Crawford & Company (CRD-B) AI Stock Analysis

Crawford & Company is a global provider of claims management and outsourcing solutions to carriers, brokers, and corporations across regions such as the United States, the United Kingdom, Europe, Canada, and Australia. Its Crawford Loss Adjusting segment provides claims management services for property damage, public liability, automobile accidents, and marine insurance. The TPA Solutions unit serves self-insured and commercially insured entities with desktop adjusting, loss reporting, claims evaluation, and third-party administration for workers' compensation and disability. Its Platform Solutions segment includes Contractor Connection and Networks, addressing services for natural disasters like floods and hurricanes as well as man-made disasters.

Over five fiscal years from FY2020 to FY2025, Crawford & Company achieved a revenue CAGR of 5.3%. Annual revenue rose from $1.14B in FY2021 to $1.34B in FY2024, before declining 2.0% to $1.31B in FY2025. Gross margin reached 24.5% in FY2025, while operating margin came in at 5.8%, up from 5.1% in FY2024. Net income totaled $19.6M in FY2025 with diluted earnings per share of $0.90. For the latest quarter ended June 30, 2026, quarterly revenue fell 0.5% year-over-year, while quarterly earnings surged 76.1%. Over the trailing twelve months, revenue was $1.26B, operating margin stood at 7.4%, and net margin was 1.9%.

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. The company reported shareholders' equity of $186.4M, a current ratio of 1.19, and a debt-to-equity ratio of 1.45. Operating cash flow in FY2025 stood at $101.8M, supporting capital expenditures of $7.0M. The firm directed $14.3M toward dividend payments and spent $10.5M on share buybacks, contributing to a 7.4% reduction in share count over five years.

At a share price of $12.00, Crawford & Company carries a market capitalization of $571.1M and an enterprise value of $779.7M. The stock trades at a trailing price-to-earnings ratio of 25.5x, higher than the 12.1x median of its US-listed Financial Services peers. However, its forward price-to-earnings ratio of 10.4x sits below the peer median of 10.8x, and its enterprise-value-to-EBITDA ratio of 8.3x is below the peer median of 11.7x. Over the past year, the stock returned 24.5%, outperforming the S&P 500 return of 16.8%, but its five-year return of 61.5% trails the index return of 83.0%.

Crawford & Company has paid dividends for 16 consecutive years. The forward annual dividend is $0.31 per share, representing a dividend yield of 2.54% with a payout ratio of 33.7%. The dividend has expanded at an annualized rate of 11.3% over the past five years. Payments are distributed quarterly, with the most recent ex-dividend date on August 14, 2026.

Consensus coverage from 2 analysts shows 2 Strong Buy ratings and no Buy, Hold, or Sell ratings. The mean price target is $14.00, representing an upside of 16.7% from the last close of $12.00. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $1.28B and earnings per share of $1.05, representing projected EPS growth of 15.9%. For the following fiscal year, analysts expect revenue of $1.32B and EPS of $1.13. The company beat EPS estimates in 1 of the last 4 quarters.

This page is an AI-written research summary of Crawford & Company (CRD-B). 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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