Crawford & Company

Crawford & Company

CRD-AยทNYSE

$10.61

-2.8%
Financial ServicesInsurance - Brokers

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.

At a Glance

Live Snapshot
Market Cap$522.28M
EPS0.4000
P/E Ratio26.52
Earnings Date08/03/2026

Intrinsic Alpha Methodology

Thesis Lenses

Signal ยท Driver ยท Risk

Signal

High confidence

Valuation multiple is elevated (P/E 26.5).

Valuation inputs: P/E 26.5, earnings yield +3.8%, momentum -2.8%.

If multiples stay elevated while momentum fades, downside repricing risk rises.

Driver

High confidence

Return profile is acceptable (ROE +11.3%, ROIC +8.3%).

Profitability stack: net margin +1.5%, ROE +11.3%, ROIC +8.3%.

Quality deterioration often appears in margins before it shows up in headline EPS.

Risk

High confidence

Downside profile is elevated and scenario stress-testing is essential.

Risk factors: liabilities/assets +77.6%, momentum -2.8%, net margin +1.5%.

Higher leverage with weak momentum and thin margins can amplify drawdown severity.

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Crawford & Company Market vs Earnings Trajectory

CRD-A ยท NYSE

Loading price and EPS data...

Crawford & Company

Crawford & Company Fair Value Envelope

CRD-A ยท NYSE

Our analysis suggests that CRD-A has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $10.61, this represents a potential HIDDEN relative to our calculated worth for Crawford & Company.

Intrinsic Value
Current Price: $10.61
3Y-208.0%
5Y-26.0%
10Y-41.0%
3Y+6.0%
5Y+29.0%
10Y+11.0%
3Y-207.0%
5Y-31.0%
10Y-45.0%
3Y+269.0%
5Y+9.0%
10Y+3.0%
3Y-1432.0%
5Y+66.0%
10Y+33.0%
3Y-3.0%
5Y+2.0%
10Y+4.0%
Crawford & Company

Crawford & Company Profit Bridge

CRD-A ยท NYSE
Revenue1.31B
Cost of Goods Sold (992.21M)
Gross Profit321.90M
Operating Expenses (245.69M)
Operating Income76.21M
Interest Expense (17.97M)
Other Income/Expense-41.61M
Pretax Income34.60M
Income Tax (14.92M)
Net Income19.63M
Net Income
19.63M

Profitability Analysis

Gross Margin

24.6%

Moderate margins typical of competitive industries. Monitor for pricing pressure or rising costs.

Operating Margin

5.8%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

1.5%

Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.

Effective Tax Rate

43.1%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Room for improvement: Moderate profitability with opportunities to enhance margins through better cost management or pricing strategy.

24.56%
Gross Profit Margin
-10%
3Y-1.0%
5Y-11.0%
10Y-10.0%
5.81%
Operating Profit Margin
15%
3Y+41.0%
5Y-1.0%
10Y-16.0%
1.50%
Net Profit Margin
-24%
3Y-201.0%
5Y-46.0%
10Y-51.0%
11.34%
Return on Equity
-33%
3Y-177.0%
5Y-25.0%
10Y-51.0%
2.57%
Return on Assets
-22%
3Y-211.0%
5Y-32.0%
10Y-47.0%
8.32%
Return on Invested Capital
4%
3Y-125.0%
5Y+9.0%
10Y-13.0%
CRD-A

Crawford & Company Cash Conversion Engine

CRD-A ยท NYSE
Net Income19.68M
Depreciation & Amortization40.04M
Stock-Based Compensation5.19M
Change in Working Capital37.01M
Others3.25M
Capital Expenditures-7.01M
Free Cash Flow92.81M

Cash Flow Quality Analysis

FCF Conversion Rate

471.7%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

6.9%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+830.7%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$37.01M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

crd-a

Crawford & Company Funding & Solvency Profile

CRD-A ยท NYSE
Cash & Cash Equivalents0.00
Net Receivables0.00
Inventory0.00
Other Current Assets0.00
Total Current Assets0
Property, Plant & Equipment0.00
Goodwill & Intangible Assets0.00
Long-Term Investments0.00
Other Non-Current Assets0.00
Total Non-Current Assets0
Total Assets
0.00

Financial Health Analysis

Working Capital

-323249000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

0% Current

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Crawford & Company Street Expectations Map

CRD-A ยท NYSE

Wall Street analysts project that CRD-A stock may see slight declines over the coming 12 months. The consensus 1-year price target stands at 10.00, with estimates ranging from a low of 10.00 to a high of 10.00.

Lowest Target
10.00
-5.75%
Consensus Target
10.00
-5.75%
Highest Target
10.00
-5.75%

The consensus 1-year price target stands at 10.00, with estimates ranging from a low of 10.00 to a high of 10.00.

Analyst Consensus Analysis

Upside Potential

-5.8%

Downside risk. Current price above analyst targets indicates potential overvaluation. Exercise caution and review catalysts.

Analyst Agreement

0.0% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Risk-Reward Profile

1.00x

Balanced risk-reward. Upside and downside potential relatively symmetric. Suitable for moderate risk tolerance with conviction in thesis.

Analyst Conviction

Low

Bearish or uncertain outlook. Limited upside or poor consensus suggests challenges ahead or fundamental concerns.

Market Sentiment Insight

Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.

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Crawford & Company Insider Positioning

CRD-A ยท NYSE

During the last 12 months, insiders have sold $1.84M worth of CRD-A shares, with no buying activity reported.

3 Months

Bought

0

0.00

Sold

45.0K

456.95K

Net Activity

-457K

-$457K

3-6 Months

Bought

0

0.00

Sold

125.4K

1.38M

Net Activity

-1.4M

-$1.38M

6-9 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

9-12 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

Top Buyers

No buying activity

Top Sellers

1
VR

Verma Rohit

Director, Officer: Ceo & President

125.4K sharesโ€ข1 transactions

$1.38M

2
BAJ

Bart Andrew John

Officer: Executive Vice President

40.0K sharesโ€ข5 transactions

$408K

3
STE

Stevenson Tami E.

Officer: Svp-Gc & Corp Secy

5.0K sharesโ€ข1 transactions

$49K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Strong bearish signal with $1.84M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.

Buy/Sell Ratio

0.00:1

Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.

Recent Trend (3 Months)

$457K

Heavy recent selling activity. Recent insider sales notably exceed purchasesโ€”may warrant investigation into company developments.

Insider Participation

High Selling

3 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.

Insider Activity Insight

Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.

0.00%
Dividend Yield
-100%
3Y-100.0%
5Y-100.0%
10Y-100.0%
ย 

crd-a Dividend History

CRD-A
10Y CAGR +1%
Latest $0.075
Annual $0.3
5 year growth trend
Last Period: +0%