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Crawford & (CRD-A) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Crawford &
NYSE•Financial Services•Insurance Brokers
$12.47-0.32(-0.03%)After hours

Crawford & Company provides claims management and outsourcing solutions for carriers, brokers, and corporations in the United States, the United Kingdom, Europe, Canada, Australia, Asia, and Latin America. The company provides claims management services to insurance carriers and self-insured entities risk, including property, public liability, automobile liability, and marine insurance; claims management and adjusting services to insurance carriers and self-insured entities from property and casualty insurance company markets; and field investigation and the evaluation and resolution of property and casualty insurance claims. It also offers claims management services, including workers' compensation, liability, and property; death and dismemberment, business travel, life, disability, critical illness, and credit protection claims programs; short and long term disability, family medical leave act, Americans with disabilities act, and state leave claims; legal services, risk management information, and consultative analytical services; loss mitigation services, such as medical bill review, medical case management and vocational rehabilitation; risk management information services; and administration of loss funds established to pay claims. In addition, the company provides managed repair service and outsourced contractor management to national and regional personal and commercial insurance carriers; services to insurance companies on losses caused by all types of natural disasters comprising fires, hailstorms, hurricanes, earthquakes, floods, as well as man-made disasters, such as oil spills, chemical releases, and explosions; staff augmentation that provides temporary staffing resources; and outsourced subrogation claims management, recovery, and consultative services for the property and casualty insurance industry. Crawford & Company was founded in 1941 and is headquartered in Atlanta, Georgia.

C

How this company scores

AverageMetricSide Score: 58.5/100

Strongest: Cash & Earnings Quality (24/25); weakest: Growth (4.5/25).

Profitability11/25
Growth4.5/25
Balance Sheet & Red Flags19/25
Cash & Earnings Quality24/25
Strengths
Rising free cash flowCash-backed earningsImproving leverageImproving margins

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 15.0% — watch for continued compression, which may signal competitive or cost pressure.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$1.30B
4Q
Q. Revenue
$330.02M
2Q
TTM EBITDA
$86.74M
8%
TTM Op. Income
$47.07M
17%
Q. Op. Income
$21.19M
2Q
TTM Net Income
$23.52M
21%
Q. Net Income
$13.45M
2Q
EPS
N/A
Shares Out.
$0
$1.30B in TTM revenue declined 4.1% YoY, reaching $330.02M last quarter. TTM EBITDA of $86.74M and TTM operating income of $47.07M show growth is flowing through to the bottom line. TTM net income of $23.52M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 4 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin
28.8%
2Q
EBITDA Margin
9.3%
2Q
Op. Margin
6.4%
2Q
Net Margin
4.1%
2Q
Op. margin of 6.4% is up 1.6% YoY — cost efficiency is improving. Net margin at 4.1% and gross margin of 28.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
N/A
P/S Ratio
N/A
P/B Ratio
N/A
P/S of 0.0x and P/B of 0.0x.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$758.25M
5%
Cash
$69.42M
19%
Long-Term Debt
$150.58M
5Q
Book Value
$186.40M
2Q
D/E Ratio
0.8
5Q
Debt/EBITDA
4.9
2Q
With $758.25M in assets and $150.58M in long-term debt, D/E is 0.8and book value is $186.40M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 5 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$19.87M
43%
TTM Free Cash Flow
$96.09M
30%
FCF Margin
7.4%
36%
FCF / Net Income
4.1
64%
TTM FCF of $96.09M on $19.87M in operating cash flow. The FCF / Net Income ratio of 4.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 30% — a weakening trend.

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Revenue Decline

Watch

Revenue has softened, declining in 4 quarters. Watch for further erosion.