Charles River Laboratories (CRL) Stock Concentration Calculator

Calculator · free · no signup · CRL

Quantify Charles River Laboratories concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.

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Your inputs

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Position & portfolio

Default. Adjust to test.
35%
Default. Adjust to test.
20%
10%

Tax

67%
Highly concentratedLong-term
If 30% drop
−$150,000
If 50% drop
−$250,000
If 70% drop
−$350,000

Most fee-only advisors target ≤10% in any single name. You're at 67%.

Estimates only. Not financial advice.

Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).

Cost of fully de-concentrating

All three plans sell to 0% (no hedge).

Tax
Wealth (3y)$956,485
+$33,417 vs.

Tax
Wealth (3y)$994,174
+$71,106 vs.

Tax
Wealth (3y)$1.04M
+$112,490 vs.

Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.

Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.

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Toggle below — chart updates live. Sell buttons show the slice.
Sell over 1 yearSell over 2 yearsSell over 3 yearsCustom
$712,500$815,995$919,489$1,022,984$1,126,478Yr 0Yr 1Yr 2Yr 3
Year 1
Year 2
Year 3
Tax$200,753
Hedge cost$37,676
Wealth at Y3$1,046,371
Vs. best fixed plan+$10,813

Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.

Tax brackets: 2026 · Estimates only — not financial advice.

Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.

You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.

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Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator

About Charles River Laboratories

Charles River Laboratories (CRL) is a public Other company, headquartered in Wilmington, MA.

Equity grants at Charles River Laboratories typically include restricted stock units (RSUs).

Charles River Laboratories International, Inc. is an American pharmaceutical and biotechnology contract research organisation (CRO) headquartered in Wilmington, Massachusetts, United States. Founded in 1947, the company provides preclinical and clinical laboratory services for the development of new drugs, vaccines, and medical devices. Its operations span at least 20 countries, offering research models, safety assessment, and manufacturing support services to pharmaceutical, biotechnology, and government clients.

Source: Wikipedia (CC BY-SA 4.0)

Henry Foster founded the company in 1947 in a Boston building above a river, breeding laboratory rats. It now supplies research models and preclinical services that drug developers use before human trials, including safety assessment, discovery services, and manufacturing support for cell and gene therapy. Its horseshoe crab lysate business for endotoxin testing has drawn conservation scrutiny. Demand tracks biotech funding, which made the venture capital contraction after 2022 a direct headwind. Headquarters are in Wilmington, Massachusetts.

Sources: criver.com · en.wikipedia.org

Equity comp at Charles River Laboratories

  • RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.

Researched 2026-08-17.

OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Charles River Laboratories.

If a meaningful share of your net worth sits in CRL, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with CRL's option-implied volatility.

All Charles River Laboratories tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →

Charles River Laboratories equity questions

How much CRL stock is too much?
There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your CRL position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
Does Charles River Laboratories grant ISOs, NSOs, or RSUs?
Equity compensation at Charles River Laboratories typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
Do Charles River Laboratories RSUs use double-trigger vesting?
No. Charles River Laboratories restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
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OptionsAhoy plans your Charles River Laboratories equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.

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