Crawford & Company A (CRD.A) AI Stock Analysis

• Market Cap: $525.01M
• Dividend Yield: 2.62%
• Average Volume (3M): 56.86K
• Price to Earnings (P/E): 16.9
• Beta (1Y): 1.21
• Revenue Growth: 4.39%
• EPS Growth: 61.61%
• Country: US
• Employees: 9,134
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): 0.32
• Shares Outstanding: 30,091,583
• 10 Day Avg. Volume: 59,347
• 30 Day Avg. Volume: 56,858
• PEG Ratio: -1.49
• Price to Book (P/B): 3.61
• Price to Sales (P/S): 0.42
• P/FCF Ratio: 56.92
• Enterprise Value/Market Cap: 1.48
• Enterprise Value/Revenue: 0.58
• Enterprise Value/Gross Profit: 2.07
• Enterprise Value/Ebitda: 7.05
• 1Y Price Target: $14.00
• Price Target Upside: 21.11% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: $12.50 ▲(8.13% Upside)

Crawford & Company A demonstrates a solid overall stock performance, driven by strong technical indicators and a fair valuation. While financial performance shows strengths in cash flow and return on equity, the company faces challenges in revenue growth and high leverage. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Cash Flow Generation

Strong cash flow generation enhances liquidity and supports operational needs, providing a stable financial foundation for long-term growth.

Return on Equity

Efficient use of equity to generate profits indicates strong management performance and effective capital allocation, supporting sustainable growth.

Technology Investment

Technology investments improve service efficiency and client satisfaction, driving competitive advantage and supporting revenue growth.

Negative Factors

High Financial Leverage

High leverage can strain financial flexibility and increase risk, potentially impacting the company's ability to invest in growth opportunities.

Revenue Growth Challenges

Sluggish revenue growth may hinder the company's ability to expand market share and improve profitability over the long term.

Gross Profit Margin Pressure

Decreasing gross profit margins suggest rising costs or pricing pressures, which could erode profitability if not managed effectively.

Crawford & Company A Business Overview & Revenue Model

Company Description

Crawford & Company provides claims management and outsourcing solutions for carriers, brokers, and corporations in the United States, the United Kingdom, Europe, Canada, Australia, and internationally. The company's Crawford Loss Adjusting provides claims management services to insurance companies and self-insured entities risk including property, public liability, automobile, and marine insurances. Its Crawford TPA Solutions segment provides claims and risk management services for corporations in the self-insured or commercially-insured marketplace; desktop claim adjusting and claims evaluation services; initial loss reporting services for claimants; and loss mitigation and risk management information services, as well as administers loss funds established to pay claims. This segment also offers third party administration for workers' compensation, auto and liability, disability absence and medical management, and accident and health products. The company's Crawford Platform Solutions segment offers insurance through service lines, such as Contractor Connection and Networks, including losses caused by natural disasters, such as fires, hailstorms, hurricanes, earthquakes, floods, as well as man-made disasters, such as oil spills, and chemical releases. It also provides customer-centric solutions for various loss types comprising high-frequency and low-complexity claims to large complex repairs; and outsourced contractor management services to personal and commercial insurance carriers and consumer markets. The company was founded in 1941 and is headquartered in Atlanta, Georgia.

How the Company Makes Money

Crawford & Company generates revenue primarily through its claims management services, which include adjusting and managing insurance claims for clients. The company charges fees for its services, typically based on the complexity and volume of claims handled. Key revenue streams include fees from property and casualty claims, workers' compensation claims, and specialized services such as fraud detection and risk consulting. Additionally, Crawford & Company has established significant partnerships with insurance carriers and brokers, which contribute to its earnings by providing a steady flow of claims to manage. The company's investment in technology solutions also enhances its service offerings, allowing for greater efficiency and improved client satisfaction, which in turn supports revenue growth.

Crawford & Company A Financial Statement Overview

Summary

Crawford & Company A presents a stable financial position with strengths in cash flow generation and return on equity. However, challenges remain in revenue growth and high financial leverage. The company should focus on improving revenue growth and managing debt levels to enhance financial stability and profitability.

Income Statement

Crawford & Company A shows a mixed performance in its income statement. The TTM data indicates a slight decline in revenue growth rate, which is concerning. However, the company maintains a positive net profit margin and has improved its net income over the previous year. The gross profit margin has decreased, indicating potential cost pressures. Overall, the company demonstrates moderate profitability with room for improvement in revenue growth.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, which poses a risk of financial leverage. However, the company has shown a strong return on equity, indicating efficient use of equity to generate profits. The equity ratio is moderate, suggesting a balanced asset structure. While the company is leveraging debt, it is managing to generate returns, but the high leverage remains a concern.

