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

• Market Cap: $529.46M
• Dividend Yield: 2.57%
• Average Volume (3M): 56.86K
• Price to Earnings (P/E): 16.9
• Beta (1Y): 1.12
• 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: 1.47
• Enterprise Value/Revenue: 0.58
• Enterprise Value/Gross Profit: 2.06
• Enterprise Value/Ebitda: 7.26
• 1Y Price Target: $14.00
• Price Target Upside: 24.00% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $12.00 ▲(6.29% Upside)

Crawford & Company A's overall stock score is driven by a stable financial performance with strong cash flow generation and a reasonable valuation. The recent corporate actions, including the share repurchase program and dividend declaration, further enhance investor confidence. However, the high financial leverage and moderate technical indicators suggest a cautious approach.

Positive Factors

Cash Flow Generation

Strong cash flow generation supports liquidity and operational needs, ensuring the company can invest in growth and manage obligations effectively.

Leadership Transition

The leadership transition to an experienced internal candidate ensures continuity in strategic priorities and growth trajectory, maintaining market confidence.

Share Repurchase Program

Expanding the share repurchase program reflects confidence in financial health and can enhance shareholder value by reducing share count.

Negative Factors

Revenue Growth Challenges

Declining revenue growth can hinder long-term expansion and market competitiveness, necessitating strategic adjustments to drive future growth.

High Financial Leverage

High leverage poses financial risk, potentially limiting flexibility and increasing vulnerability to economic downturns.

Gross Profit Margin Pressure

Decreasing gross margins suggest rising costs or pricing pressures, which can impact profitability if not managed effectively.

Crawford & Company A Business Overview & Revenue Model

Company Description

Crawford & Company A (CRD.A) is a global leader in providing claims management solutions and risk management services. The company operates primarily in the insurance industry, offering a wide range of services that include loss adjusting, third-party administration, and managed repair services. With a presence in numerous countries, Crawford & Company serves various sectors, including property, casualty, and workers' compensation, supporting clients through the entire claims process to ensure efficient resolution and customer satisfaction.

How the Company Makes Money

Crawford & Company generates revenue primarily through its claims management services, which encompass loss adjusting and third-party administration fees charged to insurance companies and corporate clients. The company earns money by providing expert assessment and management of insurance claims, often receiving a percentage of the claim value or a flat fee per case. Additional revenue streams include consulting services, risk management, and technology solutions that enhance the claims process. Significant partnerships with major insurance firms and corporations further bolster its revenue, as these relationships often lead to long-term contracts and consistent business. The company's diverse service offerings and geographic reach contribute to its financial stability and 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	1.34B	1.34B	1.32B	1.23B	1.14B	1.02B
Gross Profit	377.11M	367.55M	359.07M	306.35M	291.80M	278.88M
EBITDA	107.05M	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	67.94M	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: 11.29
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 Positive. The current price of 11.29 is above the 20-day moving average (MA) of 11.03, above the 50-day MA of 10.90, and above the 200-day MA of 10.62, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 57.31 is Neutral, neither overbought nor oversold. The STOCH value of 56.89 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
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%	2.54%	4.39%	61.61%
CRD.A	67 Neutral	$529.46M	16.86	18.72%	2.57%	4.39%	61.61%
EHTH	56 Neutral	$125.21M	121.29	5.88%	―	16.79%	―
SLQT	50 Neutral	$244.60M	―	15.11%	―	13.16%	―
TIRX	43 Neutral	$26.98M	-1.75	-11.18%	―	624.24%	85.46%
GOCO	41 Neutral	$48.76M	―	-142.05%	―	7.56%	-344.04%

Crawford & Company A Corporate Events

Crawford & Company Announces CEO Resignation and Transition

On November 19, 2025, Crawford & Company announced that Rohit Verma, its President and CEO, will resign effective December 31, 2025, to pursue a new opportunity. William Bruce Swain, Jr., the current Executive Vice President and CFO, will assume the role of interim President and CEO on January 1, 2026. Holly Boudreau will succeed Swain as CFO. This leadership transition occurs as Crawford continues to maintain a strong market position, supported by a solid financial foundation and a global network, ensuring the company’s strategic priorities and growth trajectory remain on track.

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.

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.