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CRAWFORD & COMPANY -CL A (CRD.A) Stock Fundamental Analysis

NYSE:CRD.A - New York Stock Exchange, Inc. - US2246332066 - Common Stock - Currency: USD

10.02  -0.44 (-4.21%)

After market: 10.02 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to CRD.A. CRD.A was compared to 143 industry peers in the Insurance industry. While CRD.A has a great profitability rating, there are some minor concerns on its financial health. CRD.A has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

CRD.A had positive earnings in the past year.
In the past year CRD.A had a positive cash flow from operations.
Of the past 5 years CRD.A 4 years were profitable.
CRD.A had a positive operating cash flow in each of the past 5 years.
CRD.A Yearly Net Income VS EBIT VS OCF VS FCFCRD.A Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

With a decent Return On Assets value of 3.84%, CRD.A is doing good in the industry, outperforming 79.72% of the companies in the same industry.
Looking at the Return On Equity, with a value of 18.96%, CRD.A belongs to the top of the industry, outperforming 88.81% of the companies in the same industry.
CRD.A's Return On Invested Capital of 8.08% is amongst the best of the industry. CRD.A outperforms 90.91% of its industry peers.
CRD.A had an Average Return On Invested Capital over the past 3 years of 7.40%. This is above the industry average of 4.07%.
The 3 year average ROIC (7.40%) for CRD.A is below the current ROIC(8.08%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.84%
ROE 18.96%
ROIC 8.08%
ROA(3y)1.61%
ROA(5y)2.44%
ROE(3y)7.94%
ROE(5y)10.69%
ROIC(3y)7.4%
ROIC(5y)7.11%
CRD.A Yearly ROA, ROE, ROICCRD.A Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

CRD.A's Profit Margin of 2.25% is on the low side compared to the rest of the industry. CRD.A is outperformed by 76.22% of its industry peers.
CRD.A's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 4.72%, CRD.A is not doing good in the industry: 79.72% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of CRD.A has declined.
The Gross Margin of CRD.A (27.41%) is better than 88.81% of its industry peers.
CRD.A's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 4.72%
PM (TTM) 2.25%
GM 27.41%
OM growth 3Y-0.78%
OM growth 5Y-6.8%
PM growth 3Y-9.71%
PM growth 5Y10.7%
GM growth 3Y2.28%
GM growth 5Y-0.53%
CRD.A Yearly Profit, Operating, Gross MarginsCRD.A Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20

4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CRD.A is destroying value.
The number of shares outstanding for CRD.A has been increased compared to 1 year ago.
The number of shares outstanding for CRD.A has been reduced compared to 5 years ago.
CRD.A has a worse debt/assets ratio than last year.
CRD.A Yearly Shares OutstandingCRD.A Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CRD.A Yearly Total Debt VS Total AssetsCRD.A Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

CRD.A has an Altman-Z score of 3.00. This indicates that CRD.A is financially healthy and has little risk of bankruptcy at the moment.
CRD.A has a better Altman-Z score (3.00) than 95.10% of its industry peers.
The Debt to FCF ratio of CRD.A is 15.33, which is on the high side as it means it would take CRD.A, 15.33 years of fcf income to pay off all of its debts.
CRD.A has a worse Debt to FCF ratio (15.33) than 77.62% of its industry peers.
A Debt/Equity ratio of 1.28 is on the high side and indicates that CRD.A has dependencies on debt financing.
CRD.A has a Debt to Equity ratio of 1.28. This is amonst the worse of the industry: CRD.A underperforms 88.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.28
Debt/FCF 15.33
Altman-Z 3
ROIC/WACC0.86
WACC9.37%
CRD.A Yearly LT Debt VS Equity VS FCFCRD.A Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M