Cash Flow

The cash flow statement shows a significant improvement in free cash flow growth, which is a positive indicator of financial health. The operating cash flow to net income ratio is moderate, suggesting reasonable cash generation relative to net income. The free cash flow to net income ratio is strong, indicating effective conversion of profits into cash. Overall, the cash flow position is robust, supporting the company's liquidity and operational needs.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.35B	1.34B	1.27B	1.23B	1.14B	1.02B
Gross Profit	375.78M	367.55M	359.07M	306.35M	291.80M	278.88M
EBITDA	110.27M	97.61M	102.91M	52.11M	91.02M	100.03M
Net Income	32.60M	26.60M	30.61M	-18.30M	30.69M	28.30M
Balance Sheet
Total Assets	799.84M	803.75M	799.20M	791.51M	852.64M	752.98M
Cash, Cash Equivalents and Short-Term Investments	68.77M	55.41M	58.36M	46.01M	53.23M	44.66M
Total Debt	305.56M	309.49M	311.53M	346.40M	288.67M	239.57M
Total Liabilities	614.16M	648.20M	659.37M	668.13M	641.24M	566.06M
Stockholders Equity	187.32M	157.21M	141.62M	124.54M	211.97M	186.94M
Cash Flow
Free Cash Flow	81.03M	9.97M	67.19M	-6.96M	23.37M	55.80M
Operating Cash Flow	92.24M	51.62M	103.79M	27.63M	54.32M	93.18M
Investing Cash Flow	-37.45M	-41.65M	-36.60M	-57.88M	-70.83M	-27.04M
Financing Cash Flow	-39.98M	-12.86M	-54.68M	25.94M	24.66M	-74.37M

Crawford & Company A Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 11.56
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRD.A, the sentiment is Positive. The current price of 11.56 is above the 20-day moving average (MA) of 11.02, above the 50-day MA of 10.83, and above the 200-day MA of 10.77, indicating a bullish trend. The MACD of 0.17 indicates Negative momentum. The RSI at 62.20 is Neutral, neither overbought nor oversold. The STOCH value of 81.28 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CRD.A.

Crawford & Company A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CRD.A	71 Outperform	$525.01M	16.90	18.72%	2.62%	4.39%	61.61%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CRD.B	67 Neutral	$525.01M	15.48	18.72%	2.84%	4.39%	61.61%
SLQT	49 Neutral	$279.80M	―	15.11%	―	13.16%	―
EHTH	45 Neutral	$124.91M	111.59	5.88%	―	16.79%	―
GOCO	42 Neutral	$54.36M	―	-13.38%	―	17.46%	60.17%
TIRX	41 Neutral	$26.98M	-1.75	-11.18%	―	624.24%	85.46%

Crawford & Company A Corporate Events

Crawford & Company Reports Strong Q3 Earnings Growth

Crawford & Company, a prominent provider of claims management and outsourcing solutions, operates within the insurance sector, offering services to clients across more than 70 countries. In its third-quarter earnings report for 2025, Crawford & Company highlighted a solid growth in net income and operating earnings despite a slight decline in overall revenues. The company reported a 31% increase in net income, reaching $12.4 million, and a 22% rise in adjusted operating earnings. Notably, the Broadspire and International Operations segments achieved record quarterly revenues, driven by growth in medical case management and international claims.

Crawford & Company Reports Q3 2025 Financial Results

Crawford & Company reported its financial results for the third quarter of 2025, showing a 2% decrease in revenues before reimbursements compared to the same period in 2024, totaling $322.2 million. Despite this, the company achieved a 31% increase in net income, reaching $12.4 million, and saw significant growth in operating earnings and margins across its business segments. Broadspire and International Operations set new quarterly revenue records, while North America Loss Adjusting and Platform Solutions faced challenges due to lower claims activity and reduced staff augmentation business. The company remains focused on expanding client relationships and enhancing operational excellence to strengthen its global market position.

The most recent analyst rating on ($CRD.A) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Crawford & Company A stock, see the CRD.A Stock Forecast page.

Crawford & Company Expands Share Repurchase Program

On October 30, 2025, Crawford & Company’s Board of Directors authorized an increase in its share repurchase program by an additional two million shares, extending the program’s termination date to December 31, 2027. The Board also declared a quarterly cash dividend of $0.075 per share for both Class A and Class B common stock, payable on December 5, 2025, to shareholders of record as of November 19, 2025. This move reflects the company’s confidence in its solid revenue growth and current share price, which is believed to be trading below intrinsic value.

The most recent analyst rating on ($CRD.A) stock is a Hold with a $11.00 price target. To see the full list of analyst forecasts on Crawford & Company A stock, see the CRD.A Stock Forecast page.

Crawford & Company Reports Q2 2025 Financial Results

Crawford & Company, a leading provider of claims management and outsourcing solutions, operates in the insurance sector with a global presence in over 70 countries. In its second quarter of 2025, Crawford & Company reported a 3% increase in revenues to $323 million compared to the same period in 2024, although net income decreased by 9% to $7.8 million. The company highlighted revenue growth in three of its four operating segments, despite facing challenges in the North America Loss Adjusting and Platform Solutions businesses due to lower claims frequency in U.S. property. Notably, the Broadspire segment achieved a record quarterly revenue of $100.6 million, driven by increases in medical case management and casualty claims revenues. Looking ahead, Crawford & Company remains optimistic about its financial health and market position, with a strong balance sheet and liquidity to support future growth and service delivery, particularly as it anticipates increased demand during the severe weather season in the U.S.