TWFG (NASDAQ:TWFG – Get Free Report) and Crawford & Company (NYSE:CRD.A – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, analyst recommendations, profitability, earnings, dividends and valuation.
Valuation & Earnings
This table compares TWFG 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 | |
| TWFG | $279.48 million | 4.67 | $7.96 million | $0.59 | 40.93 |
| Crawford & Company | $1.31 billion | 0.46 | $19.63 million | $0.47 | 26.62 |
Volatility and Risk
TWFG has a beta of 0.18, indicating that its stock price is 82% less volatile than the S&P 500. Comparatively, Crawford & Company has a beta of 0.83, indicating that its stock price is 17% less volatile than the S&P 500.
Insider and Institutional Ownership
22.6% of Crawford & Company shares are owned by institutional investors. 68.4% of TWFG shares are owned by insiders. Comparatively, 54.3% of Crawford & Company shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares TWFG and Crawford & Company’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| TWFG | 2.90% | 19.49% | 15.20% |
| Crawford & Company | 1.81% | 28.15% | 6.51% |
Analyst Ratings
This is a breakdown of recent ratings and price targets for TWFG and Crawford & Company, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| TWFG | 0 | 4 | 4 | 0 | 2.50 |
| Crawford & Company | 0 | 0 | 1 | 0 | 3.00 |
TWFG currently has a consensus target price of $29.57, indicating a potential upside of 22.45%. Crawford & Company has a consensus target price of $14.00, indicating a potential upside of 11.91%. Given TWFG’s higher possible upside, analysts clearly believe TWFG is more favorable than Crawford & Company.
Summary
TWFG beats Crawford & Company on 8 of the 14 factors compared between the two stocks.
About TWFG
TWFG, Inc. operates an independent distribution platform for personal and commercial insurance products in the United States. Its personal and commercial insurance products include auto, home, renters, life, health, motorcycle, umbrella, boat, recreational vehicle, flood, wind, event, luxury item, general liability, property, business auto, workers’ compensation, business owner policy, and professional liability insurance products, as well as commercial bonds and group benefits. The company was founded in 2001 and is based in The Woodlands, Texas. TWFG, Inc. operates as a subsidiary of Bunch Family Holdings, LLC.
About Crawford & Company
Crawford & Company provides claims management and outsourcing solutions to the risk management and insurance industry, and self-insured entities. The company's Crawford Claims Solutions segment offers claims management services related to property, casualty, and catastrophe losses caused by physical damage to commercial and residential real properties, and personal properties, as well as marine losses. It also offers services in the areas of field investigation, catastrophe, evaluation, and resolution of property and casualty insurance claims; and various on-demand inspection, verification, and other task specific field services for businesses and consumers through a mobile platform. Its Crawford TPA Solutions segment provides claims and risk management services; desktop claim adjusting and claims evaluation services; initial loss reporting services for claimants; loss mitigation services, such as medical bill review and case management, and vocational rehabilitation services; and risk management information services, as well as administers trust funds established to pay claims. It offers services for workers' compensation, auto and liability, disability absence and medical management, and accident and health markets. The company's Crawford Specialty Solutions segment offers claims management services related to large and complex losses in various industries, such as commercial property, aviation, forensic accounting, marine and transportation, retail, building and construction, cyber, and energy. It also provides a customer-centric solution for various loss types comprising high-frequency and low-complexity claims, and large complex repairs; and outsourced contractor management services to personal and commercial insurance carriers, and consumer markets. The company operates in the United States, the United Kingdom and the rest of Europe, Canada, Australia, and internationally. Crawford & Company was founded in 1941 and is based in Peachtree Corners, Georgia.
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