Crawford & Company B (CRD.B)
NYSE:CRD.B
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Crawford & Company B
(NYSE:CRD.B)
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Rating:53Neutral
Price Target:
$10.50
▼(-3.49% Downside)
Action:Reiterated
Date:05/09/26
The score is driven by mixed fundamentals: strong and improving free cash flow supports financial quality, but leverage remains high and the TTM revenue decline with thin net margins is a meaningful risk. Technicals further weigh on the score due to a clear downtrend (price below major moving averages) and negative momentum, while valuation is only moderately supported by the dividend given the P/E level.
Positive Factors
Cash generation
Consistently strong operating and free cash flow, with FCF roughly 5–6x reported net income, provides durable internal funding. This supports dividends, working capital and selective debt paydown, improving resilience through insurance-cycle volatility and funding strategic execution.
Negative Factors
Elevated leverage
Sustained leverage near 1.5x reduces financial flexibility and raises interest expense sensitivity. In a business exposed to claim-volume volatility and catastrophe-driven spikes, higher debt limits capacity to fund surge operations, M&A or prolonged revenue weakness without raising cost of capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
Consistently strong operating and free cash flow, with FCF roughly 5–6x reported net income, provides durable internal funding. This supports dividends, working capital and selective debt paydown, improving resilience through insurance-cycle volatility and funding strategic execution.
Read all positive factors
Crawford & Company B (CRD.B) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$516.15M
Dividend Yield2.47%
Average Volume (3M)4.97K
Price to Earnings (P/E)29.8
Beta (1Y)0.97
Revenue Growth-3.23%
EPS Growth-41.71%
CountryUS
Employees9,134
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)0.36
Shares Outstanding18,946,274
10 Day Avg. Volume4,431
30 Day Avg. Volume4,969
Financial Highlights & Ratios
PEG Ratio-1.10
Price to Book (P/B)3.22
Price to Sales (P/S)0.42
P/FCF Ratio5.88
Enterprise Value/Market Cap1.42
Enterprise Value/Revenue0.56
Enterprise Value/Gross Profit2.14
Enterprise Value/Ebitda8.26
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.94
Revenue Forecast (FY)$1.28B
Crawford & Company B Business Overview & Revenue Model
Company Description
Crawford & Company provides claims management and outsourcing solutions for carriers, brokers, and corporations in the United States, the United Kingdom, Europe, Canada, Australia, and internationally. The company's Crawford Loss Adjusting provide...
How the Company Makes Money
Crawford & Company primarily makes money by providing fee-based services tied to the handling and administration of insurance claims and related outsourced processes. Key revenue streams generally include: (1) Claims adjusting and claims managemen...
Crawford & Company B Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
45
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.30B | 1.31B | 1.34B | 1.32B | 1.23B | 1.14B |
| Gross Profit | 342.13M | 321.90M | 367.55M | 359.07M | 306.35M | 291.80M |
| EBITDA | 88.46M | 92.62M | 97.61M | 102.91M | 52.11M | 91.02M |
| Net Income | 17.86M | 19.63M | 26.60M | 30.61M | -18.30M | 30.69M |
Balance Sheet | ||||||
| Total Assets | 771.65M | 764.30M | 803.75M | 799.20M | 791.51M | 852.64M |
| Cash, Cash Equivalents and Short-Term Investments | 54.49M | 64.08M | 55.41M | 58.36M | 46.01M | 53.23M |
| Total Debt | 271.10M | 270.27M | 309.49M | 311.53M | 346.40M | 288.67M |
| Total Liabilities | 597.19M | 592.87M | 648.20M | 659.37M | 668.13M | 641.24M |
| Stockholders Equity | 176.27M | 173.09M | 157.21M | 141.62M | 124.54M | 211.97M |
Cash Flow | ||||||
| Free Cash Flow | 103.14M | 94.83M | 9.97M | 67.19M | -6.96M | 23.37M |
| Operating Cash Flow | 117.02M | 101.85M | 51.62M | 103.79M | 27.63M | 54.32M |
| Investing Cash Flow | -34.95M | -36.21M | -41.65M | -36.60M | -57.88M | -70.83M |
| Financing Cash Flow | -77.20M | -57.62M | -12.86M | -54.68M | 25.94M | 24.66M |
Crawford & Company B Technical Analysis
Positive
10.88
Price Trends
9.85
Positive
10.00
Positive
10.06
Positive
Market Momentum
0.11
Negative
55.24
Neutral
63.13
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRD.B, the sentiment is Positive. The current price of 10.88 is above the 20-day moving average (MA) of 9.68, above the 50-day MA of 9.85, and above the 200-day MA of 10.06, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 55.24 is Neutral, neither overbought nor oversold. The STOCH value of 63.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CRD.B.
Crawford & Company B Risk Analysis
Crawford & Company B disclosed 24 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $185.17M | 2.08 | 15.28% | ― | 10.29% | ― | |
59 Neutral | $49.20M | 1.43 | 3.57% | ― | -4.28% | -1.93% | |
55 Neutral | $516.15M | 29.81 | 10.01% | 2.47% | -3.23% | -41.71% | |
53 Neutral | $516.15M | 29.81 | 10.01% | 2.47% | -3.23% | -41.71% | |
40 Underperform | $21.71M | -0.04 | -135.15% | ― | -81.69% | -9884.70% |
* Financial Sector Average
CRD.B
Crawford & Company B
10.07
0.47
4.95%
CRD.A
Crawford & Company A
10.92
0.75
7.40%
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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.