Crawford & Company (CRD.A) vs Huize Holding Limited Sponsored ADR (HUIZ)

Crawford & Company and Huize Holding Limited Sponsored ADR are both Insurance Brokers companies. Crawford & Company is the larger, with a market value of $584.6M against $11.9M — 49.2× the size. Crawford & Company trades at the lower P/E: 26.1× against 44.0×. Huize Holding Limited Sponsored ADR grew revenue faster over the last twelve months: 17.7% against −4.12%. Crawford & Company has the higher net margin (1.81% vs 1.36%) and the higher return on invested capital (9.65% vs 0.00%). Across the 20 metrics below, Crawford & Company leads on 10 and Huize Holding Limited Sponsored ADR on 10.

Valuation

Metric CRD.A HUIZ Insurance Brokers median
P/E 26.06 44.00 25.35
P/S 0.47 0.07 2.10
P/B 3.30 0.20 2.81
Price to free cash flow 8.87 n/m 18.44
EV/EBITDA 7.34 n/m 12.36
EV/Sales 0.57 (0.09) 3.00
Earnings yield 3.84% 2.27% 2.64%
Free cash flow yield 11.27% (270.20%) 2.30%

Profitability

Metric CRD.A HUIZ Insurance Brokers median
Gross margin 27.76% 28.74% 42.95%
Operating margin 4.66% 0.10% 15.37%
Net margin 1.81% 1.36% 8.77%
Free cash flow margin 5.26% 0.00% 3.89%
Return on equity 13.07% 0.00% 0.00%
Return on assets 3.02% 0.00% 2.23%
Return on invested capital 9.65% 0.00% 5.27%

Growth

Metric CRD.A HUIZ Insurance Brokers median
Revenue growth (TTM) (4.12%) 17.74% 7.09%
EPS growth (last fiscal year) (26.42%) 700.00% —
Revenue growth, 5-year CAGR 5.22% 3.88% 9.30%
Net income growth, 5-year CAGR (7.05%) 0.00% 0.00%

Health

Metric CRD.A HUIZ Insurance Brokers median
Debt to equity 1.07 0.13 0.19
Current ratio 1.19 1.44 1.55
Net debt to EBITDA 1.26 (8.26) 0.89

Dividend

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

Size

Metric CRD.A HUIZ Insurance Brokers median
Market cap 584.57m 11.87m 1.44b

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