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

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

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Crawford & Company B

(NYSE:CRD.B)

Rating:68Neutral
Price Target:
$11.50
▲(10.15%Upside)
Crawford & Company B demonstrates a solid financial foundation with growing revenues and operational efficiency but faces challenges due to its high debt levels. Technical indicators point to a positive short-term trend, while its valuation metrics present a balanced view for potential investors. The absence of recent guidance or notable corporate events means these aspects do not influence the current evaluation.
Positive Factors
International Performance
The turnaround in international continues, with the segment posting 6% growth and nearly doubling its margin year-over-year.
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
Broadspire Performance
Broadspire took a step back from a growth and margin perspective, although this is expected to be temporary.
Weather-Related Margins
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.

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

Crawford & Company B Business Overview & Revenue Model

Company DescriptionCrawford & 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 MoneyCrawford & 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 shows stable revenue growth and improved operational efficiency. The company demonstrates strong cash flow management, though growth is inconsistent. High debt levels and low net profit margins remain concerns.
Income Statement
70
Positive
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
60
Neutral
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
65
Positive
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.
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 B Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price10.44
Price Trends
50DMA
10.24
Positive
100DMA
10.61
Negative
200DMA
10.87
Negative
Market Momentum
MACD
0.06
Negative
RSI
51.57
Neutral
STOCH
66.36
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRD.B, the sentiment is Neutral. The current price of 10.44 is above the 20-day moving average (MA) of 10.13, above the 50-day MA of 10.24, and below the 200-day MA of 10.87, indicating a neutral trend. The MACD of 0.06 indicates Negative momentum. The RSI at 51.57 is Neutral, neither overbought nor oversold. The STOCH value of 66.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CRD.B.

Crawford & Company B Risk Analysis

Crawford & Company B disclosed 23 risk factors in its most recent earnings report. Crawford & Company B 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 B Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$527.21M17.0519.94%2.71%4.44%33.61%
67
Neutral
$16.89B11.799.73%3.75%11.97%-8.33%
58
Neutral
$411.08M0.82%20.41%93.09%
58
Neutral
$411.08M0.82%20.41%93.09%
56
Neutral
$125.55M3.19%17.04%74.07%
56
Neutral
$125.55M3.19%17.04%74.07%
55
Neutral
$524.42M17.6219.94%2.59%4.44%33.61%
55
Neutral
$524.42M17.6219.94%2.59%4.44%33.61%
48
Neutral
$67.14M0.80%13.18%97.01%
48
Neutral
$67.14M0.80%13.18%97.01%
47
Neutral
$20.49M11.44-3.92%0.48%-127.19%
47
Neutral
$20.49M11.44-3.92%0.48%-127.19%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CRD.B
Crawford & Company B
10.44
2.48
31.16%
CRD.A
Crawford & Company A
10.80
2.54
30.75%
CRD.A
Crawford & Company A
10.80
2.54
30.75%
EHTH
Ehealth
4.14
-0.20
-4.61%
EHTH
Ehealth
4.14
-0.20
-4.61%
HUIZ
Huize Holding
2.06
-2.96
-58.96%
HUIZ
Huize Holding
2.06
-2.96
-58.96%
SLQT
SelectQuote
2.38
-0.72
-23.23%
SLQT
SelectQuote
2.38
-0.72
-23.23%
GOCO
GoHealth
6.04
-4.21
-41.07%
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 01, 2025