Market Price

10.50 

0.80 8.3%

as of Mar 05 '21

52 Week Range:

5.43 10.50


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Crawford & Company provides claims management and outsourcing solutions for carriers, brokers, and corporates in the United States, the United Kingdom, Europe, Canada, Australia, and internationally. The company's Crawford Claims Solutions segment offers claims management services to insurance carriers and self-insured entities related to property, casualty, and catastrophe losses caused by physical damage to commercial and residential real properties, as well as personal property and marine losses. It also offers services in the areas of field investigation, catastrophe, evaluation, and resolution of property and casualty insurance claims; and various on-demand inspection, verification, and other task specific field services for businesses and consumers through a mobile platform. Its Crawford TPA Solutions segment provides claims and risk management services for corporations in the self-insured or commercially-insured marketplace; desktop claim adjusting and claims evaluation services; initial loss reporting services for claimants; and loss mitigation and risk management information services, as well as administers trust funds established to pay claims. This segment offers its services for workers' compensation, auto and liability, disability absence and medical management, and accident and health markets. The company's Crawford Specialty Solutions segment offers claims management services for insurance companies and self-insured entities related to large and complex losses commercial property, aviation, forensic accounting, marine and transportation, retail, building and construction, cyber, and energy industries. It also provides customer-centric solutions for various loss types comprising high-frequency and low-complexity claims, and large complex repairs; and outsourced contractor management services to personal and commercial insurance carriers, and consumer markets. Crawford & Company was founded in 1941 and is headquartered in Atlanta, Georgia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 1.70
2.59
2.52
3.07
4.03
2.99
2.58
3.36
3.36
3.08
growth rate 52.4% -2.7% 21.8% 31.3% -25.8% -13.7% 30.2% 0.0% -8.3%
Earnings BIT 38.49
58.43
83.44
81.10
64.27
59.57
81.06
81.88
75.14
64.13
growth rate 51.8% 42.8% -2.8% -20.8% -7.3% 36.1% 1.0% -8.2% -14.7%
Avg.PE 4.57
4.86
6.34
8.38
13.66
33.94
12.65
17.48
46.36
46.36
43.32
growth rate 6.4% 30.5% 32.2% 63.0% 148.5% -62.7% 38.2% 165.2% 0.0% -6.6%
ROA 3.62
5.56
5.90
6.24
3.88
-5.78
4.73
3.63
3.49
1.71
growth rate 53.6% 6.1% 5.8% -37.8% -100.0% 100.0% -23.3% -3.9% -51.0%
ROE 38.75
40.72
36.26
30.34
16.43
-31.74
26.88
16.46
14.69
7.55
growth rate 5.1% -11.0% -16.3% -45.9% -100.0% 100.0% -38.8% -10.8% -48.6%
ROIC 14.36
17.52
16.62
17.20
10.36
-11.71
11.80
8.93
8.67
4.99
growth rate 22.0% -5.1% 3.5% -39.8% -100.0% 100.0% -24.3% -2.9% -42.5%
Cur. Ratio 1.28
1.29
1.15
1.16
1.42
1.43
