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Upturn AI Summary - About
Crawford & Company(CRD-B)
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-B
11/04/2026: CRD-B (2-star) is a SELL. SELL for 2 days. Simulated Profits (-6.24%). Updated daily EoD!
Crawford & Company is a established global provider of claims management and outsourcing solutions, primarily serving the insurance industry. Its business model benefits from strong client relationships and the essential nature of its claims adjusting and repair network services. A primary growth opportunity involves the ongoing digital transformation of its platform, which aims to improve efficiency through automation. However, investors must monitor risks related to the unpredictable nature of catastrophic claim events and increasing competition from technology-focused platforms. The stock is best suited for income-oriented investors who value a long-standing history of dividend payments and a stable position within the insurance services sector.
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 operates in a mature, slow-growth industry that relies on steady demand rather than rapid expansion. |
| Momentum investor | Weak fit | The stock generally displays low beta and moderate movement, making it less attractive for momentum-based strategies. |
| Value investor | Strong fit | The company is often viewed as a stable, mature firm, which can attract value investors seeking consistent business models. |
| Dividend investor | Strong fit | Crawford provides a reliable dividend history that appeals to investors looking for steady income streams. |
| Low-risk investor | Strong fit | Its role as a necessary service provider to the insurance industry provides a degree of defensive stability. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock is generally less volatile than the broader market due to its stable, essential service model. |
| Valuation risk | Medium | Valuation is tied to steady earnings performance, which can be affected by the unpredictable timing of large-scale disasters. |
| Competition risk (InsurTech) | Medium / high | Agile technology-driven competitors are disrupting traditional claims adjustment processes. |
| Business quality | Medium | The company has a long operating history and deep relationships, though margins are sensitive to labor and administrative costs. |
| Dividend income | Medium | Dividend payouts depend on consistent profitability, which is occasionally interrupted by high catastrophe claim costs. |
| Execution risk | Medium | Successful growth depends on integrating newer digital tools into established manual-heavy claims workflows. |
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 -12.62% | Avg. Invested days 47 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2026 |
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 522.08M USD | Price to earnings Ratio 20.7 | 1Y Target Price 14 |
Price to earnings Ratio 20.7 | 1Y Target Price 14 | ||
Volume (30-day avg) 10.0K shares | Beta 0.66 | 52 Weeks Range 8.66 - 13.59 | Updated Date 11/04/2026 |
52 Weeks Range 8.66 - 13.59 | Updated Date 11/04/2026 | ||
Dividends yield (FY) 2.50% | Basic EPS (TTM) 0.53 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Claims Services | Field and desk adjusting services provided to insurance carriers worldwide. | This is the core business that generates revenue whenever insurance claims are filed and processed. |
| Platform Solutions | Managed repair networks and contractor management tools like Contractor Connection. | This segment acts as a high-margin service platform connecting insurers to a network of repair providers. |
| Geography | North America, UK/Europe, and International markets. | Revenue is well-distributed globally, reducing reliance on any single country's regulatory or insurance environment. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-03 | When - | Estimate 0.31 | Actual 0.37 |
Profitability
Profit Margin 2.07% | Operating Margin (TTM) 7.84% |
Management Effectiveness
Return on Assets (TTM) 5.58% | Return on Equity (TTM) 14.1% |
Valuation
Trailing PE 20.7 | Forward PE 10.79 | Enterprise Value 788.57M | Price to Sales(TTM) 0.41 |
Enterprise Value 788.57M | Price to Sales(TTM) 0.41 | ||
Enterprise Value to Revenue 0.61 | Enterprise Value to EBITDA 8.4 | Shares Outstanding 18.90M | Shares Floating 22.16M |
Shares Outstanding 18.90M | Shares Floating 22.16M | ||
Percent Insiders 68.84 | Percent Institutions 26.96 |
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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