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

NYSE:CRD.A • US2246332066

Current stock price

9.78 USD
+0.15 (+1.56%)
At close:
9.78 USD
0 (0%)
After Hours:

This CRD.A fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. CRD.A Profitability Analysis

1.1 Basic Checks

  • In the past year CRD.A was profitable.
  • CRD.A had a positive operating cash flow in the past year.
  • Of the past 5 years CRD.A 4 years were profitable.
  • Each year in the past 5 years CRD.A had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M 100M

1.2 Ratios

  • CRD.A has a Return On Assets (2.57%) which is comparable to the rest of the industry.
  • With a Return On Equity value of 11.34%, CRD.A perfoms like the industry average, outperforming 57.43% of the companies in the same industry.
  • The Return On Invested Capital of CRD.A (8.86%) is better than 89.19% of its industry peers.
  • CRD.A had an Average Return On Invested Capital over the past 3 years of 7.89%. This is in line with the industry average of 9.34%.
  • The 3 year average ROIC (7.89%) for CRD.A is below the current ROIC(8.86%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.57%
ROE 11.34%
ROIC 8.86%
ROA(3y)3.24%
ROA(5y)2.2%
ROE(3y)16.62%
ROE(5y)9.93%
ROIC(3y)7.89%
ROIC(5y)7.08%
CRD.A Yearly ROA, ROE, ROICCRD.A Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

1.3 Margins

  • CRD.A has a worse Profit Margin (1.50%) than 79.73% of its industry peers.
  • CRD.A's Profit Margin has declined in the last couple of years.
  • CRD.A has a Operating Margin of 5.07%. This is amonst the worse of the industry: CRD.A underperforms 80.41% of its industry peers.
  • In the last couple of years the Operating Margin of CRD.A has declined.
  • CRD.A's Gross Margin of 28.00% is amongst the best of the industry. CRD.A outperforms 88.51% of its industry peers.
  • In the last couple of years the Gross Margin of CRD.A has remained more or less at the same level.
Industry RankSector Rank
OM 5.07%
PM (TTM) 1.5%
GM 28%
OM growth 3Y6.14%
OM growth 5Y-2.72%
PM growth 3YN/A
PM growth 5Y-11.67%
GM growth 3Y4.02%
GM growth 5Y0.4%
CRD.A Yearly Profit, Operating, Gross MarginsCRD.A Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15 20 25

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6

2. CRD.A Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), CRD.A is creating some value.
  • Compared to 1 year ago, CRD.A has less shares outstanding
  • CRD.A has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for CRD.A has been reduced compared to a year ago.
CRD.A Yearly Shares OutstandingCRD.A Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.2 Solvency

  • CRD.A has an Altman-Z score of 2.97. This is not the best score and indicates that CRD.A is in the grey zone with still only limited risk for bankruptcy at the moment.
  • CRD.A has a Altman-Z score of 2.97. This is amongst the best in the industry. CRD.A outperforms 95.27% of its industry peers.
  • The Debt to FCF ratio of CRD.A is 2.99, which is a good value as it means it would take CRD.A, 2.99 years of fcf income to pay off all of its debts.
  • CRD.A has a Debt to FCF ratio of 2.99. This is comparable to the rest of the industry: CRD.A outperforms 44.59% of its industry peers.
  • CRD.A has a Debt/Equity ratio of 0.87. This is a neutral value indicating CRD.A is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.87, CRD.A is doing worse than 87.16% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 2.99
Altman-Z 2.97
ROIC/WACC1.13
WACC7.87%
CRD.A Yearly LT Debt VS Equity VS FCFCRD.A Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M

2.3 Liquidity

  • A Current Ratio of 1.14 indicates that CRD.A should not have too much problems paying its short term obligations.
  • With an excellent Current ratio value of 1.14, CRD.A belongs to the best of the industry, outperforming 83.78% of the companies in the same industry.
  • CRD.A has a Quick Ratio of 1.14. This is a normal value and indicates that CRD.A is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.14, CRD.A belongs to the top of the industry, outperforming 83.78% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.14
Quick Ratio 1.14
CRD.A Yearly Current Assets VS Current LiabilitesCRD.A Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CRD.A Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.92% over the past year.
  • Measured over the past 5 years, CRD.A shows a small growth in Earnings Per Share. The EPS has been growing by 5.46% on average per year.
  • CRD.A shows a decrease in Revenue. In the last year, the revenue decreased by -2.25%.
  • The Revenue has been growing slightly by 5.22% on average over the past years.
EPS 1Y (TTM)13.92%
EPS 3Y8.74%
EPS 5Y5.46%
EPS Q2Q%-21.05%
Revenue 1Y (TTM)-2.25%
Revenue growth 3Y2.11%
Revenue growth 5Y5.22%
Sales Q2Q%-11.17%

