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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 No Debt
CRVL's Cash to Debt is ranked higher than
69% of the 377 Companies
in the Global Insurance Brokers industry.

( Industry Median: 101.40 vs. CRVL: No Debt )
CRVL' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt

Equity to Asset 0.59
CRVL's Equity to Asset is ranked higher than
77% of the 367 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.37 vs. CRVL: 0.59 )
CRVL' s 10-Year Equity to Asset Range
Min: 0.58   Max: 0.84
Current: 0.59

0.58
0.84
Interest Coverage No Debt
CRVL's Interest Coverage is ranked higher than
86% of the 317 Companies
in the Global Insurance Brokers industry.

( Industry Median: 13.05 vs. CRVL: No Debt )
CRVL' s 10-Year Interest Coverage Range
Min: 9999.99   Max: 9999.99
Current: No Debt

F-Score: 7
Z-Score: 13.06
M-Score: -2.90
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 : 8/10

vs
industry
vs
history
Operating margin (%) 10.22
CRVL's Operating margin (%) is ranked higher than
57% of the 387 Companies
in the Global Insurance Brokers industry.

( Industry Median: 17.69 vs. CRVL: 10.22 )
CRVL' s 10-Year Operating margin (%) Range
Min: 5.68   Max: 12.87
Current: 10.22

5.68
12.87
Net-margin (%) 6.23
CRVL's Net-margin (%) is ranked higher than
57% of the 391 Companies
in the Global Insurance Brokers industry.

( Industry Median: 11.99 vs. CRVL: 6.23 )
CRVL' s 10-Year Net-margin (%) Range
Min: 3.49   Max: 7.75
Current: 6.23

3.49
7.75
ROE (%) 23.99
CRVL's ROE (%) is ranked higher than
95% of the 388 Companies
in the Global Insurance Brokers industry.

( Industry Median: 5.64 vs. CRVL: 23.99 )
CRVL' s 10-Year ROE (%) Range
Min: 13.8   Max: 27.26
Current: 23.99

13.8
27.26
ROA (%) 14.66
CRVL's ROA (%) is ranked higher than
95% of the 391 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.58 vs. CRVL: 14.66 )
CRVL' s 10-Year ROA (%) Range
Min: 9.61   Max: 18.59
Current: 14.66

9.61
18.59
ROC (Joel Greenblatt) (%) 77.28
CRVL's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 376 Companies
in the Global Insurance Brokers industry.

( Industry Median: 107.26 vs. CRVL: 77.28 )
CRVL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 27.85   Max: 92.56
Current: 77.28

27.85
92.56
Revenue Growth (%) 12.70
CRVL's Revenue Growth (%) is ranked higher than
92% of the 295 Companies
in the Global Insurance Brokers industry.

( Industry Median: -1.20 vs. CRVL: 12.70 )
CRVL' s 10-Year Revenue Growth (%) Range
Min: 0.8   Max: 20.9
Current: 12.7

0.8
20.9
EBITDA Growth (%) 6.70
CRVL's EBITDA Growth (%) is ranked higher than
80% of the 255 Companies
in the Global Insurance Brokers industry.

( Industry Median: -4.10 vs. CRVL: 6.70 )
CRVL' s 10-Year EBITDA Growth (%) Range
Min: -5.5   Max: 27.2
Current: 6.7

-5.5
27.2
EPS Growth (%) 4.90
CRVL's EPS Growth (%) is ranked higher than
75% of the 252 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.80 vs. CRVL: 4.90 )
CRVL' s 10-Year EPS Growth (%) Range
Min: -12.9   Max: 37.4
Current: 4.9

-12.9
37.4
» CRVL's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

CRVL Guru Trades in Q1 2013

Joel Greenblatt 23,359 sh (New)
Jim Simons 502,950 sh (+1.22%)
Chuck Royce 232,680 sh (unchged)
» More
Q2 2013

CRVL Guru Trades in Q2 2013

Joel Greenblatt 51,687 sh (+10.64%)
Jim Simons 1,024,400 sh (+1.84%)
Chuck Royce 419,886 sh (-9.77%)
» More
Q3 2013

