WallStSmart

Crawford & Company (CRD-B)vsJPMorgan Chase & Co (JPM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

JPMorgan Chase & Co generates 14669% more annual revenue ($186.33B vs $1.26B). JPM leads profitability with a 34.9% profit margin vs 1.9%. CRD-B appears more attractively valued with a PEG of 0.90. JPM earns a higher WallStSmart Score of 81/100 (A-).

CRD-B

Buy

53

out of 100

Grade: C-

Growth: 5.3Profit: 5.5Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: 2.62

JPM

Exceptional Buy

81

out of 100

Grade: A-

Growth: 10.0Profit: 8.0Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.55

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRD-B2 strengths · Avg: 9.0/10
EPS GrowthGrowth
76.1%10/10

Earnings expanding 76.1% YoY

PEG RatioValuation
0.908/10

Growing faster than its price suggests

JPM6 strengths · Avg: 9.3/10
Market CapQuality
$946.93B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
34.9%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
50.4%10/10

Strong operational efficiency at 50.4%

Revenue GrowthGrowth
30.4%10/10

Revenue surging 30.4% year-over-year

P/E RatioValuation
15.2x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

CRD-B4 concerns · Avg: 3.3/10
P/E RatioValuation
25.1x4/10

Moderate valuation

Market CapQuality
$562.06M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Debt/EquityHealth
1.453/10

Elevated debt levels

JPM4 concerns · Avg: 2.3/10
PEG RatioValuation
1.644/10

Expensive relative to growth rate

Free Cash FlowQuality
$-25.28B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.552/10

Distress zone — elevated risk

Debt/EquityHealth
3.301/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CRD-B

The strongest argument for CRD-B centers on EPS Growth, PEG Ratio. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bull Case : JPM

The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.

Bear Case : CRD-B

The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Thin 1.9% margins leave little buffer for downturns.

Bear Case : JPM

The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.

Key Dynamics to Monitor

CRD-B profiles as a value stock while JPM is a growth play — different risk/reward profiles.

JPM carries more volatility with a beta of 0.97 — expect wider price swings.

JPM is growing revenue faster at 30.4% — sustainability is the question.

CRD-B generates stronger free cash flow (12M), providing more financial flexibility.

Bottom Line

JPM scores higher overall (81/100 vs 53/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Crawford & Company

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Crawford & Company provides outsourcing and claims management solutions for carriers, brokers, and corporations in the United States, United Kingdom, Europe, Canada, Australia, and internationally. The company is headquartered in Atlanta, Georgia.

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JPMorgan Chase & Co

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.

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