3.2 Future

  • Based on estimates for the next years, CRD.A will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.22% on average per year.
  • The Revenue is expected to grow by 1.84% on average over the next years.
EPS Next Y24.36%
EPS Next 2Y15.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.51%
Revenue Next 2Y1.84%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CRD.A Yearly Revenue VS EstimatesCRD.A Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B
CRD.A Yearly EPS VS EstimatesCRD.A Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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6

4. CRD.A Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.87, the valuation of CRD.A can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as CRD.A.
  • The average S&P500 Price/Earnings ratio is at 25.54. CRD.A is valued rather cheaply when compared to this.
  • CRD.A is valuated reasonably with a Price/Forward Earnings ratio of 8.74.
  • CRD.A's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CRD.A is cheaper than 63.51% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of CRD.A to the average of the S&P500 Index (22.70), we can say CRD.A is valued rather cheaply.
Industry RankSector Rank
PE 10.87
Fwd PE 8.74
CRD.A Price Earnings VS Forward Price EarningsCRD.A Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 71.62% of the companies in the same industry are more expensive than CRD.A, based on the Enterprise Value to EBITDA ratio.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as CRD.A.
Industry RankSector Rank
P/FCF 7.52
EV/EBITDA 5.58
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.
  • A more expensive valuation may be justified as CRD.A's earnings are expected to grow with 15.22% in the coming years.
PEG (NY)0.45
PEG (5Y)1.99
EPS Next 2Y15.22%
EPS Next 3YN/A

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6

5. CRD.A Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.17%, CRD.A has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.84, CRD.A pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, CRD.A pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.17%

5.2 History

  • The dividend of CRD.A is nicely growing with an annual growth rate of 10.05%!
  • 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)10.05%
Div Incr Years2
Div Non Decr Years4
CRD.A Yearly Dividends per shareCRD.A Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • CRD.A pays out 72.98% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of CRD.A is growing, but earnings are growing more, so the dividend growth is sustainable.
DP72.98%
EPS Next 2Y15.22%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M
CRD.A Dividend Payout.CRD.A Dividend Payout, showing the Payout Ratio.CRD.A Dividend Payout.PayoutRetained Earnings

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CRD.A Fundamentals: All Metrics, Ratios and Statistics

CRAWFORD & COMPANY -CL A

NYSE:CRD.A (3/24/2026, 4:10:00 PM)

After market: 9.78 0 (0%)

