Crawford & Company (CRD.A) vs Zhibao Technology Inc. (ZBAO)

Crawford & Company and Zhibao Technology Inc. are both Insurance Brokers companies. Crawford & Company is the larger, with a market value of $584.6M against $40.3M — 14.5× the size. Across the 9 metrics below, Crawford & Company leads on 7 and Zhibao Technology Inc. on 2.

Valuation

Metric CRD.A ZBAO Insurance Brokers median
P/E 26.06 — 25.35
P/S 0.47 — 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 n/m 3.00
Earnings yield 3.84% — 2.64%
Free cash flow yield 11.27% 0.00% 2.30%

Profitability

Metric CRD.A ZBAO Insurance Brokers median
Gross margin 27.76% — 42.95%
Operating margin 4.66% — 15.37%
Net margin 1.81% — 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 ZBAO Insurance Brokers median
Revenue growth (TTM) (4.12%) — 7.09%
EPS growth (last fiscal year) (26.42%) (550.00%) —
Revenue growth, 5-year CAGR 5.22% — 9.30%
Net income growth, 5-year CAGR (7.05%) — 0.00%

Health

Metric CRD.A ZBAO Insurance Brokers median
Debt to equity 1.07 0.74 0.19
Current ratio 1.19 0.86 1.55
Net debt to EBITDA 1.26 (0.17) 0.89

Dividend

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

Size

Metric CRD.A ZBAO Insurance Brokers median
Market cap 584.57m 40.25m 1.44b

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