1.58
1.44
1.42
1.33
growth rate 0.8% -10.9% 0.9% 22.4% 0.7% 10.5% -8.9% -1.4% -6.3%
Quick Ratio 1.21
1.21
1.07
1.09
1.30
1.33
1.48
1.34
1.32
1.23
growth rate 0.0% -11.6% 1.9% 19.3% 2.3% 11.3% -9.5% -1.5% -6.8%
Leverage 9.17
6.08
6.20
3.95
4.56
6.89
4.78
4.32
4.10
4.77
growth rate -33.7% 2.0% -36.3% 15.4% 51.1% -30.6% -9.6% -5.1% 16.3%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 142.50
269.04
289.59
271.29
286.04
267.51
259.16
290.90
243.49
239.93
growth rate 88.8% 7.6% -6.3% 5.4% -6.5% -3.1% 12.3% -16.3% -1.5%
Acct.Payable 201.08
230.74
215.51
48.60
44.62
51.99
49.30
37.83
34.38
41.54
growth rate 14.8% -6.6% -77.5% -8.2% 16.5% -5.2% -23.3% -9.1% 20.9%
Cur.Assets 379.40
369.55
386.77
369.68
367.58
370.18
364.73
370.37
320.85
315.21
302.00
growth rate -2.6% 4.7% -4.4% -0.6% 0.7% -1.5% 1.6% -13.4% -1.8% -4.2%
Total Assets 820.70
818.48
847.42
790.06
789.32
783.41
735.86
787.94
701.44
760.01
752.98
growth rate -0.3% 3.5% -6.8% -0.1% -0.8% -6.1% 7.1% -11.0% 8.4% -0.9%
Cash 93.50
77.61
71.16
75.95
52.46
76.07
81.57
54.01
53.12
51.80
44.66
growth rate -17.0% -8.3% 6.7% -30.9% 45.0% 7.2% -33.8% -1.7% -2.5% -13.8%
Cur.Liabilities 296.80
286.75
318.17
317.39
259.56
258.35
230.29
256.59
225.31
236.27
242.79
growth rate -3.4% 11.0% -0.3% -18.2% -0.5% -10.9% 11.4% -12.2% 4.9% 2.8%
Liabilities 731.20
680.19
705.62
582.53
609.97
659.06
576.60
594.20
520.50
595.14
growth rate -7.0% 3.7% -17.4% 4.7% 8.1% -12.5% 3.1% -12.4% 14.3%
LT Debt 220.40
211.98
152.29
101.77
153.00
223.71
186.17
199.64
167.12
148.35
growth rate -3.8% -28.2% -33.2% 50.3% 46.2% -16.8% 7.2% -16.3% -11.2%
Equity 89.50
133.47
136.20
199.81
172.94
113.69
153.88
182.32
171.29
159.32
186.94
growth rate 49.1% 2.0% 46.7% -13.5% -34.3% 35.4% 18.5% -6.1% -7.0% 17.3%
Common Shares 53.00
54.00
55.00
56.00
56.00
55.00
56.00
57.00
56.00
54.00
growth rate 1.9% 1.9% 1.8% 0.0% -1.8% 1.8% 1.8% -1.8% -3.6%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 13.40
14.22
15.38
14.04
12.49
12.14
10.35
19.04
14.05
8.69
growth rate 6.1% 8.1% -8.7% -11.1% -2.7% -14.7% 83.9% -26.2% -38.2%
Cash Dividends 0.20
5.26
10.31
9.21
11.72
13.51
13.57
13.70
13.53
13.17
growth rate 2,531.5% 95.9% -10.7% 27.2% 15.3% 0.4% 1.0% -1.3% -2.6%
Cash From OA 26.20
36.68
92.85
77.84
6.61
61.66
98.86
40.76
52.42
75.22
93.18
growth rate 40.0% 153.2% -16.2% -91.5% 833.3% 60.4% -58.8% 28.6% 43.5% 23.9%
FCF per Share -0.03
0.06
1.09
0.77
0.19
0.68
1.17
0.40
0.05
1.12
growth rate 100.0% 1,716.7% -29.4% -75.3% 257.9% 72.1% -65.8% -87.5% 2,140.0%
Sale Purchase of Stock -1.05
-3.63
-3.07
1.27
1.32
1.74
1.15
growth rate 0.0% 0.0% 100.0% 3.9% 32.1% -33.8%
FCF -2.00
7.00
60.00
47.00
-23.00
29.00
70.00
-4.00
22.00
54.00
growth rate 100.0% 757.1% -21.7% -100.0% 100.0% 141.4% -100.0% 100.0% 145.5%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 1,110.80
1,211.36
1,266.14
1,253.43
1,142.85
1,170.39
1,109.29
1,105.83
1,070.97
1,005.80
growth rate 9.1% 4.5% -1.0% -8.8% 2.4% -5.2% -0.3% -3.2% -6.1%
Op.Income 38.50
45.40
48.89
50.98
64.27
59.57
81.06