CRVL Guru Trades in Q3 2013

Joel Greenblatt 87,176 sh (+68.66%)
Jim Simons 1,046,200 sh (+2.13%)
Chuck Royce 359,886 sh (-14.29%)
» More
Q4 2013

CRVL Guru Trades in Q4 2013

Paul Tudor Jones 5,220 sh (New)
Steven Cohen 5,429 sh (New)
Jim Simons 1,078,900 sh (+3.13%)
Chuck Royce 247,886 sh (-31.12%)
Joel Greenblatt 57,406 sh (-34.15%)
» More
» Details

Insider Trades

Latest Guru Trades with CRVL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-12-31 Reduce -34.15%0.03%$36.87 - $48.06 $ 48.815%57406
Joel Greenblatt 2013-09-30 Add 68.66%0.04%$29.99 - $37.04 $ 48.844%87176
Joel Greenblatt 2013-03-31 New Buy0.06%$21.38 - $24.89 $ 48.8110%23359
Joel Greenblatt 2012-06-30 Sold Out 0.04%$20.11 - $23.76 $ 48.8128%0
Joel Greenblatt 2012-03-31 New Buy0.04%$20.05 - $26.41 $ 48.8124%11522
Joel Greenblatt 2011-12-31 Sold Out 0.05%$20.36 - $26.98 $ 48.8102%0
Joel Greenblatt 2011-06-30 Add 78.06%0.02%$21.49 - $26.6 $ 48.899%7092
Joel Greenblatt 2011-03-31 New Buy0.06%$23.14 - $26.35 $ 48.898%3983
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 30.80
CRVL's P/E(ttm) is ranked lower than
57% of the 322 Companies
in the Global Insurance Brokers industry.

( Industry Median: 20.50 vs. CRVL: 30.80 )
CRVL' s 10-Year P/E(ttm) Range
Min: 10.57   Max: 41.29
Current: 30.8

10.57
41.29
P/B 8.50
CRVL's P/B is ranked lower than
71% of the 355 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.36 vs. CRVL: 8.50 )
CRVL' s 10-Year P/B Range
Min: 2.29   Max: 9.17
Current: 8.5

2.29
9.17
P/S 2.20
CRVL's P/S is ranked higher than
64% of the 391 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.03 vs. CRVL: 2.20 )
CRVL' s 10-Year P/S Range
Min: 0.6   Max: 2.5
Current: 2.2

0.6
2.5
PFCF 27.10
CRVL's PFCF is ranked lower than
65% of the 207 Companies
in the Global Insurance Brokers industry.

( Industry Median: 12.01 vs. CRVL: 27.10 )
CRVL' s 10-Year PFCF Range
Min: 8.58   Max: 46.33
Current: 27.1

8.58
46.33
EV-to-EBIT 17.20
CRVL's EV-to-EBIT is ranked higher than
55% of the 293 Companies
in the Global Insurance Brokers industry.

( Industry Median: 15.95 vs. CRVL: 17.20 )
CRVL' s 10-Year EV-to-EBIT Range
Min: 6   Max: 24.6
Current: 17.2

6
24.6
PEG 2.50
CRVL's PEG is ranked higher than
51% of the 120 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.60 vs. CRVL: 2.50 )
CRVL' s 10-Year PEG Range
Min: 0.59   Max: 111.86
Current: 2.5

0.59
111.86
Shiller P/E 42.30
CRVL's Shiller P/E is ranked lower than
64% of the 196 Companies
in the Global Insurance Brokers industry.

( Industry Median: 18.20 vs. CRVL: 42.30 )
CRVL' s 10-Year Shiller P/E Range
Min: 12.15   Max: 49.55
Current: 42.3

12.15
49.55

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 976.00
CRVL's Price/Net Current Asset Value is ranked lower than
88% of the 94 Companies
in the Global Insurance Brokers industry.

