CRAWFORD & CO -CL B (CRD.B) Fundamental Analysis & Valuation

NYSE:CRD.B • US2246331076

10.51 USD
+0.06 (+0.57%)
Last: Mar 5, 2026, 08:04 PM
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This CRD.B fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, CRD.B scores 5 out of 10 in our fundamental rating. CRD.B was compared to 149 industry peers in the Insurance industry. Both the profitability and the financial health of CRD.B get a neutral evaluation. Nothing too spectacular is happening here. CRD.B has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

5

1. CRD.B Profitability Analysis

1.1 Basic Checks

  • In the past year CRD.B was profitable.
  • In the past year CRD.B had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: CRD.B reported negative net income in multiple years.
  • Of the past 5 years CRD.B 4 years had a positive operating cash flow.
CRD.B Yearly Net Income VS EBIT VS OCF VS FCFCRD.B 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 0 20M 40M 60M 80M 100M

1.2 Ratios

  • CRD.B has a better Return On Assets (4.08%) than 75.84% of its industry peers.
  • With a decent Return On Equity value of 17.40%, CRD.B is doing good in the industry, outperforming 75.84% of the companies in the same industry.
  • CRD.B has a Return On Invested Capital of 8.52%. This is amongst the best in the industry. CRD.B outperforms 91.28% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CRD.B is significantly below the industry average of 15.27%.
  • The last Return On Invested Capital (8.52%) for CRD.B is above the 3 year average (7.40%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.08%
ROE 17.4%
ROIC 8.52%
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.B Yearly ROA, ROE, ROICCRD.B Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

1.3 Margins

  • With a Profit Margin value of 2.42%, CRD.B is not doing good in the industry: 77.18% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of CRD.B has grown nicely.
  • CRD.B's Operating Margin of 5.17% is on the low side compared to the rest of the industry. CRD.B is outperformed by 77.85% of its industry peers.
  • In the last couple of years the Operating Margin of CRD.B has declined.
  • Looking at the Gross Margin, with a value of 27.95%, CRD.B belongs to the top of the industry, outperforming 88.59% of the companies in the same industry.
  • CRD.B's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 5.17%
PM (TTM) 2.42%
GM 27.95%
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.B Yearly Profit, Operating, Gross MarginsCRD.B Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15 20 25

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5

2. CRD.B Health Analysis

2.1 Basic Checks

  • CRD.B has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • There is no outstanding debt for CRD.B. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CRD.B Yearly Shares OutstandingCRD.B Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CRD.B Yearly Total Debt VS Total AssetsCRD.B Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

  • An Altman-Z score of 3.06 indicates that CRD.B is not in any danger for bankruptcy at the moment.
  • CRD.B has a Altman-Z score of 3.06. This is amongst the best in the industry. CRD.B outperforms 95.97% of its industry peers.
  • The Debt to FCF ratio of CRD.B is 4.16, which is a neutral value as it means it would take CRD.B, 4.16 years of fcf income to pay off all of its debts.
  • CRD.B has a Debt to FCF ratio of 4.16. This is in the lower half of the industry: CRD.B underperforms 60.40% of its industry peers.
  • CRD.B has a Debt/Equity ratio of 1.05. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.05, CRD.B is not doing good in the industry: 86.58% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF 4.16
Altman-Z 3.06
ROIC/WACC1.08
WACC7.88%
CRD.B Yearly LT Debt VS Equity VS FCFCRD.B Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M 200M

2.3 Liquidity

  • CRD.B has a Current Ratio of 1.36. This is a normal value and indicates that CRD.B is financially healthy and should not expect problems in meeting its short term obligations.
  • CRD.B has a better Current ratio (1.36) than 85.23% of its industry peers.
  • CRD.B has a Quick Ratio of 1.36. This is a normal value and indicates that CRD.B is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.36, CRD.B belongs to the top of the industry, outperforming 85.23% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.36
Quick Ratio 1.36
CRD.B Yearly Current Assets VS Current LiabilitesCRD.B Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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

3

3. CRD.B 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.B shows a small growth in Earnings Per Share. The EPS has been growing by 5.46% on average per year.
EPS 1Y (TTM)13.92%
EPS 3Y8.74%
EPS 5Y5.46%
EPS Q2Q%-21.05%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-11.17%

3.2 Future

  • CRD.B is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.22% yearly.
  • CRD.B is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.16% yearly.
EPS Next Y24.36%
EPS Next 2Y15.22%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.51%
Revenue Next 2Y5.16%
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.
CRD.B Yearly Revenue VS EstimatesCRD.B Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B
CRD.B Yearly EPS VS EstimatesCRD.B 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.B Valuation Analysis

4.1 Price/Earnings Ratio

  • CRD.B is valuated reasonably with a Price/Earnings ratio of 11.68.
  • Compared to the rest of the industry, the Price/Earnings ratio of CRD.B is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of CRD.B to the average of the S&P500 Index (26.74), we can say CRD.B is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.39, which indicates a very decent valuation of CRD.B.
  • 62.42% of the companies in the same industry are more expensive than CRD.B, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 24.82. CRD.B is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.68
Fwd PE 9.39
CRD.B Price Earnings VS Forward Price EarningsCRD.B Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CRD.B is valued a bit cheaper than the industry average as 73.15% of the companies are valued more expensively.
  • CRD.B's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.86
EV/EBITDA 6.12
CRD.B Per share dataCRD.B EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

