Patriot National (NYSE: PN) and Crawford & (NYSE:CRD.B) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, risk, valuation, earnings, profitability, institutional ownership and dividends.

Valuation and Earnings

This table compares Patriot National and Crawford &’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Patriot National $233.03 million 0.15 $31.71 million ($0.02) -56.50
Crawford & N/A N/A N/A $0.60 N/A

Patriot National has higher revenue and earnings than Crawford &. Patriot National is trading at a lower price-to-earnings ratio than Crawford &, indicating that it is currently the more affordable of the two stocks.

Dividends

Crawford & pays an annual dividend of $0.20 per share. Patriot National does not pay a dividend. Crawford & pays out 33.3% of its earnings in the form of a dividend.

Risk & Volatility

Patriot National has a beta of 2.8, indicating that its stock price is 180% more volatile than the S&P 500. Comparatively, Crawford & has a beta of 1.7, indicating that its stock price is 70% more volatile than the S&P 500.

Insider and Institutional Ownership

13.3% of Patriot National shares are held by institutional investors. Comparatively, 16.8% of Crawford & shares are held by institutional investors. 59.9% of Patriot National shares are held by company insiders. Comparatively, 51.0% of Crawford & shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Patriot National and Crawford &’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Patriot National -0.35% 7.15% 1.91%
Crawford & 3.17% 26.83% 5.69%

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Patriot National and Crawford &, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Patriot National 0 2 0 0 2.00
Crawford & 0 0 0 0 N/A

Patriot National currently has a consensus target price of $7.75, indicating a potential upside of 585.84%.

Summary

Crawford & beats Patriot National on 6 of the 10 factors compared between the two stocks.

Patriot National Company Profile

Patriot National, Inc. is an independent national provider of technology-enabled outsourcing solutions that help insurance carriers, employers and other clients mitigate risk and comply with complex regulations. It offers a range of end-to-end insurance related and specialty services. The Company principally offers approximately two types of services: front-end services, such as brokerage, underwriting and policyholder services, and back-end services, such as claims adjudication and administration. It also offers specialty services, including technology outsourcing and other information technology (IT) services, as well as employment pre-screening and background checks. The Company’s brokerage and policyholder services include general agency services and specialty underwriting and policyholder services provided to its insurance carrier clients. The Company’s claims administration services relate to the administration and resolution of workers’ compensation claims.

Crawford & Company Profile

Crawford & Company (Crawford) is an independent provider of claims management solutions to insurance and self-insured entities. The Company’s Crawford Solution offers claims services, business process outsourcing and consulting services for various product lines, including property and casualty claims management; workers’ compensation claims and medical management, and legal settlement administration. Crawford conducts its operations through four segments: U.S. Services, which primarily serves the property and casualty insurance company markets in the United States; International, which serves the property and casualty insurance company, and self-insurance markets outside the United States; Broadspire, which serves the self-insurance marketplace, primarily in the United States, and Garden City Group, which serves the class action, regulatory, mass tort, bankruptcy and other legal settlement markets, primarily in the United States.

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