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Crawford & Company A (CRD.A)
NYSE:CRD.A

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

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Crawford & Company A

(NYSE:CRD.A)

Rating:66Neutral
Price Target:
$11.50
▲(6.58%Upside)
Crawford & Company A's overall score reflects solid revenue growth and strategic corporate appointments, offset by profitability challenges and high leverage. Technical stability and fair valuation provide a balanced outlook, though attention to profitability and leverage is necessary for long-term strength.
Positive Factors
International Operations
The International Operations segment continued its track record of solid growth, with Q1/25 revenue increasing 9.5% year-over-year in constant-currency.
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.
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.
Segment Revenue
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.

Crawford & Company A (CRD.A) vs. SPDR S&P 500 ETF (SPY)

Crawford & Company A Business Overview & Revenue Model

Company DescriptionCrawford & Company (CRD.A) is a global leader in claims management solutions, providing services primarily to insurance companies, brokers, and corporations. Established in 1941, the company operates in multiple sectors, including property and casualty claims management, workers' compensation claims, and legal settlement administration. Crawford & Company has a comprehensive suite of services that cover various aspects of claims management, from loss adjusting and managed repair to medical management and catastrophe response.
How the Company Makes MoneyCrawford & 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
70
Positive
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
55
Neutral
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
60
Neutral
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue1.35B1.34B1.27B1.23B1.14B1.02B
Gross Profit602.58M367.55M359.07M306.35M291.80M278.88M
EBITDA87.37M107.52M102.91M88.26M73.93M99.17M
Net Income30.44M26.60M30.61M-18.53M30.69M28.30M
Balance Sheet
Total Assets0.00803.75M799.20M791.51M852.64M752.98M
Cash, Cash Equivalents and Short-Term Investments0.0055.41M58.36M46.01M53.23M44.66M
Total Debt331.41M309.49M311.53M346.40M288.67M239.57M
Total Liabilities633.24M648.20M659.37M668.13M641.24M566.06M
Stockholders Equity72.15M157.21M141.62M124.54M211.97M186.94M
Cash Flow
Free Cash Flow25.40M9.97M67.19M-6.96M23.37M55.80M
Operating Cash Flow57.50M51.62M103.79M27.63M54.32M93.18M
Investing Cash Flow-41.21M-41.65M-36.60M-57.88M-70.83M-27.04M
Financing Cash Flow-3.92M-12.86M-54.68M25.94M24.66M-74.37M

Crawford & Company A Technical Analysis

Technical Analysis Sentiment
Positive
Last Price10.79
Price Trends
50DMA
10.68
Positive
100DMA
10.92
Negative
200DMA
11.11
Negative
Market Momentum
MACD
0.02
Negative
RSI
54.28
Neutral
STOCH
58.88
Neutral
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 10.79 is above the 20-day moving average (MA) of 10.55, above the 50-day MA of 10.68, and below the 200-day MA of 11.11, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 54.28 is Neutral, neither overbought nor oversold. The STOCH value of 58.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CRD.A.

Crawford & Company A Risk Analysis

Crawford & Company A disclosed 23 risk factors in its most recent earnings report. Crawford & Company A reported the most risks in the "Production" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Crawford & Company A Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
$16.16B29.7632.38%1.57%15.05%26.80%
BRBRO
70
Outperform
$35.42B30.3016.18%0.55%12.57%10.52%
BRBRO
70
Outperform
$35.42B30.3016.18%0.55%12.57%10.52%
69
Neutral
$5.29B56.2033.41%12.61%24.78%
68
Neutral
$524.42M16.8419.94%2.71%4.44%33.61%
67
Neutral
$17.07B11.919.69%3.75%11.66%-9.47%
66
Neutral
$524.42M17.6219.94%2.59%4.44%33.61%
WTWTW
65
Neutral
$30.40B-0.60%1.20%2.42%-103.64%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CRD.A
Crawford & Company A
10.79
2.37
28.15%
BRO
Brown & Brown
108.70
18.62
20.67%
BRO
Brown & Brown
108.70
18.62
20.67%
CRVL
CorVel
102.85
17.45
20.43%
ERIE
Erie Indemnity Company
346.94
-17.52
-4.81%
WTW
Willis Towers Watson
306.64
49.89
19.43%
CRD.B
Crawford & Company B
10.31
2.28
28.39%

Crawford & Company A Corporate Events

Executive/Board Changes
Crawford & Company President Announces Retirement
Neutral
Jun 30, 2025

On May 20, 2025, Larry C. Thomas, the global president of Platform Solutions at Crawford & Company, announced his retirement effective at the end of the year. Thomas, who joined the company in 1983, played a pivotal role in transforming a small acquisition into Contractor Connection, a key business segment for the company, highlighting his significant impact on its growth and industry positioning.

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.

Executive/Board ChangesBusiness Operations and Strategy
Crawford & Company Appoints Amy T. Shore as Director
Positive
Jun 11, 2025

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.

Shareholder Meetings
Crawford & Company Approves Key Proposals at Shareholder Meeting
Neutral
May 13, 2025

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.

Business Operations and StrategyFinancial Disclosures
Crawford & Company Reports Q1 2025 Financial Growth
Positive
May 5, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 02, 2025