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

• Market Cap: $527.04M
• Dividend Yield: 2.64%
• Average Volume (3M): 63.95K
• Price to Earnings (P/E): 18.4
• Beta (1Y): 1.20
• Revenue Growth: 5.58%
• EPS Growth: 28.75%
• Country: US
• Employees: 9,134
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): 0.22
• Shares Outstanding: 30,495,207
• 10 Day Avg. Volume: 60,665
• 30 Day Avg. Volume: 63,952
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.47
• Enterprise Value/Revenue: 0.57
• Enterprise Value/Gross Profit: 2.06
• Enterprise Value/Ebitda: 7.14
• 1Y Price Target: $14.00
• Price Target Upside: 29.51% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: $12.00 ▲(11.01% Upside)

Crawford & Company A's overall score is driven by strong financial performance and fair valuation. The technical indicators suggest a neutral market sentiment. High leverage and low net profit margins are key risks.

Positive Factors

Revenue Growth

Consistent revenue growth indicates robust demand for services and effective market penetration, supporting long-term business expansion.

Cash Generation

Strong cash generation enhances financial flexibility, allowing for strategic investments and debt reduction, bolstering long-term stability.

Operational Efficiency

Operational efficiency through stable margins suggests effective cost control, supporting sustained profitability and competitive positioning.

Negative Factors

High Leverage

High leverage can increase financial risk, potentially impacting the company's ability to invest in growth and weather economic downturns.

Low Net Profit Margins

Low net profit margins may limit reinvestment capacity and shareholder returns, posing challenges to achieving long-term profitability goals.

Leverage Risk

The combination of high leverage and low margins could strain financial resources, affecting the company's ability to sustain growth and manage debt.

Crawford & Company A 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 claims management services, which include adjusting and managing insurance claims for clients. The company charges fees for its services, typically based on the complexity and volume of claims handled. Key revenue streams include fees from property and casualty claims, workers' compensation claims, and specialized services such as fraud detection and risk consulting. Additionally, Crawford & Company has established significant partnerships with insurance carriers and brokers, which contribute to its earnings by providing a steady flow of claims to manage. The company's investment in technology solutions also enhances its service offerings, allowing for greater efficiency and improved client satisfaction, which in turn supports revenue growth.

Crawford & Company A Financial Statement Overview

Summary

Crawford & Company A exhibits strong revenue growth and operational efficiency, with stable gross profit margins. The company is highly leveraged, but maintains a strong return on equity. Cash flow metrics have improved significantly, reflecting enhanced cash generation. However, the low net profit margin and high debt levels present potential risks.

Income Statement

Crawford & Company A has demonstrated consistent revenue growth, with a notable increase in the TTM period. The gross profit margin has remained stable, indicating effective cost management. However, the net profit margin is relatively low, suggesting room for improvement in profitability. The EBIT and EBITDA margins have shown positive trends, reflecting operational efficiency.

Balance Sheet

The company's debt-to-equity ratio is high, indicating significant leverage, which could pose financial risks. However, the return on equity is strong, suggesting effective use of equity to generate profits. The equity ratio is moderate, reflecting a balanced approach to financing assets.

Cash Flow

Crawford & Company A has shown impressive growth in free cash flow in the TTM period, indicating improved cash generation capabilities. The operating cash flow to net income ratio is moderate, suggesting a reasonable conversion of income into cash. The free cash flow to net income ratio is healthy, indicating efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.36B	1.34B	1.27B	1.23B	1.14B	1.02B
Gross Profit	376.73M	367.55M	359.07M	306.35M	291.80M	278.88M
EBITDA	108.89M	97.61M	102.91M	88.26M	73.93M	99.17M
Net Income	29.64M	26.60M	30.61M	-18.53M	30.69M	28.30M
Balance Sheet
Total Assets	799.37M	803.75M	799.20M	791.51M	852.64M	752.98M
Cash, Cash Equivalents and Short-Term Investments	58.92M	55.41M	58.36M	46.01M	53.23M	44.66M
Total Debt	309.49M	309.49M	311.53M	346.40M	288.67M	239.57M
Total Liabilities	624.02M	648.20M	659.37M	668.13M	641.24M	566.06M
Stockholders Equity	176.89M	157.21M	141.62M	124.54M	211.97M	186.94M
Cash Flow
Free Cash Flow	57.76M	9.97M	67.19M	-6.96M	23.37M	55.80M
Operating Cash Flow	80.95M	51.62M	103.79M	27.63M	54.32M	93.18M
Investing Cash Flow	-41.48M	-41.65M	-36.60M	-57.88M	-70.83M	-27.04M
Financing Cash Flow	-29.59M	-12.86M	-54.68M	25.94M	24.66M	-74.37M

Crawford & Company A Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.81
• 50DMA: Positive
• 100DMA: Positive
• 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.A, the sentiment is Positive. The current price of 10.81 is above the 20-day moving average (MA) of 10.80, above the 50-day MA of 10.43, and below the 200-day MA of 10.83, indicating a neutral trend. The MACD of 0.13 indicates Positive momentum. The RSI at 51.16 is Neutral, neither overbought nor oversold. The STOCH value of 58.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CRD.A.

Crawford & Company A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BRO	76 Outperform	30.93B	26.72	15.43%	0.64%	11.68%	-0.17%
ERIE	70 Outperform	14.72B	26.38	30.21%	1.70%	12.19%	17.82%
CRD.B	69 Neutral	527.04M	17.13	16.76%	2.77%	5.58%	28.75%
CRD.A	68 Neutral	$527.04M	18.38	18.06%	2.64%	5.58%	28.75%
CRVL	66 Neutral	4.04B	40.55	29.56%	―	12.46%	29.16%
WTW	65 Neutral	33.35B	236.24	1.69%	1.05%	1.27%	-84.75%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Crawford & Company A Corporate Events

Crawford & Company Reports Q2 2025 Financial Results

Crawford & Company reported its financial results for the second quarter of 2025, showing a 3% increase in revenues to $323.0 million compared to the same period in 2024. Despite a slight decrease in net income, the company increased its quarterly dividend to $0.075, reflecting confidence in its financial trajectory. The company experienced revenue growth in three out of four operating segments, with notable improvements in international operations driven by the UK and Asia. However, the North America Loss Adjusting segment faced revenue pressure due to lower claims frequency in U.S. property. The company is preparing for the second half of 2025, anticipating severe weather activity in the U.S., and aims to leverage its strong balance sheet and liquidity to continue expanding its global business.

The most recent analyst rating on ($CRD.A) stock is a Buy with a $12.00 price target. To see the full list of analyst forecasts on Crawford & Company A stock, see the CRD.A Stock Forecast page.

Crawford & Company President Announces Retirement

On May 20, 2025, Larry C. Thomas, the global president of Platform Solutions at Crawford & Company, announced his retirement effective at the end of the year. Thomas, who joined the company in 1983, played a pivotal role in transforming a small acquisition into Contractor Connection, a key business segment for the company, highlighting his significant impact on its growth and industry positioning.

The most recent analyst rating on ($CRD.A) stock is a Buy with a $12.00 price target. To see the full list of analyst forecasts on Crawford & Company A stock, see the CRD.A Stock Forecast page.