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

NYSE:CRD.B • US2246331076

10.46 USD
+0.19 (+1.85%)
Last: Feb 12, 2026, 03:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to CRD.B. CRD.B was compared to 149 industry peers in the Insurance industry. CRD.B has only an average score on both its financial health and profitability. CRD.B is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • CRD.B had positive earnings in the past year.
  • In the past year CRD.B had a positive cash flow from operations.
  • Of the past 5 years CRD.B 4 years were profitable.
  • CRD.B had a positive operating cash flow in each of the past 5 years.
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

  • The Return On Assets of CRD.B (4.08%) is better than 77.18% of its industry peers.
  • CRD.B has a Return On Equity of 17.40%. This is amongst the best in the industry. CRD.B outperforms 80.54% of its industry peers.
  • 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.
  • CRD.B had an Average Return On Invested Capital over the past 3 years of 7.40%. This is significantly below the industry average of 14.88%.
  • The 3 year average ROIC (7.40%) for CRD.B is below the current ROIC(8.52%), indicating increased profibility in the last year.
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

  • The Profit Margin of CRD.B (2.42%) is worse than 77.18% of its industry peers.
  • CRD.B's Profit Margin has improved in the last couple of years.
  • CRD.B has a worse Operating Margin (5.17%) than 75.17% of its industry peers.
  • CRD.B's Operating Margin has declined in the last couple of years.
  • With an excellent Gross Margin value of 27.95%, CRD.B belongs to the best of the industry, outperforming 89.93% of the companies in the same industry.
  • In the last couple of years the Gross Margin of CRD.B has remained more or less at the same level.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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.
  • CRD.B has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CRD.B has less shares outstanding
  • The debt/assets ratio for CRD.B is higher compared to a year ago.
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's Debt to FCF ratio of 4.16 is in line compared to the rest of the industry. CRD.B outperforms 42.28% 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.
  • CRD.B has a Debt to Equity ratio of 1.05. This is amonst the worse of the industry: CRD.B underperforms 86.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.05
Debt/FCF 4.16
Altman-Z 3.06
ROIC/WACC1.08
WACC7.91%
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.
  • The Current ratio of CRD.B (1.36) is better than 85.91% of its industry peers.
  • A Quick Ratio of 1.36 indicates that CRD.B should not have too much problems paying its short term obligations.
  • With an excellent Quick ratio value of 1.36, CRD.B belongs to the best of the industry, outperforming 85.91% 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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 42.42% over the past year.
  • The Earnings Per Share has been growing slightly by 4.30% on average over the past years.
  • Looking at the last year, CRD.B shows a small growth in Revenue. The Revenue has grown by 3.49% in the last year.
  • The Revenue has been growing slightly by 5.06% on average over the past years.
EPS 1Y (TTM)42.42%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%45.45%
Revenue 1Y (TTM)3.49%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-2.19%

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 14.79% yearly.
  • Based on estimates for the next years, CRD.B will show a small growth in Revenue. The Revenue will grow by 3.72% on average per year.
EPS Next Y28.21%
EPS Next 2Y19.03%
EPS Next 3Y14.79%
EPS Next 5YN/A
Revenue Next Year0.9%
Revenue Next 2Y3.66%
Revenue Next 3Y3.72%
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.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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.13, the valuation of CRD.B can be described as very reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as CRD.B.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, CRD.B is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.35, which indicates a very decent valuation of CRD.B.
  • Based on the Price/Forward Earnings ratio, CRD.B is valued a bit cheaper than the industry average as 61.74% of the companies are valued more expensively.
  • CRD.B is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.13
Fwd PE 9.35
CRD.B Price Earnings VS Forward Price EarningsCRD.B Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 71.81% of the companies in the same industry are more expensive than CRD.B, based on the Enterprise Value to EBITDA ratio.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as CRD.B.
Industry RankSector Rank
P/FCF 9.81
EV/EBITDA 6.03
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.
  • The decent profitability rating of CRD.B may justify a higher PE ratio.
  • CRD.B's earnings are expected to grow with 14.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)2.59
EPS Next 2Y19.03%
EPS Next 3Y14.79%

More info and screens

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

6

5. Dividend

5.1 Amount

  • CRD.B has a Yearly Dividend Yield of 2.78%.
  • Compared to an average industry Dividend Yield of 2.18, CRD.B pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, CRD.B pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.78%

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 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 2Y19.03%
EPS Next 3Y14.79%
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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Find the best dividend stocksShow peers with best dividend

CRAWFORD & CO -CL B

NYSE:CRD.B (2/12/2026, 3:46:55 PM)

10.46

+0.19 (+1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-03
Earnings (Next)03-02
Inst Owners26.45%
Inst Owner Change-1.07%
Ins Owners68.03%
Ins Owner ChangeN/A
Market Cap514.74M
Revenue(TTM)1.35B
Net Income(TTM)32.60M
Analysts87.27
Price Target14.28 (36.52%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.78%
Yearly Dividend0.28
Dividend Growth(5Y)2.9%
DP43.18%
Div Incr Years2
Div Non Decr Years4
Ex-DateN/A
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)-16.05%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.6%
Revenue NY rev (1m)-1.67%
Revenue NY rev (3m)-4.72%
Valuation
Industry RankSector Rank
PE 11.13
Fwd PE 9.35
P/S 0.38
P/FCF 9.81
P/OCF 5.58
P/B 2.75
P/tB N/A
EV/EBITDA 6.03
EPS(TTM)0.94
EY8.99%
EPS(NY)1.12
Fwd EY10.7%
FCF(TTM)1.07
FCFY10.19%
OCF(TTM)1.87
OCFY17.92%
SpS27.41
BVpS3.81
TBVpS-1.55
PEG (NY)0.39
PEG (5Y)2.59
Graham Number8.97
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
WACC7.91%
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)42.42%
EPS 3Y2.67%
EPS 5Y4.3%
EPS Q2Q%45.45%
EPS Next Y28.21%
EPS Next 2Y19.03%
EPS Next 3Y14.79%
EPS Next 5YN/A
Revenue 1Y (TTM)3.49%
Revenue growth 3Y5.59%
Revenue growth 5Y5.06%
Sales Q2Q%-2.19%
Revenue Next Year0.9%
Revenue Next 2Y3.66%
Revenue Next 3Y3.72%
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 6 / 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 6 / 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 28.21% in the next year.