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

• Market Cap: $524.42M
• Dividend Yield: 2.59%
• Average Volume (3M): 60.47K
• Price to Earnings (P/E): 17.6
• Beta (1Y): 1.07
• Revenue Growth: 4.44%
• EPS Growth: 33.61%
• Country: US
• Employees: 9,134
• Sector: Financial
• Sector Strength: 82
• Industry: Insurance - Brokers
• EPS (TTM): 0.21
• Shares Outstanding: 30,308,750
• 10 Day Avg. Volume: 65,073
• 30 Day Avg. Volume: 60,471
• 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: 29.75% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 66 Neutral
• 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 Business Overview & Revenue Model

Company Description

Crawford & 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 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
EBITDA	87.37M	107.52M	102.91M	88.26M	73.93M	99.17M
Net Income	30.44M	26.60M	30.61M	-18.53M	30.69M	28.30M
Balance Sheet
Total Assets	0.00	803.75M	799.20M	791.51M	852.64M	752.98M
Cash, Cash Equivalents and Short-Term Investments	0.00	55.41M	58.36M	46.01M	53.23M	44.66M
Total Debt	331.41M	309.49M	311.53M	346.40M	288.67M	239.57M
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: Positive
• Last Price: 10.79
• 50DMA: Positive
• 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 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ERIE	72 Outperform	$16.16B	29.76	32.38%	1.57%	15.05%	26.80%
BRO	70 Outperform	$35.42B	30.30	16.18%	0.55%	12.57%	10.52%
BRO	70 Outperform	$35.42B	30.30	16.18%	0.55%	12.57%	10.52%
CRVL	69 Neutral	$5.29B	56.20	33.41%	―	12.61%	24.78%
CRD.B	68 Neutral	$524.42M	16.84	19.94%	2.71%	4.44%	33.61%
Sector *	67 Neutral	$17.07B	11.91	9.69%	3.75%	11.66%	-9.47%
CRD.A	66 Neutral	$524.42M	17.62	19.94%	2.59%	4.44%	33.61%
WTW	65 Neutral	$30.40B	―	-0.60%	1.20%	2.42%	-103.64%

Crawford & Company A Corporate Events

Crawford & Company President Announces Retirement

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.

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.