Crawford & Company (CRD-A) AI Stock Analysis

Crawford & Company specializes in claims management and outsourcing solutions across global markets, including the United States, the United Kingdom, Europe, Canada, and Australia. Its Crawford Loss Adjusting division delivers claims management for risks such as property damage, public liability, automobile accidents, and marine insurance. The TPA Solutions segment serves self-insured or commercially insured corporations with claims adjusting, evaluation, loss fund administration, and workers' compensation third-party administration. In addition, the Platform Solutions segment operates Contractor Connection and Networks, delivering services related to natural and man-made disasters such as fires, hurricanes, floods, and chemical releases.

Revenue grew from $1.14B in FY2021 to $1.23B in FY2022, $1.32B in FY2023, and $1.34B in FY2024, before declining 2.0% to $1.31B in FY2025. Between FY2020 and FY2025, revenue achieved a 5-year CAGR of 5.3%. Operating margin expanded from 4.1% in FY2021 to 5.8% in FY2025, while gross margin shifted from 25.6% in FY2021 to 24.5% in FY2025. Net income was $30.7M in FY2021, -$18.3M in FY2022, $30.6M in FY2023, $26.6M in FY2024, and $19.6M in FY2025. Over the trailing twelve months ending June 30, 2026, revenue stood at $1.26B with quarterly revenue falling 0.5% year-over-year, while quarterly earnings grew 76.1%.

As of June 30, 2026, Crawford & Company held $69.4M in cash and short-term investments against total debt of $270.7M, resulting in net debt of $201.3M. Total assets were $758.3M and shareholders' equity was $186.4M, with a current ratio of 1.19 and a debt-to-equity ratio of 1.45. Operating cash flow in FY2025 reached $101.8M and free cash flow was $94.8M. Cash deployment in FY2025 included $7.0M in capital expenditures, $10.5M in share buybacks, and $14.3M in dividends paid.

At a last close of $12.53, Crawford & Company has a market cap of $596.3M and an enterprise value of $779.7M. It trades at a trailing P/E of 26.7x, above the 12.1x median of its US-listed Financial Services peers, but its forward P/E of 11.4x is closer to the peer median of 10.8x. Its EV/EBITDA of 8.3x and price-to-sales of 0.5x are below peer medians of 11.7x and 3.2x, respectively. Over the past year, the stock returned 20.2%, outpacing the S&P 500 ETF (SPY) return of 16.8%, though its 5-year return of 63.2% trailed SPY's 83.0%.

Crawford & Company pays a quarterly dividend with an annual forward payout of $0.32, translating to a dividend yield of 2.55% and a payout ratio of 33.7%. The company has paid dividends for 16 consecutive years, generating a 5-year annualized dividend growth rate of 8.8%. Its last ex-dividend date was August 14, 2026.

Wall Street coverage includes 1 Buy rating, with 0 Strong Buy, Hold, Sell, or Strong Sell ratings. The mean price target is $15.00, representing 19.7% upside relative to the last close of $12.53. For the fiscal year ending December 31, 2026, consensus estimates anticipate revenue of $1.28B and EPS of $1.05, representing EPS growth of 15.4%. For the following fiscal year, 1 analyst projects revenue of $1.32B and EPS of $1.13. Over the last 4 quarters, the company recorded 2 EPS beats.

This page is an AI-written research summary of Crawford & Company (CRD-A). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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