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CorVel Corp. (CRVL) — RQD Stock Rating Cockpit

$82.19 +0.75% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $82.14

CorVel Corp. (CRVL) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $4.15B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $82.15 (-0.05%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 11.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CRVL)Realized 20D OHLCV Swing Band: ±5.4%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY CRVL SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (28% of score)

SEC XBRL FY 2025 (10-K): 11.5% FCF Margin ($110.3M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$77.16+3.3% Next Q

Q2 (-2Q)

Grade C$79.69+5.2% Next Q

Q3 (-1Q)

Grade C$83.87-2% Next Q

Current

Grade C$82.19+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CRVL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, CRVL faces multiple-compression risk if 37.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($74.71) or 200D SMA ($62.48) invalidates the momentum regime and cuts Target Base ($84.41) toward Bear Floor ($65.84).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CRVL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CRVL Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

65.730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE93% OF RANGE

L: $45$82.19H: $85

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: ARQD 18 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D+RQD 21 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on CRVL

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (90)

29.4% ROIC with 42.0% gross margin and 2.66% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (52)

21/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like CRVL

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CRVL Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CRVL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +43.04%▲ ASCENDING CHANNEL

2026-10-30O $83.00H $83.61L $81.71C $82.19VOL 114.8K

RES: $86.24SUP: $62.49SMA50: $74.71SMA200: $62.48

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CRVL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CRVL Butterfly Map → + Track CRVL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

28.8%/yr Implied 5Y Growth

vs. +7.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CRVL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CRVL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CRVL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CRVL)

Financials Rank #344 of 1096 ⚔️ ARX vs CRVL Full Matrix →

1. Head-to-Head Financials Peer Comparison (CRVL vs. ARX, NP, BWIN, HGTY)

Industry: Specialty Insurers (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, CorVel Corp. (CRVL) ranks #344 by composite RQD confidence (64/100, grade C) and #309 by equity capitalization ($4.15B). Within this direct 5-issuer industry benchmark cohort, HGTY leads on earnings valuation at 37.5x trailing P/E, while HGTY leads on capital efficiency and profitability with 67.4% ROIC and — gross margin. HGTY currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with CRVL at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CRVL ACTIVE CorVel Corp.	C	64/100	37.6x	—	29.4%	+0.75%	$4.15B	Benchmark Subject
ARX Accelerant Holdings (Class A)	D+	53/100	—	—	—	+0.05%	$4.30B	/arx-vs-crvl →
NP Neptune Insurance Holdings Inc. (Class A)	D+	58/100	106.4x	—	28.2%	-2.27%	$3.98B	/np-vs-crvl →
BWIN The Baldwin Insurance Group Inc.	D	46/100	—	—	3.6%	-0.38%	$4.44B	/bwin-vs-crvl →
HGTY Hagerty Inc. (Class A)	B-	71/100	37.5x	—	67.4%	+0.13%	$5.60B	/hgty-vs-crvl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-03-31 • CIK 0000874866

In its most recent audited fiscal period (FY2025, filed 2026-03-31), CorVel Corp. (CRVL) reported GAAP revenue of $958.5M (+7.0% vs. FY2024 revenue of $895.6M , and +20.5% cumulative change since FY2023) , GAAP net income of $110.3M, operating cash flow of $155.6M, and free cash flow of $110.3M (+20.4% YoY). On the balance sheet, CRVL closed FY2025 with $644.8M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-03-31	$958.5M	$110.3M	$155.6M	$110.3M	$644.8M	—
FY2024 (FY)	2025-03-31	$895.6M	$95.2M	$127.3M	$91.6M	$538.8M	—
FY2023 (FY)	2024-03-31	$795.3M	$76.3M	$99.2M	$99.2M	—	—

3. CRVL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CRVL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, CorVel Corp. (NASDAQ: CRVL) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $82.19 (+0.75% 1D, market cap $4.15B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CRVL ranks #344 in composite RQD confidence.

How does CRVL compare to ARX and NP in the Financials sector?

Within the Financials sector (Specialty Insurers), CRVL carries a Roarable C (64/100 RQD), trailing P/E of 37.6x, gross margin of —, and ROIC of 29.4%. By comparison, ARX (Accelerant Holdings (Class A)) holds a D+ grade (53/100 RQD, P/E N/A, ROIC —, cap $4.30B) and NP (Neptune Insurance Holdings Inc. (Class A)) posts a D+ grade (58/100 RQD, P/E 106.4x, ROIC 28.2%, cap $3.98B). Among the 5-stock peer group, HGTY leads on earnings multiple (37.5x) while HGTY leads on capital efficiency (67.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CRVL?

Per CRVL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0000874866), CorVel Corp. generated $958.5M in revenue (+7.0% YoY), $110.3M in net income, and $110.3M in free cash flow against $644.8M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CRVL trading relative to its 50-day, 200-day, and 52-week technical levels?

CRVL last traded at $82.19 (+0.75% on volume of 125,623 shares), positioning the stock +10.01% above its 50-day simple moving average ($74.71) and +31.55% above its 200-day simple moving average ($62.48). Across its 52-week range of $44.83 to $85.15, CRVL sits at the 92.7% percentile with a 14-day RSI of 65.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.4% ($77.75 to $86.63).

CRVL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CRVL stock right now?

CorVel Corp. (CRVL) currently earns a Roarable Rating of C (Hold — HOLD) with 64/100 RQD Confidence. Solid steady margins (29% return on capital), mixed timing at 38x P/E—hold if owned, no rush to chase.

What is CRVL's 12-month price target and RQD AI Jury consensus?

CRVL's 12-month base price target is $84.41 (range $65.84 to $99.6), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CRVL RQD Cockpit CRVL 12M Forecast CRVL Earnings & Move CRVL Dividends & DRIP CRVL Insiders & 13F CRVL Whale Options CRVL Profit Sankey CRVL News & Why