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

• Market Cap: $522.10M
• Dividend Yield: 2.58%
• Average Volume (3M): 69.97K
• Price to Earnings (P/E): 17.7
• Beta (1Y): 1.13
• Revenue Growth: 4.44%
• EPS Growth: 33.61%
• Country: US
• Employees: 9,134
• Sector: Financial
• Sector Strength: 79
• Industry: Insurance - Brokers
• EPS (TTM): 0.21
• Shares Outstanding: 30,308,750
• 10 Day Avg. Volume: 70,303
• 30 Day Avg. Volume: 69,966
• PEG Ratio: 0.09
• Price to Book (P/B): 2.21
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -39.49
• Enterprise Value/Market Cap: 1.10
• Enterprise Value/Revenue: 0.11
• Enterprise Value/Gross Profit: 0.95
• Enterprise Value/Ebitda: 1.55
• 1Y Price Target: $14.00
• Price Target Upside: 33.59% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 62 Neutral
• Price Target: $11.00 ▲(4.96%Upside)

Crawford & Company A scores moderately due to mixed financial performance, characterized by strong revenue growth but low profitability and high leverage. Technical indicators suggest bearish momentum, impacting the score. However, the stock's valuation is reasonable, and recent corporate events are promising, notably the strategic board appointment, which could enhance future growth.

Positive Factors

Operating Earnings

Q1/25 operating earnings increased 48% year-over-year to $17.8 million, better than the estimate of $15.9 million, with operating earnings margin expanding 170 basis points year-over-year to 5.7%.

Profitability

Q1/25 profitability exceeded expectations despite revenue being modestly below forecast, with the company continuing to build momentum in revenue growth and profitability.

Segment Performance

The Platform Solutions segment achieved strong operating earnings growth due to effective cost management, improved operational efficiency, and a mix shift to higher-margin revenue driven by storm activity.

Negative Factors

Revenue Growth

Broadspire's revenue growth in Q1/25 was below recent trends and was a secondary factor behind the shortfall in total revenue relative to the estimate.

Revenue Shortfall

Revenue shortfall was influenced by the below-trend performance of Broadspire's revenue growth in Q1/25.

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 makes money through its comprehensive claims management services, which are tailored to meet the needs of its clients in the insurance and risk management sectors. The company generates revenue primarily from fees charged for its professional services, which include claims adjustment, risk management, and consulting services. Key revenue streams include property and casualty insurance claims management, workers' compensation claims administration, and legal settlement services. The company also benefits from strategic partnerships and a global network that enables it to deliver services efficiently across different regions. Its earnings are influenced by factors such as the volume of claims processed, the complexity of claims, and the demand for outsourced claims management solutions.

Crawford & Company A Financial Statement Overview

Summary

Crawford & Company A exhibits solid revenue growth and operational efficiency, with a strong EBIT margin. However, profitability remains a challenge due to a low net profit margin and high leverage, suggesting financial risk. The decline in operating cash flow is a concern, though free cash flow remains positive.

Income Statement

Crawford & Company A has shown consistent revenue growth, with a 5.8% increase from 2023 to 2024. The gross profit margin has significantly improved, indicating effective cost management. However, the net profit margin is relatively low at 2.0%, suggesting challenges in converting revenue into profit. The EBIT margin is strong at 77.7%, showing efficient operational management.

Balance Sheet

The company's debt-to-equity ratio is high, indicating a leveraged balance sheet which may pose financial risk. The equity ratio is not calculable due to missing total assets data for 2024, but the declining stockholders' equity over time suggests potential financial instability. Return on equity is reasonably positive, driven by improved net income.

Cash Flow

Operating cash flow decreased significantly from the previous year, impacting liquidity. While free cash flow is positive, indicating good cash management, the free cash flow growth rate dropped by 23.2%. The cash flow metrics show adequate but not strong cash generation relative to net income.

