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

NYSE:CRD.A • US2246332066

Current stock price

10.77 USD
-0.12 (-1.1%)
At close:
10.77 USD
0 (0%)
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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

  • CRD.A had positive earnings in the past year.
  • CRD.A had a positive operating cash flow in the past year.
  • CRD.A had positive earnings in 4 of the past 5 years.
  • In the past 5 years CRD.A always reported a positive cash flow from operatings.
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 in line with its industry peers.
  • The Return On Equity of CRD.A (11.34%) is comparable to the rest of the industry.
  • CRD.A has a better Return On Invested Capital (8.86%) than 87.07% 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 9.51%.
  • 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

  • The Profit Margin of CRD.A (1.50%) is worse than 82.31% of its industry peers.
  • CRD.A's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 5.07%, CRD.A is doing worse than 80.27% of the companies in the same industry.
  • CRD.A's Operating Margin has declined in the last couple of years.
  • CRD.A's Gross Margin of 28.00% is amongst the best of the industry. CRD.A outperforms 87.76% of its industry peers.
  • CRD.A's Gross Margin has been stable in the last couple of years.
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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7

2. CRD.A Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so CRD.A is still creating some value.
  • CRD.A has less shares outstanding than it did 1 year ago.
  • CRD.A has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CRD.A has an improved debt to assets ratio.
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 3.04. This indicates that CRD.A is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of CRD.A (3.04) is better than 93.88% of its industry peers.
  • CRD.A has a debt to FCF ratio of 2.99. This is a good value and a sign of high solvency as CRD.A would need 2.99 years to pay back of all of its debts.
  • The Debt to FCF ratio of CRD.A (2.99) is comparable to the rest of the industry.
  • CRD.A has a Debt/Equity ratio of 0.87. This is a neutral value indicating CRD.A is somewhat dependend on debt financing.
  • CRD.A has a worse Debt to Equity ratio (0.87) than 87.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.87
Debt/FCF 2.99
Altman-Z 3.04
ROIC/WACC1.13
WACC7.86%
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.
  • CRD.A's Current ratio of 1.14 is amongst the best of the industry. CRD.A outperforms 82.99% of its industry peers.
  • 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 82.99% 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.
  • CRD.A shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.46% yearly.
  • CRD.A shows a decrease in Revenue. In the last year, the revenue decreased by -2.25%.
  • Measured over the past years, CRD.A shows a small growth in Revenue. The Revenue has been growing by 5.22% on average per year.
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

  • The Earnings Per Share is expected to grow by 12.88% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 1.84% on average over the next years.
EPS Next Y14.44%
EPS Next 2Y12.88%
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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5

4. CRD.A Valuation Analysis

4.1 Price/Earnings Ratio

  • CRD.A is valuated reasonably with a Price/Earnings ratio of 11.97.
  • CRD.A's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.89. CRD.A is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 10.46, the valuation of CRD.A can be described as very reasonable.
  • CRD.A's Price/Forward Earnings ratio is in line with the industry average.
  • CRD.A's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.50.
Industry RankSector Rank
PE 11.97
Fwd PE 10.46
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

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CRD.A is valued a bit cheaper than the industry average as 72.79% of the companies are valued more expensively.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as CRD.A.
Industry RankSector Rank
P/FCF 8.32
EV/EBITDA 6.18
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

  • CRD.A's 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 12.88% in the coming years.
PEG (NY)0.83
PEG (5Y)2.19
EPS Next 2Y12.88%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CRD.A Dividend Analysis

5.1 Amount

  • CRD.A has a Yearly Dividend Yield of 2.97%. Purely for dividend investing, there may be better candidates out there.
  • CRD.A's Dividend Yield is a higher than the industry average which is at 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.82, CRD.A pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.97%

5.2 History

  • On average, the dividend of CRD.A grows each year by 10.05%, which is quite nice.
  • 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 past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)10.05%
Div Incr Years3
Div Non Decr Years5
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

  • 72.98% of the earnings are spent on dividend by CRD.A. This is not a sustainable payout ratio.
  • CRD.A's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP72.98%
EPS Next 2Y12.88%
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 (4/20/2026, 4:15:00 PM)

After market: 10.77 0 (0%)

10.77

-0.12 (-1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-02
Earnings (Next)05-04
Inst Owners26.45%
Inst Owner Change0.06%
Ins Owners68.25%
Ins Owner ChangeN/A
Market Cap526.76M
Revenue(TTM)1.31B
Net Income(TTM)19.63M
Analysts87.27
Price Target15.24 (41.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.97%
Yearly Dividend0.29
Dividend Growth(5Y)10.05%
DP72.98%
Div Incr Years3
Div Non Decr Years5
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)0%
PT rev (3m)4.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-17.33%
EPS NY rev (1m)-7.98%
EPS NY rev (3m)-7.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-5%
Valuation
Industry RankSector Rank
PE 11.97
Fwd PE 10.46
P/S 0.4
P/FCF 8.32
P/OCF 5.17
P/B 3.04
P/tB N/A
EV/EBITDA 6.18
EPS(TTM)0.9
EY8.36%
EPS(NY)1.03
Fwd EY9.56%
FCF(TTM)1.29
FCFY12.02%
OCF(TTM)2.08
OCFY19.33%
SpS26.8
BVpS3.54
TBVpS-1.69
PEG (NY)0.83
PEG (5Y)2.19
Graham Number8.46552 (-21.4%)
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 3.04
F-Score7
WACC7.86%
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 Y14.44%
EPS Next 2Y12.88%
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 Year53.69%
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 6 / 10 to CRD.A.


What is the valuation status for CRD.A stock?

ChartMill assigns a valuation rating of 5 / 10 to CRAWFORD & COMPANY -CL A (CRD.A). This can be considered as Fairly Valued.


What is the profitability of CRD.A stock?

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


How financially healthy is CRAWFORD & COMPANY -CL A?

The financial health rating of CRAWFORD & COMPANY -CL A (CRD.A) is 7 / 10.


What is the earnings growth outlook for CRAWFORD & COMPANY -CL A?

The Earnings per Share (EPS) of CRAWFORD & COMPANY -CL A (CRD.A) is expected to grow by 14.44% in the next year.