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CRD-B vs MA

CRD-B
Crawford & Company
BEARISH
Price
$9.94
Market Cap
$487.0M
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CRD-B
25.49
MA
30.28
Forward P/E
CRD-B
8.76
MA
22.05
P/B Ratio
CRD-B
2.81
MA
57.74
P/S Ratio
CRD-B
0.38
MA
13.6
EV/EBITDA
CRD-B
8.92
MA
22.13

Profitability

Gross Margin
CRD-B
29.0%
MA
100.0%
Operating Margin
CRD-B
2.6%
MA
57.73%
Profit Margin
CRD-B
1.55%
MA
45.65%
ROE
CRD-B
12.04%
MA
209.91%
ROA
CRD-B
4.84%
MA
23.72%

Growth

Revenue Growth
CRD-B
-11.2%
MA
17.6%
Earnings Growth
CRD-B
--
MA
24.2%

Financial Health

Debt/Equity
CRD-B
1.58
MA
2.56
Current Ratio
CRD-B
1.14
MA
1.03
Quick Ratio
CRD-B
1.0
MA
0.68

Dividends

Dividend Yield
CRD-B
3.02%
MA
0.7%
Payout Ratio
CRD-B
74.36%
MA
18.4%

AI Verdict

CRD-B BEARISH

CRD-B exhibits significant valuation disconnects, trading at $9.94 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 deteriorating fundamentals, including a -11.20% YoY revenue decline and a -21.1% YoY EPS drop. The technical trend is completely bearish (0/100), and the company has missed 3 of its last 4 earnings estimates. Despite a low forward P/E, the lack of actual growth makes the current premium unjustifiable.

Strengths
Low Price-to-Sales ratio (0.38) suggesting efficient revenue generation relative to market cap
Positive Return on Equity (ROE) of 12.03%
Attractive Forward P/E of 8.76 if earnings stabilize
Risks
Significant negative revenue growth (-11.20% YoY)
Sharp decline in quarterly EPS growth (-53.1% Q/Q)
High dividend payout ratio (74.36%) which may be unsustainable given earnings declines
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CRD-B vs MA: Head-to-Head Comparison

This page compares Crawford & Company (CRD-B) and Mastercard Incorporated (MA) 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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