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52

CRVL

๐Ÿฆ Financial Services

CorVel Corporation

Conservative #540Aggressive #492Moderate Risk
$51.58-0.65%
Day High$51.87
Day Low$50.62
Volume0.2M
Mkt Cap$2.6B
52W Low $4552W High $120
Market Cap
$2.6B
P/E Ratio
24.0
Sector avg: 26.8
Rev Growth
12.6%
Sector avg: 13.4%
Earnings Growth
24.8%
Profit Margin
11.2%
Sector avg: -2.8%
Debt/Equity
0.12

Why This Score

CRVL scores 53.3 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Strong profitability: ROE of 30.1% exceeds the 15% quality threshold.
  • High conviction (73/100) โ€” fundamental and ML signals agree on this stock.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 2-point penalty for execution risk.

Minor adjustments (-2.5 points) applied. CRVL's rank of #540 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score53.3
Fundamental Score48.7
ML Score67.0

Score by Horizon

3 Month
62.3
6 Month
69.6
Primary
1 Year
73.3

Quality Assessment

B
Quality Grade
Good quality โ€” solid metrics, minor concerns possible

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
0
Declining
Sentiment (2.5%)
28
Negative
Analyst (6.4%)
50
Neutral
Tradability (post-hoc)
61
Grade B
Base
50.3
SHAP
+2.4
Factors
+1.1
Divergence
-0.5
Final
53.3
Positive adjustment
Negative adjustment
Base blend
Final score

Factor Breakdown

66AVG
Value51
Quality72
Growth71
Stability61
Investment76

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)73.0
Technical (Momentum, Weinstein, Volatility)28.0
External (Sentiment, Analyst, Macro)57.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
-1.1% to +3.1%
Medium-term
-1.0% to +5.3%
Long-term
-1.0% to +7.5%

ML Model Core Features100 trained inputs โ†’ ML Score: 67

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score50.0/100
Target Upside+0.0%
Coverage0 analysts
Market Sentiment
Sentiment Score27.5/100
News Volume1 articles
Technical Stage
Weinstein Stage4 โ€” Declining
12M Momentum-0.6%
6M Momentum-0.4%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration-10.6%
Momentum ConsistencyStrong (0.81)
Relative Strength vs Sector-64.3%
Trend Strength (ADX Proxy)Strong (5.0)
Momentum Quality-0.243
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
3%
Low risk
Sector RevGr Rank
P72
Revenue growth vs Financial Services peers
Sector PE Rank
P22
Valuation vs Financial Services peers
Sector FCF Rank
P41
Free cash flow vs Financial Services peers
Growth Deviation
+0.1ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 49 relative to sector peers49/100
Machine learning ensemble ranks this stock at the 67th percentileP67
Blended score: 80% fundamental (49) + 20% ML (67) = 52.452.4
Risk assessment: low. Low vol 0.1%; Drawdown 56% โ†’ 0.0ptLow
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by 0 pointsGrade B
SHAP feature alignment: +2.4pt (features align with model priorities)SHAP
Divergence penalty: -0.5pt (ML 18pt higher)Divergence
Risk Factors
Liquidity penalty: -2.0pt (grade B)Liquidity

Sector Peer Comparison(Financial Services โ€” Rank #167 of 356 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
CRVL53.324.012.6%11.2%$2.6B
CME86.427.29.9%57.5%$114.0B
FHB84.911.83.2%24.2%$3.1B
ACT84.58.92.4%54.6%$6.1B
CINF84.210.711.4%18.9%$25.4B
SEIC82.214.010.7%27.3%$9.9B
TROW79.910.13.1%28.5%$20.5B
QQQX79.710.448.6%257.3%$1.4B
IBOC78.210.67.5%40.1%$4.2B
HWC77.812.2-1.5%24.1%$5.6B
FFIN77.518.811.7%30.7%$4.7B
TRMK77.111.934.8%19.3%$2.6B
NMIH77.17.78.4%55.1%$3.0B
EWBC76.712.74.6%28.3%$15.3B
WSFS76.312.8-3.1%21.1%$3.5B
MCHB76.1N/A123.7%23.2%$3.1B
Sector Average47.526.813.4%-2.8%โ€”

