Crawford & Company (CRD.A) vs Tian Ruixiang Holdings Ltd. (TIRXF)

Crawford & Company and Tian Ruixiang Holdings Ltd. are both Insurance Brokers companies. Crawford & Company is the larger, with a market value of $584.6M against $5.7M — 102.2× the size. Tian Ruixiang Holdings Ltd. has negative trailing earnings, so its P/E is not meaningful; Crawford & Company trades at 26.1×. Crawford & Company has the higher net margin (1.81% vs −238.7%) and the higher return on invested capital (9.65% vs 0.00%). Across the 16 metrics below, Crawford & Company leads on 10 and Tian Ruixiang Holdings Ltd. on 6.

Valuation

Metric CRD.A TIRXF Insurance Brokers median
P/E 26.06 n/m 25.35
P/S 0.47 n/m 2.10
P/B 3.30 n/m 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 (8.20) 3.00
Earnings yield 3.84% 0.00% 2.64%
Free cash flow yield 11.27% 0.00% 2.30%

Profitability

Metric CRD.A TIRXF Insurance Brokers median
Gross margin 27.76% 0.00% 42.95%
Operating margin 4.66% 0.00% 15.37%
Net margin 1.81% (238.69%) 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 TIRXF Insurance Brokers median
Revenue growth (TTM) (4.12%) — 7.09%
EPS growth (last fiscal year) (26.42%) 37.47% —
Revenue growth, 5-year CAGR 5.22% 9.96% 9.30%
Net income growth, 5-year CAGR (7.05%) 0.00% 0.00%

Health

Metric CRD.A TIRXF Insurance Brokers median
Debt to equity 1.07 0.05 0.19
Current ratio 1.19 11.50 1.55
Net debt to EBITDA 1.26 6.25 0.89

Dividend

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

Size

Metric CRD.A TIRXF Insurance Brokers median
Market cap 584.57m 5.72m 1.44b

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