( Industry Median: 4.50 vs. CRVL: 976.00 )
CRVL' s 10-Year Price/Net Current Asset Value Range
Min: 5.19   Max: 1208.75
Current: 976

5.19
1208.75
Price/Tangible Book 13.29
CRVL's Price/Tangible Book is ranked lower than
81% of the 313 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.42 vs. CRVL: 13.29 )
CRVL' s 10-Year Price/Tangible Book Range
Min: 2.3   Max: 12.72
Current: 13.29

2.3
12.72
Price/DCF (Projected) 2.05
CRVL's Price/DCF (Projected) is ranked lower than
62% of the 203 Companies
in the Global Insurance Brokers industry.

( Industry Median: 0.91 vs. CRVL: 2.05 )
CRVL' s 10-Year Price/DCF (Projected) Range
Min: 0.87   Max: 3.05
Current: 2.05

0.87
3.05
Price/Median PS Value 1.77
CRVL's Price/Median PS Value is ranked lower than
72% of the 363 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.10 vs. CRVL: 1.77 )
CRVL' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 1.99
Current: 1.77

0.55
1.99
Price/Peter Lynch Fair Value 2.57
CRVL's Price/Peter Lynch Fair Value is ranked lower than
59% of the 59 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.30 vs. CRVL: 2.57 )
CRVL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.65   Max: 3.59
Current: 2.57

0.65
3.59
Price/Graham Number 4.23
CRVL's Price/Graham Number is ranked lower than
77% of the 263 Companies
in the Global Insurance Brokers industry.

( Industry Median: 1.10 vs. CRVL: 4.23 )
CRVL' s 10-Year Price/Graham Number Range
Min: 1.13   Max: 4.39
Current: 4.23

1.13
4.39
Earnings Yield (Greenblatt) 5.80
CRVL's Earnings Yield (Greenblatt) is ranked higher than
58% of the 338 Companies
in the Global Insurance Brokers industry.

( Industry Median: 6.30 vs. CRVL: 5.80 )
CRVL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 16.8
Current: 5.8

4.1
16.8
Forward Rate of Return (Yacktman) 13.85
CRVL's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 271 Companies
in the Global Insurance Brokers industry.

( Industry Median: 3.80 vs. CRVL: 13.85 )
CRVL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.6   Max: 26
Current: 13.85

0.6
26

Business Description

Industry: Brokers & Exchanges » Insurance Brokers
Compare:BRO, AON, WSH, MMC, ERIE » details
CorVel Corporation was incorporated in Delaware in 1987. The Company is a provider of workers' compensation solutions for employers, third party administrators, insurance companies, and government agencies. The Company applies technology, intelligence, and a human touch to the challenges of risk management so that their clients can intervene early and often while being connected to the critical intelligence they need to proactively manage risk. The Company's services include claims management, bill review, preferred provider networks, utilization management, claims management, case management, pharmacy services, directed care and Medicare services. It offers its services as a bundled solution (i.e. claims management), as a standalone service, or as add-on services to existing customers. Workers' compensation is a federally mandated, state-legislated, insurance program that requires employers to fund medical expenses, lost wages and other costs resulting from work-related injuries and illnesses. Workers' compensation benefits and arrangements vary extensively on a state-by-state basis and are often highly complex. State statutes and court decisions control many aspects of the compensation process, including claims handling, impairment or disability evaluation, dispute settlement, benefit amount guidelines and cost-control strategies. The Company offers services in two general categories, network solutions and patient management, to assist its customers in managing the increasing medical costs of workers' compensation, group health and auto insurance, and monitoring the quality of care provided to claimants. The Company reduces claims costs by advocating medical management at the onset of an injury to decrease administrative costs and to shorten the length of the disability. These solutions offer personalized treatment programs that use precise treatment protocols to advocate timely, quality care for injured workers. The Company serves a diverse group of customers that include insurers, third party administrators, self-administered employers, government agencies, municipalities, state funds, and numerous other industries. Its primary competitors in the workers' compensation market include third party administrators, managed care companies, large insurance carriers and numerous independent companies. Managed healthcare programs for workers' compensation are subject to various laws and regulations.

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