Crawford & Company logo

Crawford & Company

CRD-A

NYSEFinancial ServicesInsurance - Brokers

Latest quote

$13.23

+$0.28 · +2.16%

Aug 21, 3:55 PM ET

CRD-A company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

73

Undervalued

Momentum

43

Neutral

Sentiment

37

Bearish

Risk resilience

61

Moderate Risk

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Company profile

Company website

Crawford & Company operates as a global provider of claims and outsourcing services, catering to insurance carriers, brokers, and corporate clients across the United States, the United Kingdom, Europe, Canada, Australia, and various other international regions. Its Crawford Loss Adjusting division delivers claims handling services to insurance providers and self-insured entities, covering a range of risks including property damage, public liability, automotive incidents, and marine losses. The Crawford TPA Solutions segment specializes in comprehensive claims and risk management for corporations, whether they are self-insured or commercially insured. This includes remote claim adjudication, detailed claim evaluations, initial incident reporting for claimants, and strategies for loss mitigation and providing relevant risk information. Additionally, this division oversees dedicated funds for claim disbursements. Its third-party administration services also encompass specialized areas such as workers' compensation, auto and general liability, disability and absence management, medical management, and accident and health products. Furthermore, the company's Crawford Platform Solutions division facilitates insurance-related services through its proprietary channels, such as Contractor Connection and Networks. This segment is equipped to handle significant losses arising from both natural catastrophes (e.g., fires, hailstorms, hurricanes, earthquakes, floods) and man-made disasters (e.g., oil spills, chemical releases). It offers client-focused solutions for a wide spectrum of claim complexities, from routine, high-frequency incidents to extensive, intricate repair projects. The segment also provides outsourced contractor management to both individual and commercial insurance carriers, as well as directly to end consumers. Founded in 1941, Crawford & Company is headquartered in Atlanta, Georgia.

Industry
Insurance - Brokers
Sector
Financial Services
Headquarters
US
CEO
William Bruce Swain Jr.
Listed since
Jul 31, 1990
Employees
9,943

Market position

Volume
35.04K
0.56× average
Average volume
62.04K
Average daily volume
Market cap
650.07M USD
Beta
0.78
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
763.86M USD
P/E (TTM)
27.63×
P/B (TTM)
3.46×
P/S (TTM)
0.5×
EV / EBITDA
8.25×
Earnings yield
3.52%
Free cash flow yield
17.01%
Dividend yield
2.30%

Profitability & efficiency

Gross margin
25.37%
Operating margin
5.77%
Net margin
1.82%
Return on equity
11.34%
Return on assets
2.57%
Return on invested capital
8.32%

Financial health

Debt / equity
1.45×
Current ratio
1.14×
Altman Z-score
3.15
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends30%19%7%-4%Gross margin, FY2021: 25.61%Gross margin, FY2022: 24.88%Gross margin, FY2023: 27.27%Gross margin, FY2024: 27.41%Gross margin, FY2025: 24.50%Operating margin, FY2021: 4.12%Operating margin, FY2022: 4.11%Operating margin, FY2023: 5.51%Operating margin, FY2024: 5.06%Operating margin, FY2025: 5.80%Net margin, FY2021: 2.69%Net margin, FY2022: -1.49%Net margin, FY2023: 2.32%Net margin, FY2024: 1.98%Net margin, FY2025: 1.49%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 25.61%. Gross margin FY2022 24.88%. Gross margin FY2023 27.27%. Gross margin FY2024 27.41%. Gross margin FY2025 24.50%. Operating margin FY2021 4.12%. Operating margin FY2022 4.11%. Operating margin FY2023 5.51%. Operating margin FY2024 5.06%. Operating margin FY2025 5.80%. Net margin FY2021 2.69%. Net margin FY2022 -1.49%. Net margin FY2023 2.32%. Net margin FY2024 1.98%. Net margin FY2025 1.49%.