  • CRD.B's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CRD.B's earnings are expected to grow with 15.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)2.14
EPS Next 2Y15.22%
EPS Next 3YN/A

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6

5. CRD.B Dividend Analysis

5.1 Amount

  • CRD.B has a Yearly Dividend Yield of 2.87%. Purely for dividend investing, there may be better candidates out there.
  • CRD.B's Dividend Yield is a higher than the industry average which is at 2.50.
  • Compared to an average S&P500 Dividend Yield of 1.82, CRD.B pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.87%

5.2 History

  • The dividend of CRD.B has a limited annual growth rate of 2.90%.
  • CRD.B has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CRD.B has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.9%
Div Incr Years2
Div Non Decr Years4
CRD.B Yearly Dividends per shareCRD.B 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

  • 43.18% of the earnings are spent on dividend by CRD.B. This is a bit on the high side, but may be sustainable.
  • CRD.B's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.18%
EPS Next 2Y15.22%
EPS Next 3YN/A
CRD.B Yearly Income VS Free CF VS DividendCRD.B Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M
CRD.B Dividend Payout.CRD.B Dividend Payout, showing the Payout Ratio.CRD.B Dividend Payout.PayoutRetained Earnings

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CRD.B Fundamentals: All Metrics, Ratios and Statistics

CRAWFORD & CO -CL B

NYSE:CRD.B (3/5/2026, 8:04:00 PM)

10.51

+0.06 (+0.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-02
Earnings (Next)05-04
Inst Owners26.45%
Inst Owner Change-0.98%
Ins Owners68.03%
Ins Owner ChangeN/A
Market Cap517.20M
Revenue(TTM)N/A
Net Income(TTM)32.60M
Analysts87.27
Price Target14.28 (35.87%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.87%
Yearly Dividend0.28
Dividend Growth(5Y)2.9%
DP43.18%
Div Incr Years2
Div Non Decr Years4
Ex-Date02-23
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.22%
Min EPS beat(2)-12.82%
Max EPS beat(2)8.38%
EPS beat(4)2
Avg EPS beat(4)-5.57%
Min EPS beat(4)-19.8%
Max EPS beat(4)8.38%
EPS beat(8)3
Avg EPS beat(8)-12.47%
EPS beat(12)7
Avg EPS beat(12)1.76%
EPS beat(16)7
Avg EPS beat(16)-6.64%
Revenue beat(2)0
Avg Revenue beat(2)-9.58%
Min Revenue beat(2)-11.75%
Max Revenue beat(2)-7.4%
Revenue beat(4)1
Avg Revenue beat(4)-5.75%
Min Revenue beat(4)-11.75%
Max Revenue beat(4)1.78%
Revenue beat(8)1
Avg Revenue beat(8)-6.03%
Revenue beat(12)2
Avg Revenue beat(12)-3.99%
Revenue beat(16)3
Avg Revenue beat(16)-3.18%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.85%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-2.37%
Revenue NQ rev (3m)-0.81%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.72%
Valuation
Industry RankSector Rank
PE 11.68
Fwd PE 9.39
P/S 0.38
P/FCF 9.86
P/OCF 5.61
P/B 2.76
P/tB N/A
EV/EBITDA 6.12
EPS(TTM)0.9
EY8.56%
EPS(NY)1.12
Fwd EY10.65%
FCF(TTM)1.07
FCFY10.14%
OCF(TTM)1.87
OCFY17.83%
SpS27.41
BVpS3.81
TBVpS-1.55
PEG (NY)0.48
PEG (5Y)2.14
Graham Number8.78
Profitability
Industry RankSector Rank
ROA 4.08%
ROE 17.4%
ROCE 13.26%
ROIC 8.52%
ROICexc 9.8%
ROICexgc 23.16%
OM 5.17%
PM (TTM) 2.42%
GM 27.95%
FCFM 3.89%
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%
ROICexgc growth 3Y8.36%
ROICexgc 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-Score9
Asset Turnover1.69
Health
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF 4.16
Debt/EBITDA 1.81
Cap/Depr 102.59%
Cap/Sales 2.95%
Interest Coverage 250
Cash Conversion 85.02%
Profit Quality 160.92%
Current Ratio 1.36
Quick Ratio 1.36
Altman-Z 3.06
F-Score9
WACC7.88%
ROIC/WACC1.08
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-11.17%
Revenue Next Year6.51%
Revenue Next 2Y5.16%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y49.29%
EBIT growth 3Y4.76%
EBIT growth 5Y-2.08%
EBIT Next Year64.67%
EBIT Next 3Y25.22%
EBIT Next 5YN/A
FCF growth 1Y-29.63%
FCF growth 3Y-24.71%
FCF growth 5Y-28.7%
OCF growth 1Y-17.57%
OCF growth 3Y-1.69%
OCF growth 5Y-7.25%

CRAWFORD & CO -CL B / CRD.B FAQ

What is the ChartMill fundamental rating of CRAWFORD & CO -CL B (CRD.B) stock?

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


Can you provide the valuation status for CRAWFORD & CO -CL B?

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


What is the profitability of CRD.B stock?

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


How financially healthy is CRAWFORD & CO -CL B?

The financial health rating of CRAWFORD & CO -CL B (CRD.B) is 5 / 10.


What is the earnings growth outlook for CRAWFORD & CO -CL B?

The Earnings per Share (EPS) of CRAWFORD & CO -CL B (CRD.B) is expected to grow by 24.36% in the next year.