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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 0.25
CRD.B's Cash to Debt is ranked lower than
93% of the 546 Companies
in the Global Insurance Brokers industry.

( Industry Median: 9999.00 vs. CRD.B: 0.25 )
Ranked among companies with meaningful Cash to Debt only.
CRD.B' s 10-Year Cash to Debt Range
Min: 0.15  Med: 0.30 Max: 3.1
Current: 0.25
0.15
3.1
Equity to Asset 0.19
CRD.B's Equity to Asset is ranked lower than
71% of the 410 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.42 vs. CRD.B: 0.19 )
Ranked among companies with meaningful Equity to Asset only.
CRD.B' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.33 Max: 0.6
Current: 0.19
0.08
0.6
Interest Coverage 9.43
CRD.B's Interest Coverage is ranked lower than
73% of the 436 Companies
in the Global Insurance Brokers industry.

( Industry Median: 10000.00 vs. CRD.B: 9.43 )
Ranked among companies with meaningful Interest Coverage only.
CRD.B' s 10-Year Interest Coverage Range
Min: 1.96  Med: 6.73 Max: 13.93
Current: 9.43
1.96
13.93
F-Score: 5
Z-Score: 2.62
M-Score: -2.73
WACC vs ROIC
5.25%
7.73%
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 (%) 4.52
CRD.B's Operating margin (%) is ranked lower than
66% of the 566 Companies
in the Global Insurance Brokers industry.

( Industry Median: 16.00 vs. CRD.B: 4.52 )
Ranked among companies with meaningful Operating margin (%) only.
CRD.B' s 10-Year Operating margin (%) Range
Min: -10.76  Med: 5.10 Max: 12.31
Current: 4.52
-10.76
12.31
Net-margin (%) 1.64
CRD.B's Net-margin (%) is ranked lower than
72% of the 573 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.66 vs. CRD.B: 1.64 )
Ranked among companies with meaningful Net-margin (%) only.
CRD.B' s 10-Year Net-margin (%) Range
Min: -11.04  Med: 3.40 Max: 6.79
Current: 1.64
-11.04
6.79
ROE (%) 10.90
CRD.B's ROE (%) is ranked higher than
62% of the 587 Companies
in the Global Insurance Brokers industry.

( Industry Median: 7.24 vs. CRD.B: 10.90 )
Ranked among companies with meaningful ROE (%) only.
CRD.B' s 10-Year ROE (%) Range
Min: -99.63  Med: 14.50 Max: 40.72
Current: 10.9
-99.63
40.72
ROA (%) 2.49
CRD.B's ROA (%) is ranked higher than
52% of the 597 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.32 vs. CRD.B: 2.49 )
Ranked among companies with meaningful ROA (%) only.
CRD.B' s 10-Year ROA (%) Range
Min: -14.12  Med: 5.41 Max: 11.65
Current: 2.49
-14.12
11.65
ROC (Joel Greenblatt) (%) 43.48
CRD.B's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 448 Companies
in the Global Insurance Brokers industry.

( Industry Median: 22.12 vs. CRD.B: 43.48 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CRD.B' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -211.49  Med: 34.38 Max: 170.87
Current: 43.48
-211.49
170.87
Revenue Growth (3Y)(%) -0.70
CRD.B's Revenue Growth (3Y)(%) is ranked lower than
53% of the 457 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.60 vs. CRD.B: -0.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRD.B' s 10-Year Revenue Growth (3Y)(%) Range
Min: -0.7  Med: 3.60 Max: 7.8
Current: -0.7
-0.7
7.8
EBITDA Growth (3Y)(%) -1.60
CRD.B's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 318 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.70 vs. CRD.B: -1.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRD.B' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -16.1  Med: -1.40 Max: 25.3
Current: -1.6
-16.1
25.3
EPS Growth (3Y)(%) -13.20
CRD.B's EPS Growth (3Y)(%) is ranked lower than
68% of the 312 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.60 vs. CRD.B: -13.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CRD.B' s 10-Year EPS Growth (3Y)(%) Range
Min: -32.5  Med: -1.70 Max: 33.6
Current: -13.2
-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

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 (-4.10%)
» More
Q1 2015

CRD.B Guru Trades in Q1 2015

Jim Simons 251,900 sh (+5.57%)
» More
Q2 2015

CRD.B Guru Trades in Q2 2015

Jim Simons 281,300 sh (+11.67%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 17.70
CRD.B's P/E(ttm) is ranked lower than
51% of the 447 Companies
in the Global Insurance Brokers industry.

