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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
09/23/2026: CRD-B (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Crawford & Company is a established global provider of claims management and outsourcing solutions for the insurance industry. Its main strengths include a significant international footprint and a diversified service portfolio, including its Broadspire TPA unit. The company is actively focusing on digital transformation and AI-driven automation to capture growth and improve efficiency. Key risks include exposure to volatile catastrophe events, competitive pressure from digital-first InsurTech startups, and the cyclical nature of the insurance industry. The stock may suit dividend-focused and value-oriented investors seeking exposure to established insurance services, provided they monitor the company's ability to successfully navigate technological competition and maintain consistent margins.
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 provides steady growth but lacks the rapid scaling potential typical of high-growth technology firms. |
| Momentum investor | Weak fit | This stock generally lacks the high-volatility, high-volume price action sought by pure momentum traders. |
| Value investor | Strong fit | The stock often trades at valuation multiples that may appeal to investors looking for established service-based businesses. |
| Dividend investor | Strong fit | Consistent dividend payments make this an attractive option for income-focused portfolios. |
| Low-risk investor | Medium fit | While established, the industry is sensitive to economic and catastrophic cycles which can increase volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience swings based on industry-wide insurance loss events. |
| Valuation risk | Low | The stock typically trades in line with sector peers, limiting extreme overvaluation risk. |
| Competition risk (InsurTech disruption) | Medium / high | New digital-first competitors could erode margins in traditional claims adjusting. |
| Business quality | Medium | The business relies on human capital, which can be difficult to scale efficiently. |
| Dividend income | Medium | Dividend sustainability depends on the company's ability to maintain cash flow during market downturns. |
| Execution risk | Medium | Successful integration of new technologies is critical to maintaining a competitive edge. |
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 1.03% | Avg. Invested days 44 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/23/2026 |
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 591.57M USD | Price to earnings Ratio 25.37 | 1Y Target Price 14 |
Price to earnings Ratio 25.37 | 1Y Target Price 14 | ||
Volume (30-day avg) 35.9K shares | Beta 0.63 | 52 Weeks Range 8.66 - 13.59 | Updated Date 09/23/2026 |
52 Weeks Range 8.66 - 13.59 | Updated Date 09/23/2026 | ||
Dividends yield (FY) 2.53% | Basic EPS (TTM) 0.49 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Claims Solutions | Property and casualty claims adjusting and field services. | This is the core business of handling insurance claims for clients. |
| Broadspire TPA | Workers compensation and disability management services. | Recurring fee-based income from managing complex employee insurance programs. |
| Geography | Global operations spanning North America, Europe, Asia-Pacific, and Latin America. | The company is globally diversified, reducing reliance on any single country's economy. |
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 25.37 | Forward PE 10.48 | Enterprise Value 784.15M | Price to Sales(TTM) 0.47 |
Enterprise Value 784.15M | Price to Sales(TTM) 0.47 | ||
Enterprise Value to Revenue 0.6 | Enterprise Value to EBITDA 8.35 | Shares Outstanding 18.90M | Shares Floating 22.60M |
Shares Outstanding 18.90M | Shares Floating 22.60M | ||
Percent Insiders 68.84 | Percent Institutions 26.15 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About Crawford & Company
Exchange NYSE | Headquarters Atlanta, GA, United States | ||
IPO Launch date 1990-01-12 | President, CEO & Director Mr. William Bruce Swain Jr. | ||
Sector Financial Services | Industry Insurance Brokers | Full time employees 8757 | Website https://www.crawco.com |
Full time employees 8757 | Website https://www.crawco.com | ||
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.
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