Contrasting Assurant (AIZ) & Crawford & (CRD.B)
Assurant (NYSE: AIZ) and Crawford & (NYSE:CRD.B) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, earnings, profitability, dividends and valuation.
This table compares Assurant and Crawford &’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Volatility and Risk
Assurant has a beta of 0.8, meaning that its share price is 20% less volatile than the S&P 500. Comparatively, Crawford & has a beta of 1.7, meaning that its share price is 70% more volatile than the S&P 500.
Insider and Institutional Ownership
90.8% of Assurant shares are owned by institutional investors. Comparatively, 16.8% of Crawford & shares are owned by institutional investors. 0.8% of Assurant shares are owned by company insiders. Comparatively, 51.0% of Crawford & shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Valuation and Earnings
This table compares Assurant and Crawford &’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Assurant||$6.74 billion||0.70||$864.39 million||$7.60||11.54|
Assurant has higher revenue and earnings than Crawford &. Crawford & is trading at a lower price-to-earnings ratio than Assurant, indicating that it is currently the more affordable of the two stocks.
Assurant pays an annual dividend of $2.12 per share and has a dividend yield of 2.4%. Crawford & pays an annual dividend of $0.20 per share. Assurant pays out 27.9% of its earnings in the form of a dividend. Crawford & pays out 33.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Assurant has raised its dividend for 13 consecutive years. Assurant is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
This is a breakdown of current ratings and recommmendations for Assurant and Crawford &, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Assurant currently has a consensus price target of $98.33, suggesting a potential upside of 12.07%.
Assurant beats Crawford & on 9 of the 13 factors compared between the two stocks.
Assurant Company Profile
Assurant, Inc. is a provider of risk management solutions in the housing and lifestyle markets. The Company operates in North America, Latin America, Europe and Asia. The Company’s segments include Global Housing, Global Lifestyle and Global Preneed. Through its Global Housing segment, it provides lender-placed homeowners, manufactured housing and flood insurance; renters insurance and related products (multi-family housing business), and field services, valuation services and other property risk management services (mortgage solutions business). Through its Global Lifestyle segment, it provides mobile device protection products and related services and extended service products and related services for consumer electronics and appliances (global connected living business); vehicle protection services, and credit insurance. The Global Preneed segment provides pre-funded funeral insurance and annuity products. Its Global Preneed Segment operates in the United States and Canada.
Crawford & Company Profile
Crawford & Company (Crawford) is an independent provider of claims management solutions to insurance and self-insured entities. The Company’s Crawford Solution offers claims services, business process outsourcing and consulting services for various product lines, including property and casualty claims management; workers’ compensation claims and medical management, and legal settlement administration. Crawford conducts its operations through four segments: U.S. Services, which primarily serves the property and casualty insurance company markets in the United States; International, which serves the property and casualty insurance company, and self-insurance markets outside the United States; Broadspire, which serves the self-insurance marketplace, primarily in the United States, and Garden City Group, which serves the class action, regulatory, mass tort, bankruptcy and other legal settlement markets, primarily in the United States.
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