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

• Market Cap: $536.24M
• Dividend Yield: 2.47%
• Average Volume (3M): 4.97K
• Price to Earnings (P/E): 16.3
• Beta (1Y): 1.07
• Revenue Growth: 4.39%
• EPS Growth: 61.61%
• Country: US
• Employees: 9,134
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): 0.32
• Shares Outstanding: 19,118,702
• 10 Day Avg. Volume: 4,431
• 30 Day Avg. Volume: 4,969
• PEG Ratio: -1.49
• Price to Book (P/B): 3.61
• Price to Sales (P/S): 0.42
• P/FCF Ratio: 56.92
• Enterprise Value/Market Cap: 1.43
• Enterprise Value/Revenue: 0.57
• Enterprise Value/Gross Profit: 2.03
• Enterprise Value/Ebitda: 7.17
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $11.00 ▲(1.10% Upside)

Crawford & Company B's overall stock score is driven by strong cash flow performance and positive technical indicators. The company's stable financial performance, despite some concerns about revenue growth and historical leverage, supports a solid valuation. The absence of earnings call and corporate events data limits further insights.

Positive Factors

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, allowing the company to invest in growth opportunities and manage debt effectively.

Leverage Improvement

Reduced leverage indicates better financial health, lowering risk and potentially improving credit terms, which supports long-term stability.

Profitability

Consistent profitability margins demonstrate operational efficiency and the ability to sustain earnings, supporting long-term business viability.

Negative Factors

Revenue Growth Decline

Declining revenue growth may signal challenges in market expansion or competitive pressures, potentially impacting future earnings capacity.

Historical High Debt Levels

Historical high debt levels, despite recent improvements, can pose risks if financial conditions change, potentially affecting future borrowing costs.

Operational Efficiency Concerns

Moderate operational efficiency margins suggest there may be room for improvement in cost management and operational processes to enhance profitability.

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 provides claims management services to insurance companies and self-insured entities risk including property, public liability, automobile, and marine insurances. Its Crawford TPA Solutions segment provides claims and risk management services for corporations in the self-insured or commercially-insured marketplace; desktop claim adjusting and claims evaluation services; initial loss reporting services for claimants; and loss mitigation and risk management information services, as well as administers loss funds established to pay claims. This segment also offers third party administration for workers' compensation, auto and liability, disability absence and medical management, and accident and health products. The company's Crawford Platform Solutions segment offers insurance through service lines, such as Contractor Connection and Networks, including losses caused by natural disasters, such as fires, hailstorms, hurricanes, earthquakes, floods, as well as man-made disasters, such as oil spills, and chemical releases. It also provides customer-centric solutions for various loss types comprising high-frequency and low-complexity claims to large complex repairs; and outsourced contractor management services to personal and commercial insurance carriers and consumer markets. The company was founded in 1941 and is headquartered in Atlanta, Georgia.

How the Company Makes Money

Crawford & Company generates revenue primarily through its service offerings in claims management and related areas. The company earns money by charging fees for its claims adjusting services, which involve investigating, evaluating, and settling insurance claims on behalf of insurers. Additionally, Crawford provides third-party administration services, where it manages claims processes for clients, earning administrative fees. The company also benefits from partnerships with insurance companies and corporations, which can provide a steady stream of business. Furthermore, Crawford's involvement in specialized services, such as disaster recovery and risk management consulting, contributes to its revenue streams, allowing it to capitalize on various market needs and trends.

Crawford & Company B Financial Statement Overview

Summary

Crawford & Company B demonstrates stable financial performance with consistent profitability, despite a recent decline in revenue growth. The balance sheet shows improved leverage, though historical high debt levels pose potential risks. The cash flow statement is strong, with impressive free cash flow growth, indicating good liquidity and financial health.

Income Statement

Crawford & Company B shows a mixed performance in its income statement. The TTM data indicates a slight decline in revenue growth rate at -0.73%, which is concerning. However, the company maintains a stable net profit margin of 2.42% and a gross profit margin of 21.00%. The EBIT and EBITDA margins are moderate at 3.79% and 5.92%, respectively, indicating reasonable operational efficiency. While the revenue growth is a concern, the company has managed to maintain profitability.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio in previous years, although it has improved to 0.00 in the TTM period, suggesting a reduction in leverage. Return on equity is strong at 26.36%, indicating effective use of equity to generate profits. However, the equity ratio is not explicitly provided, which limits a full assessment of financial stability. The improvement in leverage is a positive sign, but historical high leverage poses a potential risk.

Cash Flow

The cash flow statement shows a robust free cash flow growth rate of 40.3% in the TTM period, indicating strong cash generation capabilities. The operating cash flow to net income ratio is 0.34, and the free cash flow to net income ratio is 0.88, both suggesting efficient cash conversion. The significant improvement in free cash flow growth is a strong positive, enhancing the company's financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.34B	1.34B	1.32B	1.23B	1.14B	1.02B
Gross Profit	377.11M	367.55M	359.07M	306.35M	291.80M	278.88M
EBITDA	107.05M	97.61M	102.91M	52.11M	91.02M	100.03M
Net Income	32.60M	26.60M	30.61M	-18.30M	30.69M	28.30M
Balance Sheet
Total Assets	799.84M	803.75M	799.20M	791.51M	852.64M	752.98M
Cash, Cash Equivalents and Short-Term Investments	68.77M	55.41M	58.36M	46.01M	53.23M	44.66M
Total Debt	305.56M	309.49M	311.53M	346.40M	288.67M	239.57M
Total Liabilities	614.16M	648.20M	659.37M	668.13M	641.24M	566.06M
Stockholders Equity	187.32M	157.21M	141.62M	124.54M	211.97M	186.94M
Cash Flow
Free Cash Flow	67.94M	9.97M	67.19M	-6.96M	23.37M	55.80M
Operating Cash Flow	92.24M	51.62M	103.79M	27.63M	54.32M	93.18M
Investing Cash Flow	-37.45M	-41.65M	-36.60M	-57.88M	-70.83M	-27.04M
Financing Cash Flow	-39.98M	-12.86M	-54.68M	25.94M	24.66M	-74.37M

Crawford & Company B Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.88
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 10.88 is above the 20-day moving average (MA) of 10.71, above the 50-day MA of 10.52, and above the 200-day MA of 10.15, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 51.03 is Neutral, neither overbought nor oversold. The STOCH value of 68.94 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CRD.B	67 Neutral	$536.24M	16.30	18.72%	2.47%	4.39%	61.61%
CRD.A	67 Neutral	$536.24M	16.95	18.72%	2.47%	4.39%	61.61%
EHTH	58 Neutral	$118.14M	98.65	5.88%	―	16.79%	―
SLQT	54 Neutral	$293.87M	-53.85	15.11%	―	13.16%	―
GOCO	44 Neutral	$38.62M	-0.16	-142.05%	―	7.56%	-344.04%
TIRX	43 Neutral	$12.27M	-0.11	-11.18%	―	624.24%	85.46%