Stock Ratings / Financials / CRVL / financials

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CorVel Corp. (CRVL) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$82.22 +0.04% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $82.42

CorVel Corp. (CRVL) earns a Roarable Rating of B (Buy) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 29% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate) →

ROARABLE B • BUY Cap $4.15B

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CRVL Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CRVL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, CorVel Corp. (NASDAQ: CRVL) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 75/100 at a spot price of $82.22 (+0.04% 1D, market cap $4.15B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CRVL ranks #38 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CRVL compare to ARX and NP in the Financials sector?

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Within the Financials sector (Specialty Insurers), CRVL carries a Roarable B (75/100 RQD), trailing P/E of 37.6x, gross margin of —, and ROIC of 29.4%. By comparison, ARX (Accelerant Holdings (Class A)) holds a C grade (64/100 RQD, P/E N/A, ROIC —, cap $4.30B) and NP (Neptune Insurance Holdings Inc. (Class A)) posts a C grade (64/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CRVL?

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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: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $82.43 (+0.25%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 11.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

3-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 B+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+7.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CRVL)Realized 20D OHLCV Swing Band: ±5.3%

Deterministic 5-Pillar Attribution (75/100 Composite)

🔍 WHY CRVL SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (24% of score)

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

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (21% of score)

20D Institutional Volume Accumulation (±5.3% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution13/20 pts (-7 pt drag)

Cannibal Buyback (-1.52% YoY Shares) & executive Form 4 sales trim 7 pts from alignment

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

Q1 (-3Q)

Grade B-$77.92+2.3% Next Q

Q2 (-2Q)

Grade B$79.72+6.1% Next Q

Q3 (-1Q)

Grade B$84.59-2.8% Next Q

Current

Grade B$82.22+7.4% Hist 90D α

Trajectory: B- (67) → B (75)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 75/100 (B) 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

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ 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 ($74.95) or 200D SMA ($62.55) invalidates the momentum regime and cuts Target Base ($88.51) toward Bear Floor ($67.42).

🎲 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 75%NO 25%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How CRVL Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$110.3M (11.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $795.3M

FY24

Rev $895.6M

FY25

Rev $958.5M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$958.5M	52%	0%	$110.3M	$110.3M	29.4%
FY 2024	$895.6M	52%	0%	$95.2M	$91.6M	29.4%
FY 2023	$795.3M	52%	0%	$76.3M	$99.2M	29.4%

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CRVL)

✓Walkthrough of CRVL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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

CRVL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +43.59%▲ ASCENDING CHANNEL

2026-11-02O $81.58H $82.22L $81.58C $82.22VOL 125.6K

RES: $86.52SUP: $62.55SMA50: $74.95SMA200: $62.55

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 #38 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 #38 by composite RQD confidence (75/100, grade B) 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. CRVL currently leads its immediate peer cohort in composite quantitative strength at 75/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CRVL ACTIVE CorVel Corp.	B	75/100	37.6x	—	29.4%	+0.04%	$4.15B	Benchmark Subject
ARX Accelerant Holdings (Class A)	C	64/100	—	—	—	0.00%	$4.30B	/arx-vs-crvl →
NP Neptune Insurance Holdings Inc. (Class A)	C	64/100	106.4x	—	28.2%	+1.28%	$3.98B	/np-vs-crvl →
BWIN The Baldwin Insurance Group Inc.	D	46/100	—	—	3.6%	+0.31%	$4.44B	/bwin-vs-crvl →
HGTY Hagerty Inc. (Class A)	B	75/100	37.5x	—	67.4%	+0.78%	$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?

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

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

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

CRVL last traded at $82.22 (+0.04% on volume of 114,824 shares), positioning the stock +9.70% above its 50-day simple moving average ($74.95) and +31.45% above its 200-day simple moving average ($62.55). Across its 52-week range of $44.83 to $85.15, CRVL sits at the 92.7% percentile with a 14-day RSI of 65.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($77.86 to $86.58).

CRVL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is CorVel Corp. (CRVL)?

In FY 2025 (10-K), CRVL converted $958.5M of revenue into a 52% gross margin, 0% operating margin, and $110.3M in free cash flow (11.5% FCF margin).

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