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

• Market Cap: $512.29M
• Dividend Yield: 2.69%
• Average Volume (3M): 6.12K
• Price to Earnings (P/E): 16.5
• Beta (1Y): 1.12
• Revenue Growth: 4.44%
• EPS Growth: 33.61%
• Country: US
• Employees: 9,134
• Sector: Financial
• Sector Strength: 75
• Industry: Insurance - Brokers
• EPS (TTM): 0.21
• Shares Outstanding: 19,144,928
• 10 Day Avg. Volume: 2,746
• 30 Day Avg. Volume: 6,123
• PEG Ratio: 1.14
• Price to Book (P/B): 7.12
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 20.04
• Enterprise Value/Market Cap: 1.64
• Enterprise Value/Revenue: 0.16
• Enterprise Value/Gross Profit: 1.39
• Enterprise Value/Ebitda: 2.26
• 1Y Price Target: $11.00
• Price Target Upside: 4.76% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 70 Outperform
• Price Target: $11.50 ▲(9.52%Upside)

The overall stock score of Crawford & Company B is driven primarily by its solid financial performance, despite some concerns about high leverage and profitability margins. Technical analysis indicates positive momentum, and valuation metrics suggest the stock is fairly valued with an attractive dividend yield.

Positive Factors

International Growth

The turnaround in international continues, with the segment posting 16% growth and over 500 basis points of margin improvement in the quarter.

Outlook and Investment

The outlook remains favorable as Crawford continues to invest in the business.

Revenue Growth

Strong revenue growth in weather-related lines and improving operating margins allowed first-quarter operating EPS to grow 60% year-over-year.

Negative Factors

Full Year Margin Performance

Margins in the weather-related segments performed well in the quarter but are down for the full year, as Crawford maintains staffing levels to be able to respond quickly to events when they occur.

Segment Performance

Broadspire took a step back from a growth and margin perspective, although this is expected to be temporary.

Crawford & Company B Business Overview & Revenue Model

Company Description

Crawford & Company B (CRD.B) is a leading global provider of claims management solutions, specializing in a wide range of services for the insurance and risk management sectors. The company offers comprehensive claims administration, business process outsourcing, and consulting services to insurance companies, self-insured entities, and government agencies. With a strong presence across multiple continents, Crawford & Company is dedicated to delivering innovative solutions that optimize the claims process and enhance customer satisfaction.

How the Company Makes Money

Crawford & Company generates revenue primarily through its claims management and administration services. The company earns fees for handling insurance claims from start to finish, which includes assessing damages, processing claims, and ensuring proper settlement. Key revenue streams include third-party administration services for workers' compensation and liability claims, catastrophe response services, and consulting for risk management. Additionally, Crawford & Company benefits from strategic partnerships with insurance carriers and other entities that require efficient claims processing solutions. The company's technology-driven approach and global network of professionals contribute significantly to its earnings by streamlining operations and improving client outcomes.

Crawford & Company B Financial Statement Overview

Summary

Crawford & Company B exhibits stable revenue growth and improved operational efficiency. However, the high reliance on debt financing poses a potential risk, and profitability margins could be enhanced. The company's cash flow management is strong, although cash flow growth remains inconsistent.

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
EBITDA	107.52M	102.91M	88.26M	73.93M	99.17M
Net Income	26.60M	30.61M	-18.53M	30.69M	28.30M
Balance Sheet
Total Assets	803.75M	799.20M	791.51M	852.64M	752.98M
Cash, Cash Equivalents and Short-Term Investments	55.41M	58.36M	46.01M	53.23M	44.66M
Total Debt	309.49M	311.53M	346.40M	288.67M	239.57M
Total Liabilities	648.20M	659.37M	668.13M	641.24M	566.06M
Stockholders Equity	157.21M	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: 10.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 10.5 is above the 20-day moving average (MA) of 10.40, above the 50-day MA of 10.24, and below the 200-day MA of 10.84, indicating a bearish trend. The MACD of 0.03 indicates Positive momentum. The RSI at 47.09 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 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
CRD.B	70 Outperform	$512.29M	16.53	19.94%	2.69%	4.44%	33.61%
Sector *	68 Neutral	$17.09B	11.26	9.71%	3.70%	11.16%	-4.08%
CRD.A	61 Neutral	$512.29M	17.17	19.94%	2.66%	4.44%	33.61%
SLQT	58 Neutral	$335.08M	―	0.82%	―	20.41%	93.09%
EHTH	57 Neutral	$116.45M	―	3.19%	―	17.04%	74.07%
HUIZ	53 Neutral	$26.69M	11.44	-3.92%	―	0.48%	-127.19%
GOCO	53 Neutral	$66.69M	―	0.80%	―	13.18%	97.01%