2.3 Liquidity

A Current Ratio of 1.30 indicates that CRD.A should not have too much problems paying its short term obligations.
CRD.A has a better Current ratio (1.30) than 85.31% of its industry peers.
CRD.A has a Quick Ratio of 1.30. This is a normal value and indicates that CRD.A is financially healthy and should not expect problems in meeting its short term obligations.
CRD.A has a Quick ratio of 1.30. This is amongst the best in the industry. CRD.A outperforms 85.31% of its industry peers.
Industry RankSector Rank
Current Ratio 1.3
Quick Ratio 1.3
CRD.A Yearly Current Assets VS Current LiabilitesCRD.A Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

5

3. Growth

3.1 Past

CRD.A shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.54%, which is quite good.
Measured over the past 5 years, CRD.A shows a small growth in Earnings Per Share. The EPS has been growing by 4.30% on average per year.
The Revenue has been growing slightly by 3.51% in the past year.
The Revenue has been growing slightly by 5.06% on average over the past years.
EPS 1Y (TTM)11.54%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%61.54%
Revenue 1Y (TTM)3.51%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-0.33%

3.2 Future

The Earnings Per Share is expected to grow by 19.76% on average over the next years. This is quite good.
Based on estimates for the next years, CRD.A will show a small growth in Revenue. The Revenue will grow by 5.91% on average per year.
EPS Next Y32.55%
EPS Next 2Y19.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.49%
Revenue Next 2Y5.91%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
CRD.A Yearly Revenue VS EstimatesCRD.A Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B
CRD.A Yearly EPS VS EstimatesCRD.A Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.52 indicates a reasonable valuation of CRD.A.
The rest of the industry has a similar Price/Earnings ratio as CRD.A.
Compared to an average S&P500 Price/Earnings ratio of 26.31, CRD.A is valued rather cheaply.
A Price/Forward Earnings ratio of 8.84 indicates a reasonable valuation of CRD.A.
Based on the Price/Forward Earnings ratio, CRD.A is valued a bit cheaper than the industry average as 61.54% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, CRD.A is valued rather cheaply.
Industry RankSector Rank
PE 11.52
Fwd PE 8.84
CRD.A Price Earnings VS Forward Price EarningsCRD.A Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CRD.A indicates a somewhat cheap valuation: CRD.A is cheaper than 68.53% of the companies listed in the same industry.
75.52% of the companies in the same industry are cheaper than CRD.A, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 30.82
EV/EBITDA 6.83
CRD.A Per share dataCRD.A EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CRD.A has a very decent profitability rating, which may justify a higher PE ratio.
CRD.A's earnings are expected to grow with 19.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)2.68
EPS Next 2Y19.76%
EPS Next 3YN/A

5

5. Dividend

5.1 Amount

CRD.A has a Yearly Dividend Yield of 2.81%.
CRD.A's Dividend Yield is a higher than the industry average which is at 3.31.
Compared to an average S&P500 Dividend Yield of 2.40, CRD.A has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.81%

5.2 History

The dividend of CRD.A has a limited annual growth rate of 2.90%.
CRD.A has paid a dividend for at least 10 years, which is a reliable track record.
CRD.A has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.9%
Div Incr Years2
Div Non Decr Years4
CRD.A Yearly Dividends per shareCRD.A Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

CRD.A pays out 45.22% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of CRD.A is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.22%
EPS Next 2Y19.76%
EPS Next 3YN/A
CRD.A Yearly Income VS Free CF VS DividendCRD.A Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M 60M
CRD.A Dividend Payout.CRD.A Dividend Payout, showing the Payout Ratio.CRD.A Dividend Payout.PayoutRetained Earnings

CRAWFORD & COMPANY -CL A

NYSE:CRD.A (6/13/2025, 8:04:00 PM)

After market: 10.02 0 (0%)

