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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 0.31
CRD.B's Cash to Debt is ranked lower than
93% of the 608 Companies
in the Global Insurance Brokers industry.

( Industry Median: 9999.00 vs. CRD.B: 0.31 )
Ranked among companies with meaningful Cash to Debt only.
CRD.B' s Cash to Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.38 Max: 3.1
Current: 0.31
0.21
3.1
Equity to Asset 0.15
CRD.B's Equity to Asset is ranked lower than
84% of the 613 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.57 vs. CRD.B: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
CRD.B' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.30 Max: 0.59
Current: 0.15
0.08
0.59
Interest Coverage 2.80
CRD.B's Interest Coverage is ranked lower than
75% of the 457 Companies
in the Global Insurance Brokers industry.

( Industry Median: 18.34 vs. CRD.B: 2.80 )
Ranked among companies with meaningful Interest Coverage only.
CRD.B' s Interest Coverage Range Over the Past 10 Years
Min: 1.96  Med: 3.46 Max: 11.78
Current: 2.8
1.96
11.78
F-Score: 5
Z-Score: 2.40
M-Score: -2.97
WACC vs ROIC
7.31%
-2.75%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 2.03
CRD.B's Operating margin (%) is ranked lower than
67% of the 654 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.38 vs. CRD.B: 2.03 )
Ranked among companies with meaningful Operating margin (%) only.
CRD.B' s Operating margin (%) Range Over the Past 10 Years
Min: -10.76  Med: 3.58 Max: 8.03
Current: 2.03
-10.76
8.03
Net-margin (%) -3.66
CRD.B's Net-margin (%) is ranked lower than
81% of the 658 Companies
in the Global Insurance Brokers industry.

( Industry Median: 11.83 vs. CRD.B: -3.66 )
Ranked among companies with meaningful Net-margin (%) only.
CRD.B' s Net-margin (%) Range Over the Past 10 Years
Min: -11.04  Med: 2.54 Max: 4.07
Current: -3.66
-11.04
4.07
ROE (%) -28.93
CRD.B's ROE (%) is ranked lower than
95% of the 663 Companies
in the Global Insurance Brokers industry.

( Industry Median: 5.06 vs. CRD.B: -28.93 )
Ranked among companies with meaningful ROE (%) only.
CRD.B' s ROE (%) Range Over the Past 10 Years
Min: -99.63  Med: 15.72 Max: 40.72
Current: -28.93
-99.63
40.72
ROA (%) -5.47
CRD.B's ROA (%) is ranked lower than
86% of the 676 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.66 vs. CRD.B: -5.47 )
Ranked among companies with meaningful ROA (%) only.
CRD.B' s ROA (%) Range Over the Past 10 Years
Min: -14.12  Med: 3.61 Max: 6.23
Current: -5.47
-14.12
6.23
ROC (Joel Greenblatt) (%) -20.57
CRD.B's ROC (Joel Greenblatt) (%) is ranked lower than
83% of the 510 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.10 vs. CRD.B: -20.57 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CRD.B' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: -211.49  Med: 79.42 Max: 170.87
Current: -20.57
-211.49
170.87
Revenue Growth (3Y)(%) -0.80
CRD.B's Revenue Growth (3Y)(%) is ranked lower than
61% of the 512 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.30 vs. CRD.B: -0.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRD.B' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.8  Med: 3.60 Max: 7.8
Current: -0.8
-0.8
7.8
EBITDA Growth (3Y)(%) -45.30
CRD.B's EBITDA Growth (3Y)(%) is ranked lower than
93% of the 390 Companies
in the Global Insurance Brokers industry.

