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Upturn AI Summary - About
Crawford & Company(CRD-A)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CRD-A
10/19/2026: CRD-A (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Crawford & Company is a long-standing provider of claims management and outsourcing services to the global insurance industry. Its business model, anchored by the Contractor Connection platform and Broadspire TPA services, provides a stable, though cyclical, service offering. The company is actively focusing on digital transformation to improve margins and service speed. Key risks include intense competition from large, integrated brokerage firms and the potential for technological disruption in the adjusting space. It may suit dividend-focused investors seeking exposure to the stable demand for outsourced insurance services, provided they monitor the company's ability to maintain its technological edge.
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.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers steady but slow growth, lacking the rapid expansion potential typical of high-growth technology stocks. |
| Momentum investor | Weak fit | The stock typically exhibits low beta and steady movement, offering limited potential for short-term explosive momentum. |
| Value investor | Mixed fit | The company is often reasonably valued, but investors must assess whether the legacy business model justifies the current price-to-earnings multiple. |
| Dividend investor | Strong fit | Crawford & Company is known for its consistent dividend policy, making it a viable consideration for income-focused portfolios. |
| Low-risk investor | Mixed fit | While the business is essential and stable, the insurance services sector can be subject to unpredictable claims-driven volatility and operational risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is generally less volatile than the broader market, though it can react to large-scale disaster events. |
| Valuation risk | Medium | Investors should ensure the valuation properly accounts for the transition costs of the digital platform upgrades. |
| Competition risk (Consolidation) | Medium / high | Major insurance brokers acquiring independent adjusters can shrink the addressable market for independent service providers. |
| Business quality | Medium | The service-heavy nature of the business requires strong execution and retention of skilled adjusters. |
| Dividend income | Medium | Dividends are generally reliable, though they are dependent on the company's sustained profitability in a cyclical industry. |
| Execution risk | Medium | Successful modernization of digital claims systems is critical for future operating margin improvements. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -4.45% | Avg. Invested days 53 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 596.32M USD | Price to earnings Ratio 26.66 | 1Y Target Price 15 |
Price to earnings Ratio 26.66 | 1Y Target Price 15 | ||
Volume (30-day avg) 70.6K shares | Beta 0.62 | 52 Weeks Range 8.77 - 13.90 | Updated Date 10/18/2026 |
52 Weeks Range 8.77 - 13.90 | Updated Date 10/18/2026 | ||
Dividends yield (FY) 2.42% | Basic EPS (TTM) 0.47 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Claims Solutions | Field and desk adjusting services for property and casualty claims. | The core business of helping insurance companies process and pay out claims for their customers. |
| Broadspire | Third-party administration for workers' compensation and medical management. | Providing outsourced management for employee-related insurance claims, a consistent service business. |
| Platform Solutions | Contractor Connection and other digital property repair networks. | Using technology platforms to connect insurers with repair networks, creating efficiency for all parties. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 26.66 | Forward PE 11.36 | Enterprise Value 779.66M | Price to Sales(TTM) 0.47 |
Enterprise Value 779.66M | Price to Sales(TTM) 0.47 | ||
Enterprise Value to Revenue 0.6 | Enterprise Value to EBITDA 8.3 | Shares Outstanding 28.69M | Shares Floating 22.60M |
Shares Outstanding 28.69M | Shares Floating 22.60M | ||
Percent Insiders 44.34 | Percent Institutions 47.3 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
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)
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)
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)
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)
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)
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)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
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)
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)
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)
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)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
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)
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)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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