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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.24
CRD.B's Cash to Debt is ranked lower than
54% of the 397 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.99 vs. CRD.B: 0.24 )
CRD.B' s 10-Year Cash to Debt Range
Min: 0.15   Max: 3.1
Current: 0.24

0.15
3.1
Equity to Asset 0.28
CRD.B's Equity to Asset is ranked higher than
62% of the 439 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.26 vs. CRD.B: 0.28 )
CRD.B' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.6
Current: 0.28

0.08
0.6
Interest Coverage 11.78
CRD.B's Interest Coverage is ranked higher than
63% of the 343 Companies
in the Global Insurance Brokers industry.

( Industry Median: 15.22 vs. CRD.B: 11.78 )
CRD.B' s 10-Year Interest Coverage Range
Min: 1.96   Max: 13.93
Current: 11.78

1.96
13.93
F-Score: 5
Z-Score: 2.88
M-Score: -2.59
WACC vs ROIC
8.40%
12.89%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 5.75
CRD.B's Operating margin (%) is ranked higher than
56% of the 447 Companies
in the Global Insurance Brokers industry.

( Industry Median: 21.18 vs. CRD.B: 5.75 )
CRD.B' s 10-Year Operating margin (%) Range
Min: -10.76   Max: 12.31
Current: 5.75

-10.76
12.31
Net-margin (%) 3.13
CRD.B's Net-margin (%) is ranked higher than
51% of the 447 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.50 vs. CRD.B: 3.13 )
CRD.B' s 10-Year Net-margin (%) Range
Min: -11.04   Max: 6.79
Current: 3.13

-11.04
6.79
ROE (%) 19.05
CRD.B's ROE (%) is ranked higher than
87% of the 448 Companies
in the Global Insurance Brokers industry.

( Industry Median: 7.80 vs. CRD.B: 19.05 )
CRD.B' s 10-Year ROE (%) Range
Min: -99.63   Max: 40.72
Current: 19.05

-99.63
40.72
ROA (%) 4.74
CRD.B's ROA (%) is ranked higher than
81% of the 449 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.86 vs. CRD.B: 4.74 )
CRD.B' s 10-Year ROA (%) Range
Min: -14.12   Max: 11.65
Current: 4.74

-14.12
11.65
ROC (Joel Greenblatt) (%) 63.71
CRD.B's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 443 Companies
in the Global Insurance Brokers industry.

( Industry Median: 124.67 vs. CRD.B: 63.71 )
CRD.B' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -241.87   Max: 186.77
Current: 63.71

-241.87
186.77
Revenue Growth (3Y)(%) 2.60
CRD.B's Revenue Growth (3Y)(%) is ranked higher than
68% of the 363 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.40 vs. CRD.B: 2.60 )
CRD.B' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.1   Max: 7.8
Current: 2.6

0.1
7.8
EBITDA Growth (3Y)(%) 11.70
CRD.B's EBITDA Growth (3Y)(%) is ranked higher than
70% of the 292 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.90 vs. CRD.B: 11.70 )
CRD.B' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -16.1   Max: 25.3
Current: 11.7

-16.1
25.3
EPS Growth (3Y)(%) 20.20
CRD.B's EPS Growth (3Y)(%) is ranked higher than
64% of the 295 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.20 vs. CRD.B: 20.20 )
CRD.B' s 10-Year EPS Growth (3Y)(%) Range
Min: -32.5   Max: 33.6
Current: 20.2