9.78

+0.15 (+1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-02
Earnings (Next)05-04
Inst Owners26.26%
Inst Owner Change-2.19%
Ins Owners68.03%
Ins Owner ChangeN/A
Market Cap475.99M
Revenue(TTM)1.31B
Net Income(TTM)19.63M
Analysts87.27
Price Target15.24 (55.83%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.17%
Yearly Dividend0.29
Dividend Growth(5Y)10.05%
DP72.98%
Div Incr Years2
Div Non Decr Years4
Ex-Date02-23
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-13.69%
Min EPS beat(2)-35.75%
Max EPS beat(2)8.38%
EPS beat(4)2
Avg EPS beat(4)-9.56%
Min EPS beat(4)-35.75%
Max EPS beat(4)8.38%
EPS beat(8)3
Avg EPS beat(8)-8.14%
EPS beat(12)6
Avg EPS beat(12)-3.84%
EPS beat(16)7
Avg EPS beat(16)-4.94%
Revenue beat(2)0
Avg Revenue beat(2)-11.34%
Min Revenue beat(2)-11.75%
Max Revenue beat(2)-10.92%
Revenue beat(4)0
Avg Revenue beat(4)-8.93%
Min Revenue beat(4)-11.75%
Max Revenue beat(4)-5.63%
Revenue beat(8)1
Avg Revenue beat(8)-6.21%
Revenue beat(12)1
Avg Revenue beat(12)-5.45%
Revenue beat(16)2
Avg Revenue beat(16)-4.23%
PT rev (1m)1.05%
PT rev (3m)2.85%
EPS NQ rev (1m)-17.33%
EPS NQ rev (3m)-17.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.31%
Revenue NQ rev (1m)-7.52%
Revenue NQ rev (3m)-7.52%
Revenue NY rev (1m)-5%
Revenue NY rev (3m)-5.46%
Valuation
Industry RankSector Rank
PE 10.87
Fwd PE 8.74
P/S 0.36
P/FCF 7.52
P/OCF 4.67
P/B 2.75
P/tB N/A
EV/EBITDA 5.58
EPS(TTM)0.9
EY9.2%
EPS(NY)1.12
Fwd EY11.44%
FCF(TTM)1.3
FCFY13.3%
OCF(TTM)2.09
OCFY21.4%
SpS26.93
BVpS3.56
TBVpS-1.7
PEG (NY)0.45
PEG (5Y)1.99
Graham Number8.49
Profitability
Industry RankSector Rank
ROA 2.57%
ROE 11.34%
ROCE 14.6%
ROIC 8.86%
ROICexc 10.32%
ROICexgc 29.87%
OM 5.07%
PM (TTM) 1.5%
GM 28%
FCFM 4.83%
ROA(3y)3.24%
ROA(5y)2.2%
ROE(3y)16.62%
ROE(5y)9.93%
ROIC(3y)7.89%
ROIC(5y)7.08%
ROICexc(3y)9%
ROICexc(5y)8%
ROICexgc(3y)23.26%
ROICexgc(5y)19.83%
ROCE(3y)13%
ROCE(5y)11.67%
ROICexgc growth 3Y27.25%
ROICexgc growth 5Y16.42%
ROICexc growth 3Y14.94%
ROICexc growth 5Y6.01%
OM growth 3Y6.14%
OM growth 5Y-2.72%
PM growth 3YN/A
PM growth 5Y-11.67%
GM growth 3Y4.02%
GM growth 5Y0.4%
F-Score7
Asset Turnover1.72
Health
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 2.99
Debt/EBITDA 1.41
Cap/Depr 96.27%
Cap/Sales 2.94%
Interest Coverage 3.82
Cash Conversion 95.68%
Profit Quality 322.39%
Current Ratio 1.14
Quick Ratio 1.14
Altman-Z 2.97
F-Score7
WACC7.87%
ROIC/WACC1.13
Cap/Depr(3y)104.57%
Cap/Depr(5y)97.32%
Cap/Sales(3y)2.94%
Cap/Sales(5y)2.87%
Profit Quality(3y)193.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)13.92%
EPS 3Y8.74%
EPS 5Y5.46%
EPS Q2Q%-21.05%
EPS Next Y24.36%
EPS Next 2Y15.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.25%
Revenue growth 3Y2.11%
Revenue growth 5Y5.22%
Sales Q2Q%-11.17%
Revenue Next Year-0.51%
Revenue Next 2Y1.84%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y14.54%
EBIT growth 3Y8.38%
EBIT growth 5Y2.36%
EBIT Next Year60.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y534.76%
FCF growth 3YN/A
FCF growth 5Y2.55%
OCF growth 1Y97.31%
OCF growth 3Y54.47%
OCF growth 5Y1.79%

CRAWFORD & COMPANY -CL A / CRD.A Fundamental Analysis FAQ

What is the fundamental rating for CRD.A stock?

ChartMill assigns a fundamental rating of 5 / 10 to CRD.A.


What is the valuation status for CRD.A stock?

ChartMill assigns a valuation rating of 6 / 10 to CRAWFORD & COMPANY -CL A (CRD.A). This can be considered as Fairly Valued.


Can you provide the profitability details for CRAWFORD & COMPANY -CL A?

CRAWFORD & COMPANY -CL A (CRD.A) has a profitability rating of 5 / 10.


Can you provide the financial health for CRD.A stock?

The financial health rating of CRAWFORD & COMPANY -CL A (CRD.A) is 6 / 10.


How sustainable is the dividend of CRAWFORD & COMPANY -CL A (CRD.A) stock?

The dividend rating of CRAWFORD & COMPANY -CL A (CRD.A) is 6 / 10 and the dividend payout ratio is 72.98%.