WallStSmart

Crawford & Company (CRD-B)vsMarsh & McLennan Companies Inc (MMC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies Inc generates 1994% more annual revenue ($26.45B vs $1.26B). CRD-B leads profitability with a 1.4% profit margin vs 0.2%. CRD-B appears more attractively valued with a PEG of 0.90. MMC earns a higher WallStSmart Score of 62/100 (C+).

CRD-B

Hold

45

out of 100

Grade: D

Growth: 2.7Profit: 5.0Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: 2.62

MMC

Buy

62

out of 100

Grade: C+

Growth: 4.7Profit: 4.0Value: 5.0Quality: 4.8
Piotroski: 3/9Altman Z: 1.67

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRD-B2 strengths · Avg: 8.0/10
PEG RatioValuation
0.908/10

Growing faster than its price suggests

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

MMC2 strengths · Avg: 8.5/10
Market CapQuality
$89.82B9/10

Large-cap with strong market position

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B in free cash flow

Areas to Watch

CRD-B4 concerns · Avg: 3.3/10
P/E RatioValuation
28.7x4/10

Moderate valuation

Market CapQuality
$503.98M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
1.4%3/10

1.4% margin — thin

Operating MarginProfitability
3.2%3/10

Operating margin of 3.2%

MMC4 concerns · Avg: 4.0/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.1%4/10

0.1% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CRD-B

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

Bull Case : MMC

The strongest argument for MMC centers on Market Cap, Free Cash Flow.

Bear Case : CRD-B

The primary concerns for CRD-B are P/E Ratio, Market Cap, Profit Margin. Debt-to-equity of 1.54 is elevated, increasing financial risk. Thin 1.4% margins leave little buffer for downturns.

Bear Case : MMC

The primary concerns for MMC are PEG Ratio, Revenue Growth, EPS Growth. Thin 0.2% margins leave little buffer for downturns.

Key Dynamics to Monitor

MMC carries more volatility with a beta of 0.75 — expect wider price swings.

MMC is growing revenue faster at 0.1% — sustainability is the question.

MMC generates stronger free cash flow (2.3B), providing more financial flexibility.

Monitor INSURANCE BROKERS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MMC scores higher overall (62/100 vs 45/100). Both earn "Buy" and "Hold" 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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Marsh & McLennan Companies Inc

FINANCIAL SERVICES · INSURANCE BROKERS · USA

Marsh McLennan (formerly known as Marsh & McLennan Companies) is a global professional services firm, headquartered in New York City with businesses in insurance brokerage, risk management, reinsurance services, talent management, investment advisory, and management consulting. Its four main operating companies are Marsh, Guy Carpenter, Mercer, and Oliver Wyman.

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