Crawford & Company (CRD.A) vs Goosehead Insurance (GSHD)

Crawford & Company and Goosehead Insurance are both Insurance Brokers companies. Goosehead Insurance is the larger, with a market value of $1.6B against $584.6M — 2.7× the size. Crawford & Company trades at the lower P/E: 26.1× against 31.6×. Goosehead Insurance grew revenue faster over the last twelve months: 17.7% against −4.12%. Goosehead Insurance has the higher net margin (8.78% vs 1.81%) and the higher return on invested capital (59.6% vs 9.65%). Across the 21 metrics below, Goosehead Insurance leads on 12 and Crawford & Company on 9.

Valuation

Metric CRD.A GSHD Insurance Brokers median
P/E 26.06 31.63 25.35
P/S 0.47 2.67 2.10
P/B 3.30 n/m 2.81
Price to free cash flow 8.87 17.53 18.44
EV/EBITDA 7.34 12.66 12.36
EV/Sales 0.57 3.38 3.00
Earnings yield 3.84% 3.16% 2.64%
Free cash flow yield 11.27% 5.70% 2.30%

Profitability

Metric CRD.A GSHD Insurance Brokers median
Gross margin 27.76% 100.00% 42.95%
Operating margin 4.66% 23.31% 15.37%
Net margin 1.81% 8.78% 8.77%
Free cash flow margin 5.26% 15.21% 3.89%
Return on equity 13.07% (22.12%) 0.00%
Return on assets 3.02% 8.37% 2.23%
Return on invested capital 9.65% 59.58% 5.27%

Growth

Metric CRD.A GSHD Insurance Brokers median
Revenue growth (TTM) (4.12%) 17.74% 7.09%
EPS growth (last fiscal year) (26.42%) (9.57%) —
Revenue growth, 5-year CAGR 5.22% 25.57% 9.30%
Net income growth, 5-year CAGR (7.05%) 24.55% 0.00%

Health

Metric CRD.A GSHD Insurance Brokers median
Debt to equity 1.07 (1.67) 0.19
Current ratio 1.19 1.54 1.55
Net debt to EBITDA 1.26 2.90 0.89

Dividend

Metric CRD.A GSHD Insurance Brokers median
Dividend yield 2.10% — 1.36%
Payout ratio 0.52 0.00 0.00

Size

Metric CRD.A GSHD Insurance Brokers median
Market cap 584.57m 1.58b 1.44b

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