📊 CRD-B Key Takeaways
Is Crawford & Co (CRD-B) a Good Investment?
Crawford & Co demonstrates solid operational fundamentals with strong free cash flow generation ($94.8M, 7.2% FCF margin) and improving EPS (+123.8% YoY), but profitability margins remain thin (1.5% net margin) and leverage is elevated (1.09x D/E) with modest interest coverage (2.4x). The company operates efficiently in a cyclical insurance services industry with adequate liquidity but limited margin for operational deterioration.
Crawford & Co shows improving earnings power, with diluted EPS up sharply year over year and free cash flow materially stronger than reported net income, which supports the quality of current results. However, underlying profitability remains thin, with only a 2.6% operating margin and 1.5% net margin, while leverage and modest interest coverage limit balance-sheet flexibility. The fundamentals support stability and gradual improvement, but not a high-conviction bullish view yet.
Why Buy Crawford & Co Stock? CRD-B Key Strengths
- Strong free cash flow generation of $94.8M with healthy 7.2% FCF margin
- Operating cash flow of $101.8M substantially exceeds net income, indicating quality earnings
- Significant EPS growth of 123.8% YoY suggests improving operational efficiency or favorable cost management
- Adequate liquidity position with $64.1M cash and 1.14x current ratio
- Strong cash generation, with approximately $94.83M of free cash flow on $19.63M of net income
- Diluted EPS growth of 123.8% year over year indicates meaningful earnings improvement
- Returns are respectable for the asset base and equity capital, with ROE of 11.3% and ROA of 2.6%
CRD-B Stock Risks: Crawford & Co Investment Risks
- Thin net margin of 1.5% leaves minimal room for revenue volatility or cost pressures
- Elevated leverage at 1.09x D/E with $189M long-term debt against only $173.1M equity
- Weak interest coverage of 2.4x indicates limited ability to service debt during downturns
- High insider trading activity (17 Form 4 filings in 90 days) warrants monitoring for potential concerns
- Operating margin of 2.6% reflects challenging competitive dynamics in insurance services sector
- Profit margins remain very thin, leaving earnings vulnerable to cost pressure or execution issues
- Leverage is meaningful, with debt-to-equity of 1.09x and only 2.4x interest coverage
- Liquidity is adequate but not strong, with a current ratio of 1.14x and limited cushion if working capital worsens
Key Metrics to Watch
- Net profit margin trend - must improve above 2% to demonstrate sustainable profitability
- Debt/Equity ratio - any movement above 1.15x signals deteriorating financial flexibility
- Operating cash flow sustainability - FCF should remain above $90M to support debt service
- Revenue growth trajectory - must offset margin pressure in cyclical insurance market
- Operating margin and net margin progression
- Interest coverage and debt reduction trend
Crawford & Co (CRD-B) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Crawford & Co presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
CRD-B Profit Margin, ROE & Profitability Analysis
CRD-B vs Finance Sector: How Crawford & Co Compares
How Crawford & Co compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Crawford & Co Stock Overvalued? CRD-B Valuation Analysis 2026
Based on fundamental analysis, Crawford & Co has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Crawford & Co Balance Sheet: CRD-B Debt, Cash & Liquidity
CRD-B Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Crawford & Co's revenue has grown significantly by 18% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.62 reflects profitable operations.
CRD-B Revenue Growth, EPS Growth & YoY Performance
CRD-B Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $332.8M | $9.5M | N/A |
| Q2 2025 | $326.9M | $7.8M | N/A |
| Q1 2025 | $313.1M | $2.8M | N/A |
| Q3 2024 | $342.2M | $9.5M | N/A |
| Q2 2024 | $326.9M | $8.4M | N/A |
| Q1 2024 | $313.1M | $2.8M | N/A |
| Q3 2023 | $306.4M | -$4.2M | N/A |
| Q2 2023 | $303.7M | $5.8M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Crawford & Co Dividends, Buybacks & Capital Allocation
CRD-B SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Crawford & Co (CIK: 0000025475)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CRD-B
What is the AI rating for CRD-B?
Crawford & Co (CRD-B) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CRD-B's key strengths?
Claude: Strong free cash flow generation of $94.8M with healthy 7.2% FCF margin. Operating cash flow of $101.8M substantially exceeds net income, indicating quality earnings. ChatGPT: Strong cash generation, with approximately $94.83M of free cash flow on $19.63M of net income. Diluted EPS growth of 123.8% year over year indicates meaningful earnings improvement.
What are the risks of investing in CRD-B?
Claude: Thin net margin of 1.5% leaves minimal room for revenue volatility or cost pressures. Elevated leverage at 1.09x D/E with $189M long-term debt against only $173.1M equity. ChatGPT: Profit margins remain very thin, leaving earnings vulnerable to cost pressure or execution issues. Leverage is meaningful, with debt-to-equity of 1.09x and only 2.4x interest coverage.
What is CRD-B's revenue and growth?
Crawford & Co reported revenue of $1.3B.
Does CRD-B pay dividends?
Crawford & Co pays dividends, with $14.3M distributed to shareholders in the trailing twelve months.
Where can I find CRD-B SEC filings?
Official SEC filings for Crawford & Co (CIK: 0000025475) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CRD-B's EPS?
Crawford & Co has a diluted EPS of $0.48.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CRD-B a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Crawford & Co has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CRD-B stock overvalued or undervalued?
Valuation metrics for CRD-B: ROE of 11.3% (sector avg: 12%), net margin of 1.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CRD-B stock in 2026?
Our dual AI analysis gives Crawford & Co a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CRD-B's free cash flow?
Crawford & Co's operating cash flow is $101.8M, with capital expenditures of $7.0M. FCF margin is 7.2%.
How does CRD-B compare to other Finance stocks?
Vs Finance sector averages: Net margin 1.5% (avg: 25%), ROE 11.3% (avg: 12%), current ratio 1.14 (avg: 1.2).