( Industry Median: 17.70 vs. CRD.B: 17.70 )
Ranked among companies with meaningful P/E(ttm) only.
CRD.B' s 10-Year P/E(ttm) Range
Min: 3.42  Med: 11.62 Max: 26.39
Current: 17.7
3.42
26.39
Forward P/E 8.51
CRD.B's Forward P/E is ranked higher than
81% of the 123 Companies
in the Global Insurance Brokers industry.

( Industry Median: 15.04 vs. CRD.B: 8.51 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.50
CRD.B's PE(NRI) is ranked lower than
51% of the 448 Companies
in the Global Insurance Brokers industry.

( Industry Median: 17.70 vs. CRD.B: 17.50 )
Ranked among companies with meaningful PE(NRI) only.
CRD.B' s 10-Year PE(NRI) Range
Min: 3.4  Med: 11.64 Max: 26.04
Current: 17.5
3.4
26.04
P/B 2.06
CRD.B's P/B is ranked lower than
69% of the 483 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.19 vs. CRD.B: 2.06 )
Ranked among companies with meaningful P/B only.
CRD.B' s 10-Year P/B Range
Min: 0.69  Med: 1.73 Max: 3.29
Current: 2.06
0.69
3.29
P/S 0.28
CRD.B's P/S is ranked higher than
91% of the 551 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.34 vs. CRD.B: 0.28 )
Ranked among companies with meaningful P/S only.
CRD.B' s 10-Year P/S Range
Min: 0.1  Med: 0.28 Max: 0.51
Current: 0.28
0.1
0.51
PFCF 7.86
CRD.B's PFCF is ranked higher than
61% of the 193 Companies
in the Global Insurance Brokers industry.

( Industry Median: 11.15 vs. CRD.B: 7.86 )
Ranked among companies with meaningful PFCF only.
CRD.B' s 10-Year PFCF Range
Min: 3.67  Med: 10.83 Max: 874
Current: 7.86
3.67
874
POCF 4.59
CRD.B's POCF is ranked higher than
70% of the 225 Companies
in the Global Insurance Brokers industry.

( Industry Median: 9.73 vs. CRD.B: 4.59 )
Ranked among companies with meaningful POCF only.
CRD.B' s 10-Year POCF Range
Min: 2.49  Med: 6.06 Max: 75
Current: 4.59
2.49
75
EV-to-EBIT 10.19
CRD.B's EV-to-EBIT is ranked higher than
65% of the 421 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.89 vs. CRD.B: 10.19 )
Ranked among companies with meaningful EV-to-EBIT only.
CRD.B' s 10-Year EV-to-EBIT Range
Min: -10.5  Med: 8.90 Max: 19.1
Current: 10.19
-10.5
19.1
Shiller P/E 11.30
CRD.B's Shiller P/E is ranked higher than
72% of the 206 Companies
in the Global Insurance Brokers industry.

( Industry Median: 20.54 vs. CRD.B: 11.30 )
Ranked among companies with meaningful Shiller P/E only.
CRD.B' s 10-Year Shiller P/E Range
Min: 8.51  Med: 19.89 Max: 518
Current: 11.3
8.51
518
Current Ratio 1.53
CRD.B's Current Ratio is ranked lower than
57% of the 295 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.82 vs. CRD.B: 1.53 )
Ranked among companies with meaningful Current Ratio only.
CRD.B' s 10-Year Current Ratio Range
Min: 1.15  Med: 1.61 Max: 2.46
Current: 1.53
1.15
2.46
Quick Ratio 1.53
CRD.B's Quick Ratio is ranked lower than
56% of the 295 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.73 vs. CRD.B: 1.53 )
Ranked among companies with meaningful Quick Ratio only.
CRD.B' s 10-Year Quick Ratio Range
Min: 1.15  Med: 1.61 Max: 2.46
Current: 1.53
1.15
2.46
Days Sales Outstanding 52.90
CRD.B's Days Sales Outstanding is ranked higher than
52% of the 449 Companies
in the Global Insurance Brokers industry.

( Industry Median: 59.72 vs. CRD.B: 52.90 )
Ranked among companies with meaningful Days Sales Outstanding only.
CRD.B' s 10-Year Days Sales Outstanding Range
Min: 46.69  Med: 65.76 Max: 121.98
Current: 52.9
46.69
121.98

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.05
CRD.B's Dividend Yield is ranked higher than
71% of the 505 Companies
in the Global Insurance Brokers industry.

