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Held by 267 of 5,944 reporting institutions (94th percentile) — extremely crowded.
Data as of Q1 2026
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Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $70.67 today, the market must believe free cash flow compounds 16.1%/yr for a decade (off $91M normalized FCF).
The market's 16.1% is more conservative than its 9-yr track record.
2-stage DCF · 0.05B shares · net debt -$233M
mean 28.7% · volatility σ 43% · implied rate exceeded in 7/9 yrs
Central path = implied 16.1%/yr growth; shaded band = ±1σ (43%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
6/8 of the 9 checks — 1 couldn't be scored (see above), so the score is out of the 8 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Eight indices comparing this year to last (receivables, margins, asset quality, growth, accruals, leverage). Above −1.78 suggests possible manipulation; below −2.22 is clean.
A screen, not proof — high growth alone can raise it.
Cash conversion lags reported earnings — watch accruals. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $56M buybacks = $56M returned on $110M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 28%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest expense isn't separately reported — often netted into “other income (expense), net.”
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-09-18
How a revenue dollar becomes profit — FY2026
Each value shows its share of revenue below it (common-size).
| Line Item | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $958.5M 100.0% | $895.6M 100.0% | $795.3M 100.0% | $718.6M 100.0% | $646.2M 100.0% | $552.6M 100.0% | $592.2M 100.0% | $595.7M 100.0% | $558.4M 100.0% | $518.7M 100.0% |
| Cost of Revenue | $725.7M 75.7% | $685.9M 76.6% | $623.6M 78.4% | $560.3M 78.0% | $494.1M 76.5% | $429.0M 77.6% | $466.3M 78.7% | $470.9M 79.0% | $451.1M 80.8% | $413.9M 79.8% |
| Gross Profit | $232.9M 24.3% | $209.7M 23.4% | $171.7M 21.6% | $158.3M 22.0% | $152.1M 23.5% | $123.6M 22.4% | $125.9M 21.3% | $124.8M 21.0% | $107.3M 19.2% | $104.8M 20.2% |
| Selling, General & Admin | $89.7M 9.4% | $88.9M 9.9% | $76.6M 9.6% | $73.7M 10.3% | $67.6M 10.5% | $64.4M 11.7% | $65.2M 11.0% | $63.3M 10.6% | $59.4M 10.6% | $57.2M 11.0% |
| Pretax Income | $143.1M 14.9% | $120.8M 13.5% | $95.1M 12.0% | $84.6M 11.8% | $84.5M 13.1% | $59.2M 10.7% | $60.7M 10.3% | $61.5M 10.3% | $47.9M 8.6% | $47.5M 9.2% |
| Income Tax Expense | $32.8M 3.4% | $25.7M 2.9% | $18.8M 2.4% | $18.2M 2.5% | $18.1M 2.8% | $12.8M 2.3% | $13.3M 2.3% | $14.8M 2.5% | $12.2M 2.2% | $18.1M 3.5% |
| Net Income | $110.3M 11.5% | $95.2M 10.6% | $76.3M 9.6% | $66.4M 9.2% | $66.4M 10.3% | $46.4M 8.4% | $47.4M 8.0% | $46.7M 7.8% | $35.7M 6.4% | $29.5M 5.7% |
| Per Share | ||||||||||
| EPS (Basic) | $2.15 | $1.85 | $1.48 | $1.28 | $3.74 | $2.59 | $2.59 | $2.48 | $1.90 | $1.52 |
| EPS (Diluted) | $2.14 | $1.83 | $1.47 | $1.26 | $3.66 | $2.55 | $2.55 | $2.46 | $1.87 | $1.51 |
| Weighted Avg Shares (Basic) | 51.3M | 51.4M | 51.4M | 52.0M | 17.8M | 17.9M | 18.3M | 18.8M | 18.8M | 19.4M |
| Weighted Avg Shares (Diluted) | 51.6M | 52.0M | 52.0M | 52.8M | 18.1M | 18.2M | 18.6M | 19.0M | 19.0M | 19.6M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
EOD close · as of 2026-09-18
No material risks flagged.
Where each multiple sits in its own 15-yr range · 85th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 15-yr history.
Is the profit real, and how strong is the balance sheet?
FY2026 · every deduction from revenue to net income
DuPont — the three levers
Returns are margin-driven, not leverage-driven — higher quality.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 79.0 | 78.7 | 77.6 | 76.5 | 78.0 | 78.4 | 76.6 | 75.7 |
| Gross Profit | 21.0 | 21.3 | 22.4 | 23.5 | 22.0 | 21.6 | 23.4 | 24.3 |
| SG&A | 10.6 | 11.0 | 11.7 | 10.5 | 10.3 | 9.6 | 9.9 | 9.4 |
| Income Tax | 2.5 | 2.3 | 2.3 | 2.8 | 2.5 | 2.4 | 2.9 | 3.4 |
| Net Income | 7.8 | 8.0 | 8.4 | 10.3 | 9.2 | 9.6 | 10.6 | 11.5 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on CRVL: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $942.8B | 17.5× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $691.4B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $511.5B | 34.2× | — | 15.6× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $416.4B | 15.2× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $279.3B | 18.4× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $266.3B | 13.8× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $213.7B | 20.3× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.9B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $177.2B | 22.3× | — | 6.9× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $169.4B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $165.9B | 30.3× | — | 6.8× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| GLD | $135.3B | — | — | — | — | — | — | — | — | — | 3,072 |
| CB | $133.2B | 13.3× | — | 2.2× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| PGR | $125.2B | 11.1× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.1B | 27.6× | 17.3× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| HOOD | $106.5B | 58.5× | — | 23.8× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| CME | $99.3B | 24.7× | — | 15.2× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $96.1B | 13.0× | — | 3.4× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| BX | $93.6B | 32.3× | — | 6.5× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $92.3B | 14.1× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $89.5B | — | — | — | — | — | — | — | — | — | 7 |
| ICE | $88.2B | 26.9× | 20.9× | 7.0× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| KKR | $88.1B | — | — | 4.5× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| MRSH | $84.9B | 20.8× | 15.5× | 3.1× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| CRVL | $3.6B | 33.0× | — | 3.8× | 7.0% | 24.3% | 11.5% | 28.0% | 28.0% | — | 267 |
Peers = companies sharing CRVL's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.