Crawford & Company (CRD-A)vsWillis Towers Watson PLC (WTW)
CRD-A
Crawford & Company
$9.78
+1.56%
FINANCIAL SERVICES · Cap: $474.08M
WTW
Willis Towers Watson PLC
$289.51
-1.31%
FINANCIAL SERVICES · Cap: $28.09B
Smart Verdict
WallStSmart Research — data-driven comparison
Willis Towers Watson PLC generates 667% more annual revenue ($9.71B vs $1.27B). WTW leads profitability with a 16.5% profit margin vs 1.6%. CRD-A appears more attractively valued with a PEG of 0.91. WTW earns a higher WallStSmart Score of 62/100 (C+).
CRD-A
Buy56
out of 100
Grade: C
WTW
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+42.0%
Fair Value
$18.25
Current Price
$9.78
$8.47 discount
Margin of Safety
-153.5%
Fair Value
$110.50
Current Price
$289.51
$179.01 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 30.4% YoY
Strong operational efficiency at 35.4%
Every $100 of equity generates 20 in profit
Areas to Watch
Smaller company, higher risk/reward
1.6% margin — thin
Operating margin of 3.4%
Revenue declined 11.2%
Revenue declined 3.3%
Earnings declined 38.2%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CRD-A
The strongest argument for CRD-A centers on PEG Ratio, Price/Book, EPS Growth. PEG of 0.91 suggests the stock is reasonably priced for its growth.
Bull Case : WTW
The strongest argument for WTW centers on Operating Margin, Return on Equity. Profitability is solid with margins at 16.5% and operating margin at 35.4%. PEG of 1.08 suggests the stock is reasonably priced for its growth.
Bear Case : CRD-A
The primary concerns for CRD-A are Market Cap, Profit Margin, Operating Margin. Thin 1.6% margins leave little buffer for downturns.
Bear Case : WTW
The primary concerns for WTW are Revenue Growth, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
CRD-A profiles as a value stock while WTW is a declining play — different risk/reward profiles.
CRD-A carries more volatility with a beta of 0.69 — expect wider price swings.
WTW is growing revenue faster at -3.3% — sustainability is the question.
WTW generates stronger free cash flow (708M), providing more financial flexibility.
Bottom Line
WTW scores higher overall (62/100 vs 56/100), backed by strong 16.5% margins. CRD-A offers better value entry with a 42.0% margin of safety. Both earn "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.
Willis Towers Watson PLC
FINANCIAL SERVICES · INSURANCE BROKERS · USA
Willis Towers Watson PLC (WTW) is a leading global advisory, broking, and solutions firm that excels in risk management, insurance, and consulting services. With a presence in over 140 countries, WTW leverages cutting-edge data analytics and technology to deliver tailored solutions across key sectors such as health, retirement, and talent management. The company caters to a diverse clientele, ranging from multinational corporations to smaller enterprises, and is dedicated to fostering sustainable growth while enhancing client engagement. Its strategic initiatives position WTW as a trusted partner for organizations seeking to navigate the complexities of an evolving market landscape.
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