-32.5
33.6
» CRD.B's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

CRD.B Guru Trades in Q1 2014

Jim Simons 219,533 sh (+13.34%)
Chuck Royce 22,241 sh (-20.11%)
» More
Q2 2014

CRD.B Guru Trades in Q2 2014

Chuck Royce 35,841 sh (+61.15%)
Jim Simons 265,029 sh (+20.72%)
» More
Q3 2014

CRD.B Guru Trades in Q3 2014

Chuck Royce 51,341 sh (+43.25%)
Jim Simons 248,800 sh (-6.12%)
» More
Q4 2014

CRD.B Guru Trades in Q4 2014

Chuck Royce Sold Out
Jim Simons 238,600 sh (-4.1%)
» More
» Details

Insider Trades

Latest Guru Trades with CRD.B

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2012-06-30 Sold Out 0.02%$3.48 - $5 $ 8.76114%0
Joel Greenblatt 2012-03-31 Add 89.72%0.01%$4.38 - $6.44 $ 8.7672%51941
Joel Greenblatt 2011-12-31 New Buy0.02%$4.82 - $7.11 $ 8.7643%27377
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.10
CRD.B's P/E(ttm) is ranked higher than
86% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 26.80 vs. CRD.B: 11.10 )
CRD.B' s 10-Year P/E(ttm) Range
Min: 3.42   Max: 41.46
Current: 11.1

3.42
41.46
Forward P/E 8.51
CRD.B's Forward P/E is ranked higher than
94% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 37.17 vs. CRD.B: 8.51 )
N/A
PE(NRI) 11.10
CRD.B's PE(NRI) is ranked higher than
86% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 26.80 vs. CRD.B: 11.10 )
CRD.B' s 10-Year PE(NRI) Range
Min: 3.4   Max: 42.5
Current: 11.1

3.4
42.5
P/B 1.90
CRD.B's P/B is ranked higher than
61% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.00 vs. CRD.B: 1.90 )
CRD.B' s 10-Year P/B Range
Min: 0.69   Max: 3.29
Current: 1.9

0.69
3.29
P/S 0.40
CRD.B's P/S is ranked higher than
96% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.76 vs. CRD.B: 0.40 )
CRD.B' s 10-Year P/S Range
Min: 0.1   Max: 0.51
Current: 0.4

0.1
0.51
PFCF 40.30
CRD.B's PFCF is ranked lower than
62% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 147.50 vs. CRD.B: 40.30 )
CRD.B' s 10-Year PFCF Range
Min: 3.67   Max: 874
Current: 40.3

3.67
874
POCF 9.81
CRD.B's POCF is ranked higher than
69% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 24.44 vs. CRD.B: 9.81 )
CRD.B' s 10-Year POCF Range
Min: 2.49   Max: 34
Current: 9.81

2.49
34
EV-to-EBIT 8.08
CRD.B's EV-to-EBIT is ranked higher than
91% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 23.34 vs. CRD.B: 8.08 )
CRD.B' s 10-Year EV-to-EBIT Range
Min: -10.5   Max: 19.1
Current: 8.08

-10.5
19.1
Shiller P/E 29.90
CRD.B's Shiller P/E is ranked higher than
79% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 45.10 vs. CRD.B: 29.90 )
CRD.B' s 10-Year Shiller P/E Range
Min: 8.49   Max: 518
Current: 29.9

8.49
518
Current Ratio 1.30
CRD.B's Current Ratio is ranked higher than
69% of the 291 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.29 vs. CRD.B: 1.30 )
CRD.B' s 10-Year Current Ratio Range
Min: 1.15   Max: 2.46
Current: 1.3

1.15
2.46
Quick Ratio 1.30
CRD.B's Quick Ratio is ranked higher than
69% of the 291 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.29 vs. CRD.B: 1.30 )
CRD.B' s 10-Year Quick Ratio Range
Min: 1.15   Max: 2.46
Current: 1.3

1.15
2.46
Days Sales Outstanding 56.17
CRD.B's Days Sales Outstanding is ranked higher than
74% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 115.72 vs. CRD.B: 56.17 )
CRD.B' s 10-Year Days Sales Outstanding Range
Min: 46.69   Max: 121.98
Current: 56.17

46.69
121.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.10
CRD.B's Dividend Yield is ranked higher than
61% of the 355 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.69 vs. CRD.B: 2.10 )
CRD.B' s 10-Year Dividend Yield Range
Min: 0.39   Max: 5.33
Current: 2.1

0.39
5.33
Dividend Payout 0.33
CRD.B's Dividend Payout is ranked higher than
82% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.88 vs. CRD.B: 0.33 )
CRD.B' s 10-Year Dividend Payout Range
Min: 0.08   Max: 1.5
Current: 0.33

0.08
1.5
Yield on cost (5-Year) 2.10
CRD.B's Yield on cost (5-Year) is ranked higher than
56% of the 358 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.83 vs. CRD.B: 2.10 )
CRD.B' s 10-Year Yield on cost (5-Year) Range
Min: 0.39   Max: 5.33
Current: 2.1

0.39
5.33
Share Buyback Rate -1.40
CRD.B's Share Buyback Rate is ranked higher than
71% of the 318 Companies
in the Global Insurance Brokers industry.

