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Crawford & Company B
(NYSE:CRD.B)
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Rating:62Neutral
Price Target:
$12.50
▲(6.11% Upside)
Action:Reiterated
Date:09/19/26
CRD.B scores moderately overall: supportive technical momentum and solid absolute cash generation are offset by a sharp TTM revenue decline and notable margin compression, with valuation (P/E ~25.7) appearing relatively rich given the recent fundamental pressure.
Positive Factors
Strong Cash Generation
Healthy operating and free cash flow provides internal funding for operations, debt service, and selective investment. FCF that closely tracks earnings also supports confidence that reported profitability is converting into usable cash, although recent volatility warrants monitoring.
Negative Factors
Sharp Revenue Decline
A steep top-line contraction weakens the foundation for sustainable earnings growth and may reduce operating leverage across the claims-services platform. Unless revenue stabilizes, Crawford has less scale to support staffing, technology investment, and the fixed costs required to serve large clients.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Cash Generation
Healthy operating and free cash flow provides internal funding for operations, debt service, and selective investment. FCF that closely tracks earnings also supports confidence that reported profitability is converting into usable cash, although recent volatility warrants monitoring.
Read all positive factors
Crawford & Company B (CRD.B) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$582.90M
Dividend Yield2.52%
Average Volume (3M)31.70K
Price to Earnings (P/E)26.3
Beta (1Y)0.87
Revenue Growth-4.12%
EPS Growth-20.24%
CountryUS
Employees9,943
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)0.48
Shares Outstanding18,904,905
10 Day Avg. Volume10,313
30 Day Avg. Volume31,701
Financial Highlights & Ratios
PEG Ratio-1.08
Price to Book (P/B)3.22
Price to Sales (P/S)0.42
P/FCF Ratio5.88
Enterprise Value/Market Cap1.21
Enterprise Value/Revenue0.55
Enterprise Value/Gross Profit2.15
Enterprise Value/Ebitda7.58
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.96
Revenue Forecast (FY)$1.28B
Crawford & Company B Business Overview & Revenue Model
Company Description
Crawford & Company operates as a global provider of claims management and outsourcing solutions for insurance carriers, brokers, and various corporations. The company's reach extends across the United States, the United Kingdom, Europe, Canada, Au...
How the Company Makes Money
Crawford & Company makes money primarily by providing fee-based services tied to the insurance claims lifecycle and related outsourced business processes. Its core revenue model is service revenue (not underwriting insurance risk), earned by perfo...
Crawford & Company B Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
56
Neutral
Cash Flow
64
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.29B | 1.31B | 1.34B | 1.32B | 1.23B | 1.14B |
| Gross Profit | 328.33M | 321.90M | 367.55M | 359.07M | 306.35M | 291.80M |
| EBITDA | 93.08M | 92.62M | 97.61M | 102.91M | 52.11M | 91.02M |
| Net Income | 23.52M | 19.63M | 26.60M | 30.61M | -18.30M | 30.69M |
Balance Sheet | ||||||
| Total Assets | 758.25M | 764.30M | 803.75M | 799.20M | 791.51M | 852.64M |
| Cash, Cash Equivalents and Short-Term Investments | 69.42M | 64.08M | 55.41M | 58.36M | 46.01M | 53.23M |
| Total Debt | 270.67M | 270.27M | 309.49M | 311.53M | 346.40M | 288.67M |
| Total Liabilities | 573.73M | 592.87M | 648.20M | 659.37M | 668.13M | 641.24M |
| Stockholders Equity | 186.40M | 173.09M | 157.21M | 141.62M | 124.54M | 211.97M |
Cash Flow | ||||||
| Free Cash Flow | 99.30M | 94.83M | 9.97M | 67.19M | -6.96M | 23.37M |
| Operating Cash Flow | 103.91M | 101.85M | 51.62M | 103.79M | 27.63M | 54.32M |
| Investing Cash Flow | -27.61M | -36.21M | -41.65M | -36.60M | -57.88M | -70.83M |
| Financing Cash Flow | -61.15M | -57.62M | -12.86M | -54.68M | 25.94M | 24.66M |
Crawford & Company B Technical Analysis
Positive
11.78
Price Trends
11.99
Positive
11.11
Positive
10.53
Positive
Market Momentum
0.06
Positive
52.83
Neutral
59.70
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 11.78 is below the 20-day moving average (MA) of 12.02, below the 50-day MA of 11.99, and above the 200-day MA of 10.53, indicating a bullish trend. The MACD of 0.06 indicates Positive momentum. The RSI at 52.83 is Neutral, neither overbought nor oversold. The STOCH value of 59.70 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $84.25B | 21.56 | 26.53% | 2.14% | 8.47% | -2.13% | |
78 Outperform | $3.94B | 35.03 | 29.93% | ― | 7.09% | 14.95% | |
77 Outperform | $27.72B | 18.21 | 19.95% | 1.28% | 3.00% | 914.66% | |
76 Outperform | $59.95B | 38.18 | 6.67% | 1.18% | 26.74% | -9.60% | |
72 Outperform | $58.29B | 15.06 | 42.56% | 1.16% | 4.36% | 51.69% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $582.90M | 26.27 | 13.01% | 2.52% | -4.12% | -20.24% |
* Financial Sector Average
CRD.B
Crawford & Company B
12.12
2.33
23.83%
AON
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274.71
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AJG
Arthur J Gallagher & Co
232.90
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CRVL
CorVel
78.81
7.01
9.76%
MRSH
Marsh & McLennan Companies
177.01
-22.47
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WTW
Willis Towers Watson
297.07
-37.95
-11.33%
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.