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

• Market Cap: $498.16M
• Dividend Yield: 2.81%
• Average Volume (3M): 6.30K
• Price to Earnings (P/E): 18.6
• Beta (1Y): 1.11
• Revenue Growth: 2.79%
• EPS Growth: -13.37%
• Country: US
• Employees: 9,438
• Sector: Financial
• Sector Strength: 81
• Industry: Insurance - Brokers
• EPS (TTM): 0.54
• Shares Outstanding: 19,144,928
• 10 Day Avg. Volume: 4,660
• 30 Day Avg. Volume: 6,299
• PEG Ratio: 1.67
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.41
• Price to Cash Flow (P/CF): 3.40
• P/FCF Ratio: 3.40
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $14.00
• Price Target Upside: 40.42% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

Crawford & Company B's strengths lie in its stable revenue growth and strong cash flow management. However, the high debt levels and relatively low profitability margins are concerns. The technical indicators suggest a neutral to slightly bearish outlook, and the valuation appears high, though the dividend yield is a positive aspect for investors.

Crawford & Company B Business Overview & Revenue Model

Company Description

Crawford & Company (CRD.B) is a leading global provider of claims management and outsourcing solutions to insurance companies and self-insured entities. Established in 1941, the company operates across various sectors, including property and casualty insurance, workers' compensation, and legal settlement administration. Crawford & Company offers a range of services such as claims administration, loss adjusting, managed repair, and consulting services, leveraging technology and expertise to deliver efficient and effective solutions to its clients worldwide.

How the Company Makes Money

Crawford & Company generates revenue primarily through fees for services provided in the claims management and outsourcing industry. Its key revenue streams include claims management services, which involve handling and adjusting insurance claims on behalf of insurers and self-insured entities, and global technical services, which provide specialized expertise for complex or large-scale claims. The company also earns revenue through managed repair services, which involve coordinating and overseeing repairs to damaged properties. Additionally, Crawford & Company benefits from strategic partnerships and collaborations with insurance carriers and other industry stakeholders, enhancing its service offerings and expanding its market reach. Factors such as the frequency and severity of insured losses and the overall demand for outsourcing in the insurance industry significantly influence its earnings.

Crawford & Company B Financial Statement Overview

Summary

Crawford & Company B shows stable revenue growth and improved operational efficiency. However, the high debt reliance poses a risk, and profitability margins need improvement. Cash flow management is strong, despite inconsistent growth.

Income Statement

Crawford & Company B has shown consistent revenue growth over the years, with a notable increase in 2024. The EBIT margin has improved significantly, indicating better operational efficiency. However, the net profit margin is relatively low, suggesting that expenses or other costs are impacting net income.

Balance Sheet

The company's debt-to-equity ratio is high, which could indicate potential leverage risk. The return on equity has fluctuated, but there is a positive trend in recent years. The equity ratio is low, pointing to a high reliance on debt for financing.

Cash Flow

Operating cash flow has been positive, providing a good cushion for the company. However, free cash flow growth has been volatile. The operating cash flow to net income ratio is healthy, indicating good cash generation relative to net profits.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
1.34B	1.27B	1.23B	1.14B	1.02B
	Gross Profit
367.55M	359.07M	306.35M	291.80M	278.88M
	EBIT
3.44M	67.82M	52.16M	50.42M	59.05M
	EBITDA
97.61M	102.91M	88.26M	73.93M	99.17M
	Net Income Common Stockholders
26.60M	30.61M	-18.53M	30.69M	28.30M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
55.41M	58.36M	46.01M	53.23M	44.66M
	Total Assets
803.75M	799.20M	791.51M	852.64M	752.98M
	Total Debt
309.49M	311.53M	346.40M	288.67M	239.57M
	Net Debt
254.08M	253.16M	300.39M	235.44M	194.91M
	Total Liabilities
648.20M	659.37M	668.13M	641.24M	566.06M
	Stockholders Equity
70.09M	141.62M	124.54M	211.97M	186.94M
Cash Flow		Free Cash Flow
9.97M	67.19M	-6.96M	23.37M	55.80M
	Operating Cash Flow
51.62M	103.79M	27.63M	54.32M	93.18M
	Investing Cash Flow
-41.65M	-36.60M	-57.88M	-70.83M	-27.04M
	Financing Cash Flow
-12.86M	-54.68M	25.94M	24.66M	-74.37M

Crawford & Company B Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 9.97
• 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.B, the sentiment is Negative. The current price of 9.97 is below the 20-day moving average (MA) of 10.87, below the 50-day MA of 11.40, and below the 200-day MA of 10.60, indicating a bearish trend. The MACD of -0.08 indicates Negative momentum. The RSI at 52.87 is Neutral, neither overbought nor oversold. The STOCH value of 73.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CRD.B.

Crawford & Company B Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AJG	79 Outperform	$81.64B	49.11	9.46%	0.77%	15.21%	46.99%
BRO	76 Outperform	$32.97B	33.30	16.35%	0.49%	12.89%	13.50%
MMC	76 Outperform	$113.47B	28.12	31.80%	1.37%	7.60%	8.66%
RGA	75 Outperform	$11.38B	16.09	7.21%	2.04%	19.29%	-19.91%
AON	73 Outperform	$81.16B	30.09	100.25%	0.72%	17.51%	1.31%
Sector *	63 Neutral	$12.88B	9.21	9.18%	4.78%	16.30%	-8.66%
CRD.B	61 Neutral	$498.16M	18.65	17.80%	2.81%	2.79%	-13.37%