( Industry Median: 2.75 vs. CRD.B: 3.05 )
Ranked among companies with meaningful Dividend Yield only.
CRD.B' s 10-Year Dividend Yield Range
Min: 0.39  Med: 2.94 Max: 4.53
Current: 3.05
0.39
4.53
Dividend Payout 0.54
CRD.B's Dividend Payout is ranked lower than
62% of the 309 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.42 vs. CRD.B: 0.54 )
Ranked among companies with meaningful Dividend Payout only.
CRD.B' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.50 Max: 1.75
Current: 0.54
0.08
1.75
Dividend growth (3y) 33.90
CRD.B's Dividend growth (3y) is ranked higher than
88% of the 194 Companies
in the Global Insurance Brokers industry.

( Industry Median: -5.00 vs. CRD.B: 33.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
CRD.B' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -15.70 Max: 33.9
Current: 33.9
0
33.9
Yield on cost (5-Year) 3.06
CRD.B's Yield on cost (5-Year) is ranked higher than
64% of the 507 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.08 vs. CRD.B: 3.06 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CRD.B' s 10-Year Yield on cost (5-Year) Range
Min: 0.39  Med: 2.93 Max: 4.53
Current: 3.06
0.39
4.53
Share Buyback Rate -0.90
CRD.B's Share Buyback Rate is ranked higher than
57% of the 326 Companies
in the Global Insurance Brokers industry.

( Industry Median: -1.80 vs. CRD.B: -0.90 )
Ranked among companies with meaningful Share Buyback Rate only.
CRD.B' s 10-Year Share Buyback Rate Range
Min: 1.6  Med: -0.50 Max: -2
Current: -0.9

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 1.09
CRD.B's Price/Projected FCF is ranked higher than
55% of the 198 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.21 vs. CRD.B: 1.09 )
Ranked among companies with meaningful Price/Projected FCF only.
CRD.B' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 0.79 Max: 1.48
Current: 1.09
0.39
1.48
Price/Median PS Value 1.00
CRD.B's Price/Median PS Value is ranked lower than
53% of the 483 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.01 vs. CRD.B: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
CRD.B' s 10-Year Price/Median PS Value Range
Min: 0.37  Med: 1.29 Max: 7.49
Current: 1
0.37
7.49
Earnings Yield (Greenblatt) (%) 9.80
CRD.B's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 565 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.50 vs. CRD.B: 9.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRD.B' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.2  Med: 10.20 Max: 26.8
Current: 9.8
5.2
26.8
Forward Rate of Return (Yacktman) (%) 9.66
CRD.B's Forward Rate of Return (Yacktman) (%) is ranked higher than
58% of the 183 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.75 vs. CRD.B: 9.66 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CRD.B' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.1  Med: 6.50 Max: 26.3
Current: 9.66
-5.1
26.3

Analyst Estimate

Dec15
EPS($) 0.98
EPS without NRI($) 0.98

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
» More Articles for CRD.B

Headlines

Articles On GuruFocus.com
What´s Behind Iron Mountain's Earnings Growth Apr 09 2014 
Analysis of Crawford & Company Apr 19 2011 
1991 Dividend Achievers additions- Where are they now? Aug 25 2010 
Crawford Reports 2009 Second Quarter Results Aug 10 2009 
Crawford Reports Improvement in 2008 Fourth Quarter and Annual Results Feb 09 2009 

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Jeffrey T. Bowman Stepping Down as CEO Aug 24 2015
Jeffrey T. Bowman Stepping Down as CEO Aug 24 2015
Crawford & Company® has New Senior Appointment in Asia Aug 21 2015
Crawford & Company® has New Senior Appointment in Asia Aug 20 2015
Crawford & Company® Enhances Asian Operation with Senior Appointment Aug 20 2015
Crawford & Company® Enhances Asian Operation with Senior Appointment Aug 19 2015
Crawford & Co. Earnings Q2*, 2015 Aug 19 2015
EPIQ Systems, Inc. Earnings Q2*, 2015 Aug 14 2015
Crawford & Company® Receives 2015 CIO 100 Award Aug 11 2015
Edited Transcript of CRD.B earnings conference call or presentation 3-Aug-15 7:00pm GMT Aug 03 2015
Crawford & Co Earnings Call scheduled for 3:00 pm ET today Aug 03 2015
Crawford & Company Reports 2015 Second Quarter Dividends Aug 03 2015
Crawford & Company Reports 2015 Second Quarter Results Aug 03 2015
Crawford misses Street 2Q forecasts Aug 03 2015
Crawford misses Street 2Q forecasts Aug 03 2015
Crawford posts 2Q profit Aug 03 2015
Crawford posts 2Q profit Aug 03 2015

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