( Industry Median: 10.10 vs. CRD.B: -45.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRD.B' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -45.3  Med: -1.80 Max: 25.3
Current: -45.3
-45.3
25.3
» CRD.B's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-05-07)


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

» Details

Guru Trades

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
Q3 2015

CRD.B Guru Trades in Q3 2015

Jim Simons 268,900 sh (-4.41%)
» More
Q4 2015

CRD.B Guru Trades in Q4 2015

Jim Simons 274,100 sh (+1.93%)
» 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/B 3.04
CRD.B's P/B is ranked lower than
79% of the 638 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.13 vs. CRD.B: 3.04 )
Ranked among companies with meaningful P/B only.
CRD.B' s P/B Range Over the Past 10 Years
Min: 0.69  Med: 1.76 Max: 3.31
Current: 3.04
0.69
3.31
P/S 0.28
CRD.B's P/S is ranked higher than
92% of the 622 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.48 vs. CRD.B: 0.28 )
Ranked among companies with meaningful P/S only.
CRD.B' s P/S Range Over the Past 10 Years
Min: 0.1  Med: 0.25 Max: 0.51
Current: 0.28
0.1
0.51
PFCF 12.02
CRD.B's PFCF is ranked higher than
55% of the 191 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.72 vs. CRD.B: 12.02 )
Ranked among companies with meaningful PFCF only.
CRD.B' s PFCF Range Over the Past 10 Years
Min: 3.64  Med: 9.57 Max: 301.38
Current: 12.02
3.64
301.38
POCF 5.62
CRD.B's POCF is ranked higher than
71% of the 231 Companies
in the Global Insurance Brokers industry.

( Industry Median: 12.48 vs. CRD.B: 5.62 )
Ranked among companies with meaningful POCF only.
CRD.B' s POCF Range Over the Past 10 Years
Min: 2.47  Med: 5.56 Max: 75.63
Current: 5.62
2.47
75.63
EV-to-EBIT -23.04
CRD.B's EV-to-EBIT is ranked lower than
99.99% of the 449 Companies
in the Global Insurance Brokers industry.

( Industry Median: 14.34 vs. CRD.B: -23.04 )
Ranked among companies with meaningful EV-to-EBIT only.
CRD.B' s EV-to-EBIT Range Over the Past 10 Years
Min: -23.1  Med: 7.30 Max: 16
Current: -23.04
-23.1
16
EV-to-EBITDA 25.36
CRD.B's EV-to-EBITDA is ranked lower than
72% of the 469 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.20 vs. CRD.B: 25.36 )
Ranked among companies with meaningful EV-to-EBITDA only.
CRD.B' s EV-to-EBITDA Range Over the Past 10 Years
Min: -19.2  Med: 5.30 Max: 25.4
Current: 25.36
-19.2
25.4
Shiller P/E 31.38
CRD.B's Shiller P/E is ranked lower than
74% of the 82 Companies
in the Global Insurance Brokers industry.

( Industry Median: 22.50 vs. CRD.B: 31.38 )
Ranked among companies with meaningful Shiller P/E only.
CRD.B' s Shiller P/E Range Over the Past 10 Years
Min: 5.72  Med: 16.84 Max: 31.35
Current: 31.38
5.72
31.35
Current Ratio 1.43
CRD.B's Current Ratio is ranked lower than
62% of the 323 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.96 vs. CRD.B: 1.43 )
Ranked among companies with meaningful Current Ratio only.
CRD.B' s Current Ratio Range Over the Past 10 Years
Min: 1.16  Med: 1.52 Max: 2.24
Current: 1.43
1.16
2.24
Quick Ratio 1.43
CRD.B's Quick Ratio is ranked lower than
61% of the 323 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.76 vs. CRD.B: 1.43 )
Ranked among companies with meaningful Quick Ratio only.
CRD.B' s Quick Ratio Range Over the Past 10 Years
Min: 1.16  Med: 1.52 Max: 2.24
Current: 1.43
1.16
2.24
Days Sales Outstanding 48.39
CRD.B's Days Sales Outstanding is ranked higher than
53% of the 355 Companies
in the Global Insurance Brokers industry.

