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Crawford & Company(CRD-A)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL RECENCY
2-STAR RATING
Consider higher Upturn Star rating
BUY for 33 days
PROFIT SINCE LAST BUY
-0.64%
LAST CLOSE
$12.35
09/18/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for CRD-A

09/18/2026: CRD-A (2-star) has a low Upturn Star Rating. Not recommended to BUY.

How to Read the Upturn Advisory

The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.

Company fundamentals, valuation, risks, and news provide supporting context about the business.

Price Behavior

Strong Uptrend
PRICE PATH

Strong Uptrend

The stock has maintained a strong upward price trend across the last three quarters.

Moderately Choppy
PRICE STABILITY

Moderately Choppy

The stock has experienced noticeable price swings while retaining some directional structure.

Analysis of Past Performance

Type Stock
Historic Profit -3.51%
Avg. Invested days 51
Today’s Advisory Consider higher Upturn Star rating
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 2.0
Stock Returns Performance Upturn Returns Performance icon 1.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/18/2026

Upturn Scorecard

Upturn Star Rating

CRD-A receives a 3-star rating, supported by available scored pillars. The rating is constrained by weak price momentum.

Company Fundamentals

CRD-A has moderate overall fundamentals (3 stars), with moderate financial health, moderate growth momentum, and solid ownership. In FY2025 versus FY2024, solid cash generation (FCF margin 7.2%) is partially offset by negative earnings growth (-26.2%), slightly negative revenue growth (-2.0%), soft profitability (net margin 1.5%).

Financial Health Rating

CRD-A's financial health is supported by solid cash strength, including free-cash-flow generation (7.2% of revenue). Profitability is soft (2 stars), which helps explain the 3-star overall score.

Growth Momentum Score

Free-cash-flow growth is CRD-A's strongest growth driver at +851.0% FY2025 versus FY2024 (strong, 5 stars). By comparison, while revenue growth (-2.0%, slightly negative) and earnings growth (-26.2%, negative) hold the profile back, so recent growth is not broad-based across the business.

Ownership

Institutional ownership is 46.7% and approximately 78.8% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership of 44.34% supports management-shareholder alignment.

Unit Economics (Per $1K Revenue)

CRD-A generates approximately $245 of gross profit, $58 of operating income, and $72 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 43.13%

Quantitative Style Profile

CRD-A has a liquid, relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedLow VolatilitySmall / Mid Cap RiskHighly Liquid / Institution-Friendly

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 587.76M USD
Price to earnings Ratio 26.28
1Y Target Price 15
Price to earnings Ratio 26.28
1Y Target Price 15
Volume (30-day avg) 68.8K shares
Beta 0.63
52 Weeks Range 8.77 - 13.90
Updated Date 09/20/2026
52 Weeks Range 8.77 - 13.90
Updated Date 09/20/2026
Dividends yield (FY) 2.31%
Basic EPS (TTM) 0.47

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Revenue by Geography

Geography revenue - Year on Year

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Valuation

Trailing PE 26.28
Forward PE 10.93
Enterprise Value 781.45M
Price to Sales(TTM) 0.47
Enterprise Value 781.45M
Price to Sales(TTM) 0.47
Enterprise Value to Revenue 0.6
Enterprise Value to EBITDA 8.32
Shares Outstanding 28.69M
Shares Floating 22.60M
Shares Outstanding 28.69M
Shares Floating 22.60M
Percent Insiders 44.34
Percent Institutions 46.73

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.

Net Income (Profit)

Information icon Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.

Free Cash Flow (Cash Strength)

Information icon Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.

📈 Growth & Strength

Operating Income (Core Profit)

Information icon Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.

EBITDA (Cash Earnings)

Information icon Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.

Gross Profit (Unit Profitability)

Information icon Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.

🛡️ Financial Safety

Cash (Liquidity Buffer)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.

Net Working Capital (Short-Term Health)

Information icon Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.

🧱 Balance Sheet Strength

Stockholder Equity (Net Worth)

Information icon Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.

Total Assets (Asset Base)

Information icon The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.

Income Before Tax (Pre-Tax Earnings)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.

Total Operating Expenses (Operating Cost)

Information icon Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.

Income Tax Expense (Tax Drag)

Information icon Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.

About Crawford & Company

Exchange NYSE
Headquarters Atlanta, GA, United States
IPO Launch date 1992-03-19
President, CEO & Director Mr. William Bruce Swain Jr.
Sector Financial Services
Industry Insurance Brokers
Full time employees 8757
Full time employees 8757

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.