Crawford & Company (CRD.A) vs LendingTree, Inc. (TREE)

Crawford & Company and LendingTree, Inc. are both Insurance Brokers companies. Crawford & Company is the larger, with a market value of $572.6M against $392.3M — 1.5× the size. LendingTree, Inc. trades at the lower P/E: 2.0× against 26.0×. LendingTree, Inc. grew revenue faster over the last twelve months: 25.3% against −4.12%. LendingTree, Inc. has the higher net margin (14.3% vs 1.81%) and the higher return on invested capital (10.8% vs 9.65%). Across the 20 metrics below, LendingTree, Inc. leads on 17 and Crawford & Company on 3.

Valuation

Metric CRD.A TREE Insurance Brokers median
P/E 26.00 2.04 25.10
P/S 0.47 0.30 2.98
P/B 3.29 1.17 3.18
Price to free cash flow 8.85 4.93 22.89
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.85% 49.05% 2.74%
Free cash flow yield 11.30% 20.28% 3.19%

Profitability

Metric CRD.A TREE Insurance Brokers median
Gross margin 27.76% 96.41% 49.44%
Operating margin 4.66% 8.19% 15.48%
Net margin 1.81% 14.32% 8.78%
Free cash flow margin 5.26% 6.02% 5.26%
Return on equity 13.07% 82.78% 3.24%
Return on assets 3.02% 20.79% 2.51%
Return on invested capital 9.65% 10.82% 5.83%

Growth

Metric CRD.A TREE Insurance Brokers median
Revenue growth (TTM) (4.12%) 25.29% 9.77%
EPS growth (last fiscal year) (26.42%) 443.31% (8.67%)
Revenue growth, 5-year CAGR 5.22% 4.19% 9.30%
Net income growth, 5-year CAGR (7.05%) 0.00% 0.00%

Health

Metric CRD.A TREE Insurance Brokers median
Debt to equity 1.07 1.22 0.49
Current ratio 1.19 1.85 1.60
Net debt to EBITDA 1.26 3.51 1.20

Dividend

Metric CRD.A TREE Insurance Brokers median
Dividend yield — — 1.17%
Payout ratio — — 0.33

Size

Metric CRD.A TREE Insurance Brokers median
Market cap 572.58m 392.27m 2.82b

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