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
602.58M	367.55M	359.07M	306.35M	291.80M	278.88M
	EBIT
293.91M	67.88M	67.82M	52.16M	50.42M	59.05M
	EBITDA
87.37M	107.52M	102.91M	88.26M	73.93M	99.17M
	Net Income Common Stockholders
30.44M	26.60M	30.61M	-18.53M	30.69M	28.30M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	55.41M	58.36M	46.01M	53.23M	44.66M
	Total Assets
0.00	803.75M	799.20M	791.51M	852.64M	752.98M
	Total Debt
331.41M	309.49M	311.53M	346.40M	288.67M	239.57M
	Net Debt
331.41M	254.08M	253.16M	300.39M	235.44M	194.91M
	Total Liabilities
633.24M	648.20M	659.37M	668.13M	641.24M	566.06M
	Stockholders Equity
72.15M	157.21M	141.62M	124.54M	211.97M	186.94M
Cash Flow		Free Cash Flow
25.40M	9.97M	67.19M	-6.96M	23.37M	55.80M
	Operating Cash Flow
57.50M	51.62M	103.79M	27.63M	54.32M	93.18M
	Investing Cash Flow
-41.21M	-41.65M	-36.60M	-57.88M	-70.83M	-27.04M
	Financing Cash Flow
-3.92M	-12.86M	-54.68M	25.94M	24.66M	-74.37M

Crawford & Company A Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.48
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRD.A, the sentiment is Negative. The current price of 10.48 is below the 20-day moving average (MA) of 10.72, below the 50-day MA of 10.63, and below the 200-day MA of 11.08, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 45.62 is Neutral, neither overbought nor oversold. The STOCH value of 58.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CRD.A.

Crawford & Company A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BRO	77 Outperform	$30.23B	29.41	16.18%	0.57%	12.57%	10.52%
ERIE	72 Outperform	$16.78B	30.91	32.38%	1.51%	15.05%	26.80%
CRVL	69 Neutral	$5.56B	59.04	33.41%	―	12.61%	24.78%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
WTW	64 Neutral	$29.43B	―	-0.60%	1.24%	2.42%	-103.64%
CRD.A	62 Neutral	$522.10M	17.71	19.94%	2.58%	4.44%	33.61%
CRD.B	58 Neutral	$522.10M	16.51	19.94%	2.86%	4.44%	33.61%

Crawford & Company A Corporate Events

Crawford & Company Appoints Amy T. Shore as Director

On June 6, 2025, Crawford & Company appointed Amy T. Shore as an independent director. Shore, a seasoned executive with over 30 years in the financial services industry, brings expertise in business transformation and customer experience from her tenure at Nationwide Insurance. Her appointment is expected to enhance Crawford’s strategic direction and operational excellence. Shore’s governance experience and customer-centric innovation are anticipated to contribute significantly to the company’s future growth and stakeholder value.

The most recent analyst rating on ($CRD.A) stock is a Buy with a $12.00 price target. To see the full list of analyst forecasts on Crawford & Company A stock, see the CRD.A Stock Forecast page.

Crawford & Company Approves Key Proposals at Shareholder Meeting

On May 8, 2025, Crawford & Company held its Annual Meeting of Shareholders, where 96.51% of the eligible Class B common stock was represented. During the meeting, all director nominees were elected, an amendment to the 2016 Employee Stock Purchase Plan was approved to authorize 1,000,000 additional Class A shares, executive compensation for 2024 was approved, and KPMG, LLP was ratified as the independent public accounting firm for 2025.

The most recent analyst rating on ($CRD.A) stock is a Buy with a $12.00 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 Q1 2025 Financial Growth

Crawford & Company reported its first quarter 2025 financial results, showing a 3% increase in revenues to $312.0 million and a significant rise in net income to $6.7 million compared to the previous year. The company experienced growth across its segments, with notable improvements in operating earnings and margins, particularly in its International Operations and Platform Solutions segments. Despite a slight decrease in Platform Solutions revenue, profitability improved due to operational efficiencies. The company also highlighted ongoing investments in talent and strategies to enhance liquidity and strengthen its balance sheet.