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Crawford & Co (CRD.B) stock analysis

CRD.BNYSEInsurance Agents, Brokers & ServiceFiscal year ends December 31Also trades as CRD.A
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 3, 2026Score 11/30
$12.04+0.24 (+2.03%)

Close on Oct 29, 2026Market cap $575.96MP/E –Yield –

StockData Score

Prices as of Oct 30, 2026How the score works

Value2Growth1Performance3Health2Dividend3

Mixed11 of 30 checks passed

Crawford passes 11 of the 30 checks behind our score; 9 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
1/6
Past performance
3/6
Financial health
2/6
Dividend
3/6

What stands out

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 52.5% of total debt.

  • Covered by free cash flow

    Dividends take 15.3% of free cash flow.

  • Covered by earnings

    Dividends take 62.6% of net income.

  • P/S below the industry

    Crawford's price-to-sales of 0.47 is below the Insurance Agents, Brokers, and Service median of 3.44.

What to watch

  • Return on equity under 15%

    Return on equity was 12.9% over the last twelve months and averaged 11.4% over five years; we look for 15% on both.

  • High debt

    Debt is 106% of shareholders' equity, above the 40% we consider low.

  • Earnings shrank over 5 years

    Net income shrank 7.0% a year on average over the last five fiscal years.

  • Revenue growing under 10% a year

    Revenue grew 2.1% a year over the last three fiscal years, short of the 10% we look for.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Crawford's price-to-sales of 0.47 is below the Insurance Agents, Brokers, and Service median of 3.44.

  • P/B below the industry

    Crawford's price-to-book of 3.27 is below the Insurance Agents, Brokers, and Service median of 4.88.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 2.1% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth not accelerating

    Net income grew -20.6% over the last twelve months, against a 5-year average of -7.0% a year.

  • Growing slower than the industry

    Revenue grew -4.1% over the last twelve months; the Insurance Agents, Brokers, and Service median is 17.7%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin improving

    Gross margin was 27.8% over the last twelve months, against 27.7% a year earlier.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 12.9% over the last twelve months and averaged 11.4% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 3.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    Crawford's return on equity of 12.9% is above the Insurance Agents, Brokers, and Service median of 11.4%.

  • Earnings shrank over 5 years

    Net income shrank 7.0% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 1.8% over the last twelve months, against a 5-year average of 1.4%.

  • Net margin below the industry

    Crawford's net margin of 1.8% is below the Insurance Agents, Brokers, and Service median of 5.4%.

Financial health2/6

  • High debt

    Debt is 106% of shareholders' equity, above the 40% we consider low.

  • Debt rising against equity

    Debt to equity rose from 60.9% five years ago to 106%.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 52.5% of total debt.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term assets cover short-term debts

    Current assets are 1.19 times current liabilities.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend3/6

  • Pays a dividend

    Crawford paid dividends worth 2.4% of the share price over the last twelve months.

  • Yield below Treasuries

    The 2.4% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 4.0% or more; Crawford yields 2.4%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Covered by earnings

    Dividends take 62.6% of net income.

  • Covered by free cash flow

    Dividends take 15.3% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Crawford. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$768.41K
Value traded per 1% price move
$482.32K

Downside

Low risk

Typical loss in a bad month
11.3%
Volatility (annualized)
33%
Sharpe ratio, 1 year
0.35
Beta to the S&P 500 (5Y)
0.80

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Gross margin

28.0%+0.6 pts over 5 years

Net margin

1.5%−1.3 pts over 5 years