( Industry Median: 53.19 vs. CRD.B: 48.39 )
Ranked among companies with meaningful Days Sales Outstanding only.
CRD.B' s Days Sales Outstanding Range Over the Past 10 Years
Min: 46.69  Med: 48.58 Max: 119.81
Current: 48.39
46.69
119.81
Days Payable 17.32
CRD.B's Days Payable is ranked lower than
55% of the 188 Companies
in the Global Insurance Brokers industry.

( Industry Median: 24.96 vs. CRD.B: 17.32 )
Ranked among companies with meaningful Days Payable only.
CRD.B' s Days Payable Range Over the Past 10 Years
Min: 16.33  Med: 18.63 Max: 23.28
Current: 17.32
16.33
23.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.97
CRD.B's Dividend Yield is ranked higher than
73% of the 452 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.22 vs. CRD.B: 2.97 )
Ranked among companies with meaningful Dividend Yield only.
CRD.B' s Dividend Yield Range Over the Past 10 Years
Min: 0.39  Med: 2.93 Max: 7
Current: 2.97
0.39
7
Dividend Growth (3y) 26.00
CRD.B's Dividend Growth (3y) is ranked higher than
74% of the 213 Companies
in the Global Insurance Brokers industry.

( Industry Median: 6.30 vs. CRD.B: 26.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CRD.B' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -15.70 Max: 33.9
Current: 26
0
33.9
Forward Dividend Yield 2.97
CRD.B's Forward Dividend Yield is ranked higher than
73% of the 405 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.20 vs. CRD.B: 2.97 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.96
CRD.B's Yield on cost (5-Year) is ranked higher than
64% of the 544 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.44 vs. CRD.B: 2.96 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CRD.B' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.39  Med: 2.93 Max: 7
Current: 2.96
0.39
7
3-Year Average Share Buyback Ratio -0.20
CRD.B's 3-Year Average Share Buyback Ratio is ranked higher than
66% of the 324 Companies
in the Global Insurance Brokers industry.

( Industry Median: -1.70 vs. CRD.B: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CRD.B' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2  Med: -0.50 Max: 1.6
Current: -0.2
-2
1.6

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 1.25
CRD.B's Price/Projected FCF is ranked lower than
58% of the 192 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.06 vs. CRD.B: 1.25 )
Ranked among companies with meaningful Price/Projected FCF only.
CRD.B' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.79 Max: 1.48
Current: 1.25
0.39
1.48
Price/Median PS Value 1.12
CRD.B's Price/Median PS Value is ranked lower than
64% of the 546 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.94 vs. CRD.B: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
CRD.B' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.35 Max: 6.57
Current: 1.12
0.46
6.57
Price/Graham Number 0.84
CRD.B's Price/Graham Number is ranked higher than
58% of the 322 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.90 vs. CRD.B: 0.84 )
Ranked among companies with meaningful Price/Graham Number only.
CRD.B' s Price/Graham Number Range Over the Past 10 Years
Min: 0.23  Med: 1.71 Max: 3.17
Current: 0.84
0.23
3.17
Earnings Yield (Greenblatt) (%) -4.30
CRD.B's Earnings Yield (Greenblatt) (%) is ranked lower than
82% of the 632 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.80 vs. CRD.B: -4.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRD.B' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.2  Med: 12.30 Max: 25.8
Current: -4.3
6.2
25.8
Forward Rate of Return (Yacktman) (%) -0.68
CRD.B's Forward Rate of Return (Yacktman) (%) is ranked lower than
68% of the 174 Companies
in the Global Insurance Brokers industry.

( Industry Median: 10.36 vs. CRD.B: -0.68 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CRD.B' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.7  Med: 6.60 Max: 25.2
Current: -0.68
-0.7
25.2

More Statistics

Revenue(Mil) $1242
EPS $ -0.84
Beta1.61
Short Percentage of Float6.10%
52-Week Range $3.99 - 8.99
Shares Outstanding(Mil)55.24

Business Description

Industry: Brokers & Exchanges » Insurance Brokers
Compare:ASX:AUB, NYSE:PN, NAS:EHTH, XTER:VVV3, HKSE:01019 » 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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