10.02

-0.44 (-4.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-05 2025-05-05/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners26.57%
Inst Owner Change1.13%
Ins Owners67.98%
Ins Owner ChangeN/A
Market Cap495.49M
Analysts87.27
Price Target15.05 (50.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.81%
Yearly Dividend0.28
Dividend Growth(5Y)2.9%
DP45.22%
Div Incr Years2
Div Non Decr Years4
Ex-Date05-23 2025-05-23 (0.07)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-8.93%
Min EPS beat(2)-19.8%
Max EPS beat(2)1.94%
EPS beat(4)2
Avg EPS beat(4)0.21%
Min EPS beat(4)-19.8%
Max EPS beat(4)24.47%
EPS beat(8)4
Avg EPS beat(8)-8.22%
EPS beat(12)6
Avg EPS beat(12)-1.29%
EPS beat(16)8
Avg EPS beat(16)-1%
Revenue beat(2)1
Avg Revenue beat(2)-1.92%
Min Revenue beat(2)-5.63%
Max Revenue beat(2)1.78%
Revenue beat(4)1
Avg Revenue beat(4)-4.58%
Min Revenue beat(4)-10.09%
Max Revenue beat(4)1.78%
Revenue beat(8)1
Avg Revenue beat(8)-4.26%
Revenue beat(12)2
Avg Revenue beat(12)-2.93%
Revenue beat(16)5
Avg Revenue beat(16)-1.22%
PT rev (1m)0.18%
PT rev (3m)12.93%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.49%
Valuation
Industry RankSector Rank
PE 11.52
Fwd PE 8.84
P/S 0.37
P/FCF 30.82
P/OCF 8.62
P/B 3.09
P/tB N/A
EV/EBITDA 6.83
EPS(TTM)0.87
EY8.68%
EPS(NY)1.13
Fwd EY11.31%
FCF(TTM)0.33
FCFY3.25%
OCF(TTM)1.16
OCFY11.6%
SpS27.33
BVpS3.25
TBVpS-2.05
PEG (NY)0.35
PEG (5Y)2.68
Profitability
Industry RankSector Rank
ROA 3.84%
ROE 18.96%
ROCE 12.59%
ROIC 8.08%
ROICexc 9.12%
ROICexgc 21.91%
OM 4.72%
PM (TTM) 2.25%
GM 27.41%
FCFM 1.19%
ROA(3y)1.61%
ROA(5y)2.44%
ROE(3y)7.94%
ROE(5y)10.69%
ROIC(3y)7.4%
ROIC(5y)7.11%
ROICexc(3y)8.28%
ROICexc(5y)7.91%
ROICexgc(3y)19.19%
ROICexgc(5y)17.62%
ROCE(3y)11.52%
ROCE(5y)11.07%
ROICexcg growth 3Y8.36%
ROICexcg growth 5Y3.89%
ROICexc growth 3Y8.29%
ROICexc growth 5Y-1.08%
OM growth 3Y-0.78%
OM growth 5Y-6.8%
PM growth 3Y-9.71%
PM growth 5Y10.7%
GM growth 3Y2.28%
GM growth 5Y-0.53%
F-Score7
Asset Turnover1.71
Health
Industry RankSector Rank
Debt/Equity 1.28
Debt/FCF 15.33
Debt/EBITDA 2.05
Cap/Depr 113.35%
Cap/Sales 3.07%
Interest Coverage 250
Cash Conversion 57.35%
Profit Quality 52.82%
Current Ratio 1.3
Quick Ratio 1.3
Altman-Z 3
F-Score7
WACC9.37%
ROIC/WACC0.86
Cap/Depr(3y)104.43%
Cap/Depr(5y)96.71%
Cap/Sales(3y)2.9%
Cap/Sales(5y)3.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.54%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%61.54%
EPS Next Y32.55%
EPS Next 2Y19.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.51%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-0.33%
Revenue Next Year6.49%
Revenue Next 2Y5.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y23.92%
EBIT growth 3Y4.76%
EBIT growth 5Y-2.08%
EBIT Next Year71.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y135.87%
FCF growth 3Y-24.71%
FCF growth 5Y-28.7%
OCF growth 1Y35.48%
OCF growth 3Y-1.69%
OCF growth 5Y-7.25%