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

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CRD.B

Crawford & Company B

(NYSE:CRD.B)

Rating:70Outperform
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 (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 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
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue1.34B1.27B1.23B1.14B1.02B
Gross Profit367.55M359.07M306.35M291.80M278.88M
EBITDA107.52M102.91M88.26M73.93M99.17M
Net Income26.60M30.61M-18.53M30.69M28.30M
Balance Sheet
Total Assets803.75M799.20M791.51M852.64M752.98M
Cash, Cash Equivalents and Short-Term Investments55.41M58.36M46.01M53.23M44.66M
Total Debt309.49M311.53M346.40M288.67M239.57M
Total Liabilities648.20M659.37M668.13M641.24M566.06M
Stockholders Equity157.21M141.62M124.54M211.97M186.94M
Cash Flow
Free Cash Flow9.97M67.19M-6.96M23.37M55.80M
Operating Cash Flow51.62M103.79M27.63M54.32M93.18M
Investing Cash Flow-41.65M-36.60M-57.88M-70.83M-27.04M
Financing Cash Flow-12.86M-54.68M25.94M24.66M-74.37M

Crawford & Company B Technical Analysis

Technical Analysis Sentiment
Negative
Last Price10.50
Price Trends
50DMA
10.24
Negative
100DMA
10.40
Negative
200DMA
10.84
Negative
Market Momentum
MACD
0.03
Positive
RSI
47.09
Neutral
STOCH
33.33
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 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Outperform
$512.29M16.5319.94%2.69%4.44%33.61%
68
Neutral
$17.09B11.269.71%3.70%11.16%-4.08%
61
Neutral
$512.29M17.1719.94%2.66%4.44%33.61%
58
Neutral
$335.08M0.82%20.41%93.09%
57
Neutral
$116.45M3.19%17.04%74.07%
53
Neutral
$26.69M11.44-3.92%0.48%-127.19%
53
Neutral
$66.69M0.80%13.18%97.01%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CRD.B
Crawford & Company B
10.12
1.46
16.86%
CRD.A
Crawford & Company A
10.51
1.12
11.93%
EHTH
Ehealth
3.92
-1.41
-26.45%
HUIZ
Huize Holding
2.56
-2.12
-45.30%
SLQT
SelectQuote
1.94
-2.15
-52.57%
GOCO
GoHealth
6.00
-6.80
-53.13%
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 26, 2025