WallStSmart

CorVel Corp (CRVL)vsMarsh & McLennan Companies Inc (MMC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Marsh & McLennan Companies Inc generates 2710% more annual revenue ($26.45B vs $941.49M). MMC leads profitability with a 15.6% profit margin vs 11.2%. MMC trades at a lower P/E of 21.9x. MMC earns a higher WallStSmart Score of 62/100 (C+).

CRVL

Hold

45

out of 100

Grade: D+

Growth: 5.3Profit: 7.5Value: 5.7Quality: 8.0
Piotroski: 5/9Altman Z: 5.95

MMC

Buy

62

out of 100

Grade: C+

Growth: 5.3Profit: 8.0Value: 7.3Quality: 4.8
Piotroski: 3/9Altman Z: 1.67
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRVLSignificantly Overvalued (-121.1%)

Margin of Safety

-121.1%

Fair Value

$21.05

Current Price

$52.25

$31.20 premium

UndervaluedFair: $21.05Overvalued
MMCSignificantly Overvalued (-222.6%)

Margin of Safety

-222.6%

Fair Value

$56.64

Current Price

$182.70

$126.06 premium

UndervaluedFair: $56.64Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRVL3 strengths · Avg: 9.7/10
Return on EquityProfitability
31.3%10/10

Every $100 of equity generates 31 in profit

Altman Z-ScoreHealth
5.9510/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

MMC3 strengths · Avg: 8.7/10
Market CapQuality
$89.82B9/10

Large-cap with strong market position

Return on EquityProfitability
28.7%9/10

Every $100 of equity generates 29 in profit

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B in free cash flow

Areas to Watch

CRVL3 concerns · Avg: 4.0/10
P/E RatioValuation
25.6x4/10

Moderate valuation

Revenue GrowthGrowth
3.4%4/10

3.4% revenue growth

EPS GrowthGrowth
2.2%4/10

2.2% earnings growth

MMC4 concerns · Avg: 3.8/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Altman Z-ScoreHealth
1.674/10

Distress zone — elevated risk

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CRVL

The strongest argument for CRVL centers on Return on Equity, Altman Z-Score, Debt/Equity.

Bull Case : MMC

The strongest argument for MMC centers on Market Cap, Return on Equity, Free Cash Flow. Profitability is solid with margins at 15.6% and operating margin at 19.2%. Revenue growth of 11.5% demonstrates continued momentum.

Bear Case : CRVL

The primary concerns for CRVL are P/E Ratio, Revenue Growth, EPS Growth.

Bear Case : MMC

The primary concerns for MMC are PEG Ratio, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

CRVL profiles as a value stock while MMC is a mature play — different risk/reward profiles.

CRVL carries more volatility with a beta of 1.11 — expect wider price swings.

MMC is growing revenue faster at 11.5% — sustainability is the question.

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

Bottom Line

MMC scores higher overall (62/100 vs 45/100), backed by strong 15.6% margins and 11.5% revenue growth. 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.

CorVel Corp

FINANCIAL SERVICES · INSURANCE BROKERS · USA

CorVel Corporation provides workers' compensation, auto, liability and health solutions for employers, outside administrators, insurance companies, and government agencies to help them manage medical costs and monitor the quality of care associated with health care claims. The company is headquartered in Fort Worth, Texas.

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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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