UMC (OTCMKTS:UMCN) versus Crawford & Company (NYSE:CRD.B) Financial Survey

UMC (OTCMKTS:UMCN) and Crawford & Company (NYSE:CRD.B) are both small-cap business services companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, dividends, earnings, valuation, institutional ownership, profitability and analyst recommendations.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for UMC and Crawford & Company, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
UMC	0	0	0	0	0.00
Crawford & Company	1	0	0	0	1.00

Profitability

This table compares UMC and Crawford & Company’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
UMC	-12.39%	N/A	N/A
Crawford & Company	1.37%	24.21%	5.46%

Risk & Volatility

UMC has a beta of 29.84, suggesting that its stock price is 2,884% more volatile than the S&P 500. Comparatively, Crawford & Company has a beta of 0.61, suggesting that its stock price is 39% less volatile than the S&P 500.

Valuation & Earnings

This table compares UMC and Crawford & Company”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UMC	$28.55 million	1.38	-$340,000.00	N/A	N/A
Crawford & Company	$1.31 billion	0.41	$19.63 million	$0.36	30.63

Crawford & Company has higher revenue and earnings than UMC.

Insider & Institutional Ownership

11.0% of Crawford & Company shares are owned by institutional investors. 16.8% of UMC shares are owned by company insiders. Comparatively, 51.0% of Crawford & Company shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Crawford & Company beats UMC on 8 of the 10 factors compared between the two stocks.

About UMC

UMC, Inc. provides medical insurance claims coding and processing, electronic medical records storage, chargemaster review, pricing comparison, and accounts receivable management services to healthcare providers. Its customers primarily include hospitals, medical clinics, and physician practitioners in the United States. The company was formerly known as United Medicorp, Inc. and changed its name to UMC, Inc. in May 2007. UMC, Inc. was incorporated in 1989 and is based in Pampa, Texas.

About Crawford & Company

Crawford & Co. engages in the provision of claims management and outsourcing solutions to carriers, brokers, and corporates. It operates through the following segments: Crawford Loss Adjusting, Crawford TPA Solutions, and Crawford Platform Solutions. The Crawford Loss Adjusting segment consists of adjusting services provided to insurance companies and self-insured entities related to property and casualty losses caused by physical damage to commercial and residential real property and certain types of personal property. The Crawford TPA Solutions segment provides third party administration for workers’ compensation, auto and liability, disability absence management, medical management, and accident and health to corporations, brokers, and insurers worldwide. The Crawford Platform Solutions segment is involved in the management of contractor networks and the provision of claims management services to insurance companies and self-insured entities related to property, casualty, and catastrophic losses. The company was founded by Jim Crawford in 1941 and is headquartered in Peachtree Corners, GA.