Valuation
26% of the score
73median 50
Crawford & Company is valued at 16.9x its operating profit, including debt: an ordinary multiple.
60x
50x
35x
25x
18x
12x
8x
16.9x
Full points at 8x or less, none from 60xfull points
CRD-ACrawford & Company
$12.78+27% 1Y
$12.78
$9.2252 weeks$13.72
RyuScore
Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
RyuScore 60 out of 100, Above average
Today's price. Only valuation depends on it.
Above average. Crawford & Company scores higher than 59% of the 2,291 companies Ryufin scores.
Carried by valuation and capital allocation, held back by return on capital and return on new capital.
Financial Services median 63 · all companies 54
Return on capital
18% of the score
33median 23
Over 7 years the business earned 6.3% a year after tax on the capital it uses.
2%
8%
15%
25%
6.3%
None at 2% or less, full points from 25%full points
7 years agolatest 6.4%
Return on new capital
16% of the score
43median 33
For every dollar of operating profit earned over 6 years, yearly profit grew by 2 cents. It did so while using less capital than before.
-5%
12%
2.4%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score
65median 63
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countUp 1.7% a year over 3 years: new shares
425%
-3%
1.7%
0 pointsfull points
Assets against salesAssets grew 0.3% a year, sales 5.2%
10012%
-2%
-4.9%
0 pointsfull points
Cycle position
12% of the score
75median 63
Today's operating margin of 3.4% is 0.91x its normal 3.7%: close to its usual level. Normal is half the 10 year median, half the last four years, so a margin that has held is not taken for a peak.
2x
1.5x
1x
0.7x
0.9x
A trough earns points, a peak costs themfull points
10 years agonow 3.4%
Balance sheet
8% of the score
45median 50
What the debt weighs against the profit that has to carry it.
Net debt to EBITDA1.5x a year of EBITDA
754.5x
0.5x
1.5x
0 pointsfull points
Interest coverOperating profit covers interest 3x
141.5x
12x
3x
0 pointsfull points
Earnings quality
6% of the score
100median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 3.35x profit over 3 years
1000.7x
1x
1.3x
3.3x
0 pointsfull points
AccrualsCash ran ahead of profit by 10.5% of assets
1008%
0%
-8%
-10%
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. Where a criterion cannot be measured from the filings it is taken out and the remaining weights scale up; a company needs 60% of the weight covered, and always a price, to get a score.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there.