Income trends

Revenue

1.31B USD-2.00%

Operating income

76.21M USD+12.26%

Net income

19.63M USD-26.18%
Income trends across reported periods1.48B USD933.19M USD389.48M USD−154.23M USDRevenue, FY2021: 1.14B USDRevenue, FY2022: 1.23B USDRevenue, FY2023: 1.32B USDRevenue, FY2024: 1.34B USDRevenue, FY2025: 1.31B USDOperating income, FY2021: 46.95M USDOperating income, FY2022: 50.6M USDOperating income, FY2023: 72.57M USDOperating income, FY2024: 67.88M USDOperating income, FY2025: 76.21M USDNet income, FY2021: 30.69M USDNet income, FY2022: −18.31M USDNet income, FY2023: 30.61M USDNet income, FY2024: 26.6M USDNet income, FY2025: 19.63M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.14B USD. Revenue FY2022 1.23B USD. Revenue FY2023 1.32B USD. Revenue FY2024 1.34B USD. Revenue FY2025 1.31B USD. Operating income FY2021 46.95M USD. Operating income FY2022 50.6M USD. Operating income FY2023 72.57M USD. Operating income FY2024 67.88M USD. Operating income FY2025 76.21M USD. Net income FY2021 30.69M USD. Net income FY2022 −18.31M USD. Net income FY2023 30.61M USD. Net income FY2024 26.6M USD. Net income FY2025 19.63M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.31B USD1.34B USD1.32B USD1.23B USD1.14B USD
Cost of goods sold992.21M USD973.42M USD957.85M USD924.87M USD847.43M USD
Gross profit321.9M USD367.55M USD359.07M USD306.35M USD291.8M USD
Selling, general, and administrative299.66M USD286.51M USD255.75M USD244.85M USD
Operating expenses245.69M USD299.66M USD286.51M USD255.75M USD244.85M USD
Interest income3.29M USD3.44M USD2.77M USD655K USD424K USD
Interest expense17.97M USD20.3M USD19.81M USD10.97M USD6.98M USD
Depreciation and amortization40.04M USD36.2M USD35.74M USD36.1M USD40.18M USD
Operating income76.21M USD67.88M USD72.57M USD50.6M USD46.95M USD
Net income19.63M USD26.6M USD30.61M USD−18.31M USD30.69M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
+2.03%
11 comparable reports
Latest EPS result
0.38
Estimate 0.26 · Beat by 46.15%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.420.320.220.13Q1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 3, 2025: actual 0.19, estimate 0.23, surprise -17.39%, Miss. Q2 2025, reported May 9, 2025: actual 0.21, estimate 0.23, surprise -8.70%, Miss. Q3 2025, reported Aug 4, 2025: actual 0.253, estimate 0.27, surprise -6.37%, Miss. Q4 2025, reported Nov 3, 2025: actual 0.248, estimate 0.16, surprise +54.87%, Beat. Q1 2026, reported Mar 2, 2026: actual 0.15, estimate 0.227, surprise -33.83%, Miss. Q2 2026, reported May 4, 2026: actual 0.16, estimate 0.207, surprise -22.59%, Miss. Q3 2026, reported Aug 3, 2026: actual 0.38, estimate 0.26, surprise +46.15%, Beat. Q4 2026, reported Nov 2, 2026: actual —, estimate 0.307, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates372.65M346.4M320.16M293.91MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 3, 2025: actual 358.32M USD, estimate 334M USD, surprise +7.28%, Beat. Q2 2025, reported May 9, 2025: actual 323.34M USD, estimate 336.53M USD, surprise -3.92%, Miss. Q3 2025, reported Aug 4, 2025: actual 334.6M USD, estimate 350.28M USD, surprise -4.48%, Miss. Q4 2025, reported Nov 3, 2025: actual 322.17M USD, estimate 332.52M USD, surprise -3.11%, Miss. Q1 2026, reported Mar 2, 2026: actual 308.52M USD, estimate 332.55M USD, surprise -7.22%, Miss. Q2 2026, reported May 4, 2026: actual 309.53M USD, estimate 308.24M USD, surprise +0.42%, Beat. Q3 2026, reported Aug 3, 2026: actual 313.7M USD, estimate 326.49M USD, surprise -3.92%, Miss. Q4 2026, reported Nov 2, 2026: actual —, estimate 325.56M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$10.00

24.59% downside
Past 12 months12-month forecastHigh $10.00Average $10.00Low $10.00

Rating distribution

4 ratings

Limited analyst sample: 4 ratings. Interpret the distribution with caution.

Strong buy00%
Buy375%
Hold125%
Sell00%
Strong sell00%

Recent analyst actions

1 institution

CRD-A news

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