Crawford & Company
Crawford & Company Fundamental Analysis
Crawford & Company (CRD-A) shows moderate financial fundamentals with a PE ratio of 16.61, profit margin of 2.44%, and ROE of 19.12%. The company generates $1.3B in annual revenue with moderate year-over-year growth of 5.83%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 39.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CRD-A's fundamental strength across five key dimensions:
Efficiency Score
WeakCRD-A struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCRD-A trades at attractive valuation levels.
Growth Score
ModerateCRD-A shows steady but slowing expansion.
Financial Health Score
ModerateCRD-A shows balanced financial health with some risks.
Profitability Score
ModerateCRD-A maintains healthy but balanced margins.
Key Financial Metrics
Is CRD-A Expensive or Cheap?
P/E Ratio
CRD-A trades at 16.61 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CRD-A's PEG of 1.69 indicates fair valuation.
Price to Book
The market values Crawford & Company at 2.89 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.81 times EBITDA. This is generally considered low.
How Well Does CRD-A Make Money?
Net Profit Margin
For every $100 in sales, Crawford & Company keeps $2.44 as profit after all expenses.
Operating Margin
Core operations generate 5.89 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.12 in profit for every $100 of shareholder equity.
ROA
Crawford & Company generates $4.08 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Crawford & Company generates limited operating cash flow of $91.60M, signaling weaker underlying cash strength.
Free Cash Flow
Crawford & Company produces free cash flow of $67.47M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $1.37 in free cash annually.
FCF Yield
CRD-A converts 12.61% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.61
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.69
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.89
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.40
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.63
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.36
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.15
vs 25 benchmark
How CRD-A Stacks Against Its Sector Peers
| Metric | CRD-A Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.61 | 18.86 | Better (Cheaper) |
| ROE | 19.12% | 847.00% | Weak |
| Net Margin | 2.44% | 4202.00% | Weak |
| Debt/Equity | 1.63 | 0.91 | Weak (High Leverage) |
| Current Ratio | 1.36 | 667.17 | Neutral |
| ROA | 4.08% | -21543.00% (disorted) | Weak |
CRD-A outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Crawford & Company's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
39.76%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
204.84%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-25.07%
Industry Style: Value, Dividend, Cyclical
Declining