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CRD-A vs JPM

CRD-A
Crawford & Company
BEARISH
Price
$10.84
Market Cap
$530.1M
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CRD-A
27.79
JPM
15.68
Forward P/E
CRD-A
10.13
JPM
13.42
P/B Ratio
CRD-A
3.06
JPM
2.47
P/S Ratio
CRD-A
0.42
JPM
5.03
EV/EBITDA
CRD-A
9.49
JPM
--

Profitability

Gross Margin
CRD-A
29.0%
JPM
0.0%
Operating Margin
CRD-A
2.6%
JPM
41.06%
Profit Margin
CRD-A
1.55%
JPM
33.91%
ROE
CRD-A
12.04%
JPM
16.13%
ROA
CRD-A
4.84%
JPM
1.35%

Growth

Revenue Growth
CRD-A
-11.2%
JPM
2.5%
Earnings Growth
CRD-A
--
JPM
-3.6%

Financial Health

Debt/Equity
CRD-A
1.58
JPM
--
Current Ratio
CRD-A
1.14
JPM
--
Quick Ratio
CRD-A
1.0
JPM
--

Dividends

Dividend Yield
CRD-A
2.77%
JPM
1.91%
Payout Ratio
CRD-A
74.36%
JPM
28.97%

AI Verdict

CRD-A BEARISH

CRD-A exhibits significant valuation misalignment, trading at $10.84 despite a Graham Number of $5.58 and an Intrinsic Value of $2.73. While the Piotroski F-Score of 4/9 indicates stable health, this is offset by razor-thin profit margins (1.55%) and negative revenue growth (-11.20% YoY). The technical trend is completely bearish (0/100), and the high dividend payout ratio (74.36%) is unsustainable given the current earnings contraction. Overall, the stock appears heavily overvalued relative to its fundamental deterministic baselines.

Strengths
Low Price-to-Sales ratio (0.42) suggesting efficient revenue generation relative to market cap
Positive Return on Equity (ROE) of 12.03%
Forward P/E (10.13) is significantly lower than trailing P/E, suggesting expected earnings recovery
Risks
Severe overvaluation relative to Graham Number ($5.58) and Intrinsic Value ($2.73)
Negative revenue growth trends both YoY (-11.20%) and Q/Q (-6.61%)
Extremely low net profit margin (1.55%) leaving little room for operational error
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

CRD-A vs JPM: Head-to-Head Comparison

This page compares Crawford & Company (CRD-A) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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