Company Overviewvia FMP

CorVel Corporation provides workers' compensation, auto, liability, and health solutions for employers, third party administrators, insurance companies, and government agencies to assist them in managing the medical costs and monitoring the quality of care associated with healthcare claims. It applies technology, including artificial intelligence, machine learning, and natural language processing to enhance the managing of episodes of care and the related health care costs. The company offers network solutions services, including automated medical fee auditing, preferred provider management and reimbursement services, retrospective utilization review, facility claim review, professional review, pharmacy services, directed care services, Medicare solutions, clearinghouse services, independent medical examinations, and inpatient medical bill review. It also provides a range of patient management services, such as claims management, case management, 24/7 nurse triage, utilization management, vocational rehabilitation, and life care planning, as well as processing of claims for self-insured payors with respect to property and casualty insurance. The company was incorporated in 1987 and is headquartered in Fort Worth, Texas.

CEO
Michael G. Combs
Employees
4,870
Beta
1.06
Industry
Insurance - Brokers
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
62.5
Neutral
Trend
Bearish
10-day vs 50-day MA
From 52W High
-56.9%
High: $119.57
From 52W Low
+15.1%
Low: $44.83
Moving Averages
10-Day
$49.90
Above
20-Day
$51.10
Above
50-Day
$62.00
Below
200-Day
$81.30
Below
60-Day Support
$44.83
60-Day Resistance
$72.98
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 4 โ€” DecliningScore: 10/100

Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.

Unfavorable technical position; wait for Stage 1 basing
Price vs 200 SMA
-36.6%
200 SMA Slope (60d)
-14.92%
Falling
Volume Ratio
1.24x
10d avg vs 50d avg
Days in Stage
100
Confidence: 90%

Entry & Exit Zones

Avoid
No Entry
โ€”
No entry โ€” active downtrend
Exit Target
โ€”
Exit position if held
Stop Level
โ€”
No stop โ€” exit recommended

Stage 4 downtrend โ€” price is below both SMA50 and SMA200 with a declining 200-day average. Capital preservation takes priority. Do not buy into a downtrend.

Technical zones only โ€” derived from moving averages and price structure. Not financial advice. Past technical patterns do not guarantee future performance.

Financial Statementslast 4 quarters via FMP

MetricQ3 2025Q2 2025Q1 2025Q4 2025
Revenue$236M$240M$235M$232M
Gross Profit$55M$58M$57M$58M
Operating Income$32M$36M$35M$33M
Net Income$24M$28M$27M$26M
EPS (Diluted)$0.47$0.54$0.52$0.51
Gross Margin23.3%24.3%24.2%25.0%
Operating Margin13.7%15.0%15.0%14.4%
Net Margin10.3%11.6%11.6%11.4%

Why This Stock

Financial ServicesP/E ratio of 24.0Revenue growth 12.6%Profit margin 11.2%

Tradability FilterGrade B โ€” 61/100Score impact: -3.9pt

Volume
51
210K avg/day
Dollar Vol
61
$10M/day
Float
59
29M shares
Mkt Cap
61
$2.6B
Range
100
167% spread
Composite Liquidity Score61/100
FDCBA

Multi-Year Range Analysis

Sideways: 0/100
YearLowHighRangeStatus
2021$33.53$71.1271.8%Wide
2022$43.06$70.3648.1%Wide
2023$46.59$85.2058.6%Wide
2024$74.63$127.2452.1%Wide
2025$66.49$128.6163.7%Wide
3-Year Range
93.6%
Narrow Years
0 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
56.0%
Outstanding Shares
51M
Bid-Ask Spread
167.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.