Crawford & (NYSE: CRD.B) and Hartford Financial Services Group, Inc. (The) (NYSE:HIG) are both business services companies, but which is the better stock? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, valuation, analyst recommendations and dividends.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Crawford & and Hartford Financial Services Group, Inc. (The), as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Crawford & 0 0 0 0 N/A
Hartford Financial Services Group, Inc. (The) 0 4 6 0 2.60

Hartford Financial Services Group, Inc. (The) has a consensus target price of $56.60, indicating a potential upside of 2.82%.

Institutional and Insider Ownership

16.8% of Crawford & shares are held by institutional investors. Comparatively, 88.3% of Hartford Financial Services Group, Inc. (The) shares are held by institutional investors. 51.0% of Crawford & shares are held by company insiders. Comparatively, 1.5% of Hartford Financial Services Group, Inc. (The) shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Crawford & and Hartford Financial Services Group, Inc. (The)’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Crawford & N/A N/A N/A $0.60 N/A
Hartford Financial Services Group, Inc. (The) $18.55 billion 1.08 $1.28 billion $1.31 42.02

Hartford Financial Services Group, Inc. (The) has higher revenue and earnings than Crawford &. Crawford & is trading at a lower price-to-earnings ratio than Hartford Financial Services Group, Inc. (The), indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Crawford & and Hartford Financial Services Group, Inc. (The)’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Crawford & 3.17% 26.83% 5.69%
Hartford Financial Services Group, Inc. (The) 2.63% 8.21% 0.62%

Dividends

Crawford & pays an annual dividend of $0.20 per share. Hartford Financial Services Group, Inc. (The) pays an annual dividend of $0.92 per share and has a dividend yield of 1.7%. Crawford & pays out 33.3% of its earnings in the form of a dividend. Hartford Financial Services Group, Inc. (The) pays out 70.2% 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. Crawford & has increased its dividend for 4 consecutive years.

Volatility and Risk

Crawford & has a beta of 1.79, suggesting that its share price is 79% more volatile than the S&P 500. Comparatively, Hartford Financial Services Group, Inc. (The) has a beta of 0.98, suggesting that its share price is 2% less volatile than the S&P 500.

Summary

Crawford & beats Hartford Financial Services Group, Inc. (The) on 8 of the 13 factors compared between the two stocks.

About Crawford &

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.

About Hartford Financial Services Group, Inc. (The)

The Hartford Financial Services Group, Inc. is a holding company for insurance and financial services subsidiaries. The Company’s segments include Commercial Lines, which provides workers’ compensation, property, automobile, marine, livestock, liability and umbrella coverages primarily throughout the United States; Personal Lines, which provides automobile, homeowners and personal umbrella coverages to individuals across the United States; Group Benefits, which provides group life, accident and disability coverage, and other products and services; Property & Casualty Other Operations, which includes certain property and casualty operations; Mutual Funds, which provides investment management, administration, product distribution and related services to investors; Talcott Resolution, which consists of the run-off of the Company’s the United States individual and institutional annuity, and Private Placement Life Insurance (PPLI) businesses, and Corporate.

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