81.88
75.14
64.13
growth rate 17.9% 7.7% 4.3% 26.1% -7.3% 36.1% 1.0% -8.2% -14.7%
IBT 38.50
58.43
83.44
81.10
59.89
-31.77
63.24
42.26
44.13
23.64
39.09
growth rate 51.8% 42.8% -2.8% -26.2% -100.0% 100.0% -33.2% 4.4% -46.4% 65.4%
Net Income 28.30
45.40
48.89
50.98
30.62
-45.49
35.97
27.67
25.98
12.49
28.30
growth rate 60.4% 7.7% 4.3% -39.9% -100.0% 100.0% -23.1% -6.1% -51.9% 126.6%
EPS 0.53
0.85
0.91
0.93
0.57
-0.79
0.67
0.52
0.50
0.26
growth rate 60.4% 7.1% 2.2% -38.7% -100.0% 100.0% -22.4% -3.9% -48.0%
Gross Profit 271.60
293.43
330.08
317.00
302.15
301.17
327.48
321.54
314.97
294.85
growth rate 8.0% 12.5% -4.0% -4.7% -0.3% 8.7% -1.8% -2.0% -6.4%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Earnings BIT 20.38
13.20
4.43
15.54
24.23
growth rate -35.2% -66.4% 250.9% 55.9%
Balance Sheet Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Acct.Receivable 251.09
239.93
243.42
236.87
237.99
growth rate -4.4% 1.5% -2.7% 0.5%
Acct.Payable 31.18
34.38
33.34
31.45
33.59
growth rate 10.3% -3.0% -5.7% 6.8%
Cur.Assets 321.44
315.21
350.00
324.64
313.37
growth rate -1.9% 11.0% -7.3% -3.5%
Total Assets 775.49
760.01
781.67
747.34
739.62
growth rate -2.0% 2.9% -4.4% -1.0%
Cash 46.10
51.80
83.11
59.96
48.74
growth rate 12.4% 60.4% -27.9% -18.7%
Cur.Liabilities 244.79
236.27
238.38
234.65
221.48
growth rate -3.5% 0.9% -1.6% -5.6%
Liabilities 603.61
595.14
637.44
597.54
557.34
growth rate -1.4% 7.1% -6.3% -6.7%
LT Debt 155.76
148.35
187.27
155.65
124.68
growth rate -4.8% 26.2% -16.9% -19.9%
Equity 164.36
159.32
141.03
145.50
183.00
growth rate -3.1% -11.5% 3.2% 25.8%
Common Shares 53.15
53.28
53.03
53.03
53.16
growth rate 0.3% -0.5% 0.0% 0.2%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures 1.94
3.02
2.71
2.77
5.37
growth rate 56.3% -10.5% 2.2% 94.2%
Cash Dividends 3.30
3.28
3.27
1.59
2.13
growth rate -0.7% -0.3% -51.3% 33.7%
Cash From OA 33.59
32.89
-7.98
20.01
45.28
growth rate -2.1% -100.0% 100.0% 126.3%
Sale Purchase of Stock
growth rate
FCF 31.65
29.87
-10.69
17.24
39.91
growth rate -5.6% -100.0% 100.0% 131.5%
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 254.68
247.19
237.53
234.42
253.12
growth rate -2.9% -3.9% -1.3% 8.0%
Op.Income 20.38
13.20
4.43
15.54
24.23
growth rate -35.2% -66.4% 250.9% 55.9%
IBT 16.02
-6.57
-21.65
12.43
36.44
growth rate -100.0% 0.0% 100.0% 193.1%
Net Income 11.05
-7.31
-11.40
5.90
24.40
growth rate -100.0% 0.0% 100.0% 313.7%
EPS
growth rate
Gross Profit 73.83
69.90
59.93
70.82
76.06
growth rate -5.3% -14.3% 18.2% 7.4%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (20.84)

YOY Growth Grade:

E (22.73)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 48.39 48.39 10.71
EPS / Growth 0.22 10.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.4% 7.7% 7.7%
Future PE 10.71 13.06 13.06
Future EPS 0.37 0.46 0.46
Value Price
MOS %
0.97
-90.7%
1.47
-86.0%
1.47
-86.0%
MOS Price 0.49 0.74 0.74
IRT 23.70 20.15 20.15

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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