( Industry Median: -0.90 vs. CRD.B: -1.40 )
CRD.B' s 10-Year Share Buyback Rate Range
Min: 1.6   Max: -2
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 1.18
CRD.B's Price/DCF (Projected) is ranked higher than
82% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.13 vs. CRD.B: 1.18 )
CRD.B' s 10-Year Price/DCF (Projected) Range
Min: 0.39   Max: 1.5
Current: 1.18

0.39
1.5
Price/Median PS Value 1.23
CRD.B's Price/Median PS Value is ranked higher than
71% of the 490 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.27 vs. CRD.B: 1.23 )
CRD.B' s 10-Year Price/Median PS Value Range
Min: 0.37   Max: 7.49
Current: 1.23

0.37
7.49
Earnings Yield (Greenblatt) 12.30
CRD.B's Earnings Yield (Greenblatt) is ranked higher than
90% of the 442 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.80 vs. CRD.B: 12.30 )
CRD.B' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.2   Max: 26.8
Current: 12.3

5.2
26.8
Forward Rate of Return (Yacktman) 19.22
CRD.B's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 256 Companies
in the Global Insurance Brokers industry.

( Industry Median: 6.97 vs. CRD.B: 19.22 )
CRD.B' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5.1   Max: 26.3
Current: 19.22

-5.1
26.3

Business Description

Industry: Brokers & Exchanges » Insurance Brokers
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Crawford & Company was founded in 1941. The Company is a provider of claims management solutions to the risk management and insurance industry, as well as to self-insured entities, with network serving clients in more than 70 countries. The Crawford System of Claims Solutions offers claims services, business process outsourcing and consulting services for product lines including property and casualty claims management, workers' compensation claims and medical management, and legal settlement administration. The Company has four operating segments: Americas, which serves the property and casualty insurance company markets in the U.S., Canada, Latin America, and the Caribbean; EMEA/AP, which serves the property and casualty insurance company markets in Europe, including the United Kingdom, the Middle East, Africa, and Asia-Pacific, which includes Australia and New Zealand; Broadspire, which serves the U.S. self-insured marketplace; and Legal Settlement Administration, which serves the securities, bankruptcy and other legal settlements markets, mainly in the U.S. The Company's Americas segment provides claims management services in the U.S., Canada, Latin America, and the Caribbean, mainly to insurance companies. These insurance companies customarily manage their own claims administration function, but often rely upon third-party service providers for the services which the Company provides, mainly with respect to the field investigation and evaluation of property and casualty insurance claims. Americas' revenues are reported for three regions: U.S. Property & Casualty, USP&C; Canada; and Latin America/Caribbean. U.S. Claims Field Operations, Contractor Connection, U.S. Technical Services, and U.S. Catastrophe Services make up the Company's U.S. Property & Casualty operations. The Company's EMEA/AP revenues are derived mainly from the insurance company and third-party administration markets. In the insurance company market, EMEA/AP provides field investigation and evaluation of property and casualty insurance claims. Revenues for EMEA/AP are reported for three regions: the U.K.; Continental Europe, the Middle East and Africa, CEMEA; and Asia-Pacific. Broadspire is a third-party administrator to employers and insurance companies, offering a platform of workers' compensation and liability claims management as well as medical management services. Through this segment, the Company serves clients in the self-insured or commercially insured marketplace by providing them with claims and risk management services. The Company provides legal settlement administration services related to settlements of securities cases, product liability cases, bankruptcy noticing and distribution, and other legal settlements, by identifying and qualifying class members, determining and dispensing settlement payments, and administering settlement funds. Such services are generally referred to by the Company as class action services and are performed by The Gar
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