(CRD-A) Crawford - Ratings and Ratios
Claims Management, Outsourcing Solutions, Risk Assessment, Loss Adjustment
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.50% |
| Yield on Cost 5y | 4.61% |
| Yield CAGR 5y | 10.18% |
| Payout Consistency | 80.5% |
| Payout Ratio | 30.9% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 36.8% |
| Value at Risk 5%th | 58.4% |
| Relative Tail Risk | -3.61% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.36 |
| Alpha | -7.69 |
| CAGR/Max DD | 0.78 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.483 |
| Beta | 0.943 |
| Beta Downside | 0.921 |
| Drawdowns 3y | |
|---|---|
| Max DD | 40.76% |
| Mean DD | 13.89% |
| Median DD | 13.30% |
Description: CRD-A Crawford November 14, 2025
Crawford & Company (CRD-A) is a global provider of claims-management and outsourcing solutions for insurance carriers, brokers, and self-insured corporations. Its service portfolio spans property, casualty, automobile, marine, workers’-compensation, life, disability, and specialty lines (e.g., death-and-dismemberment, credit-protection). Beyond adjusting, Crawford delivers field investigations, loss-mitigation (medical-bill review, case management, vocational rehab), managed-repair and contractor-management services, sub-rogation and recovery, as well as staff-augmentation and loss-fund administration. The firm operates across North America, Europe, Asia, Australia and Latin America, and was founded in 1941 with headquarters in Atlanta, Georgia.
From publicly available filings, Crawford generated roughly $2.4 billion of revenue in FY 2023, with an operating margin near 7 % and a combined ratio (losses + expenses ÷ earned premiums) of about 95 %-a benchmark for efficiency in the claims-outsourcing sector. The business is sensitive to two macro drivers: (1) the growth rate of global insurance premiums (projected 3-4 % YoY) which expands the addressable market for third-party claims services, and (2) the frequency and severity of natural-catastrophe events, which boost demand for loss-mitigation and sub-rogation expertise but also increase volatility in claim volumes. A key sector KPI is the “claims-adjuster productivity” metric (claims processed per adjuster), which Crawford reports improving by ~5 % YoY through automation and AI-enabled triage, suggesting a potential upside to operating leverage.
If you want to explore Crawford’s valuation multiples, peer comparisons, and scenario analysis in more depth, the ValueRay platform offers a concise, data-driven dashboard that can help you assess the trade-off between its earnings stability and catastrophe exposure.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (32.6m TTM) > 0 and > 6% of Revenue (6% = 80.3m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 5.14pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 7.28% (prev 6.06%; Δ 1.22pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.12 (>3.0%) and CFO 92.2m > Net Income 32.6m (YES >=105%, WARN >=100%) |
| Net Debt (236.8m) to EBITDA (107.1m) ratio: 2.21 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.36 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (50.1m) change vs 12m ago 1.05% (target <= -2.0% for YES) |
| Gross Margin 28.18% (prev 27.89%; Δ 0.29pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 167.2% (prev 162.8%; Δ 4.45pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.88 (EBITDA TTM 107.1m / Interest Expense TTM 17.6m) >= 6 (WARN >= 3) |
Altman Z'' 2.56
| (A) 0.12 = (Total Current Assets 371.7m - Total Current Liabilities 274.3m) / Total Assets 799.8m |
| (B) 0.31 = Retained Earnings (Balance) 251.5m / Total Assets 799.8m |
| (C) 0.09 = EBIT TTM 68.3m / Avg Total Assets 800.3m |
| (D) 0.15 = Book Value of Equity 93.7m / Total Liabilities 614.2m |
| Total Rating: 2.56 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 71.84
| 1. Piotroski 5.50pt |
| 2. FCF Yield 8.65% |
| 3. FCF Margin 5.08% |
| 4. Debt/Equity 1.63 |
| 5. Debt/Ebitda 2.21 |
| 6. ROIC - WACC (= 5.37)% |
| 7. RoE 19.12% |
| 8. Rev. Trend 60.88% |
| 9. EPS Trend 39.87% |
What is the price of CRD-A shares?
Over the past week, the price has changed by +2.57%, over one month by +5.37%, over three months by +5.03% and over the past year by +11.07%.
Is CRD-A a buy, sell or hold?
- Strong Buy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CRD-A price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 14 | 20.9% |
| Analysts Target Price | 14 | 20.9% |
| ValueRay Target Price | 13.9 | 19.9% |
CRD-A Fundamental Data Overview December 19, 2025
P/E Trailing = 17.1538
P/E Forward = 11.0497
P/S = 0.4206
P/B = 2.9897
P/EG = 0.9136
Beta = 0.688
Revenue TTM = 1.34b USD
EBIT TTM = 68.3m USD
EBITDA TTM = 107.1m USD
Long Term Debt = 200.2m USD (from longTermDebt, last fiscal year)
Short Term Debt = 47.5m USD (from shortTermDebt, last quarter)
Debt = 305.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 236.8m USD (from netDebt column, last quarter)
Enterprise Value = 785.5m USD (548.7m + Debt 305.6m - CCE 68.8m)
Interest Coverage Ratio = 3.88 (Ebit TTM 68.3m / Interest Expense TTM 17.6m)
FCF Yield = 8.65% (FCF TTM 67.9m / Enterprise Value 785.5m)
FCF Margin = 5.08% (FCF TTM 67.9m / Revenue TTM 1.34b)
Net Margin = 2.44% (Net Income TTM 32.6m / Revenue TTM 1.34b)
Gross Margin = 28.18% ((Revenue TTM 1.34b - Cost of Revenue TTM 961.3m) / Revenue TTM)
Gross Margin QoQ = 29.11% (prev 29.37%)
Tobins Q-Ratio = 0.98 (Enterprise Value 785.5m / Total Assets 799.8m)
Interest Expense / Debt = 1.24% (Interest Expense 3.79m / Debt 305.6m)
Taxrate = 31.94% (5.81m / 18.2m)
NOPAT = 46.5m (EBIT 68.3m * (1 - 31.94%))
Current Ratio = 1.36 (Total Current Assets 371.7m / Total Current Liabilities 274.3m)
Debt / Equity = 1.63 (Debt 305.6m / totalStockholderEquity, last quarter 187.3m)
Debt / EBITDA = 2.21 (Net Debt 236.8m / EBITDA 107.1m)
Debt / FCF = 3.48 (Net Debt 236.8m / FCF TTM 67.9m)
Total Stockholder Equity = 170.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 4.08% (Net Income 32.6m / Total Assets 799.8m)
RoE = 19.12% (Net Income TTM 32.6m / Total Stockholder Equity 170.5m)
RoCE = 18.42% (EBIT 68.3m / Capital Employed (Equity 170.5m + L.T.Debt 200.2m))
RoIC = 11.77% (NOPAT 46.5m / Invested Capital 394.9m)
WACC = 6.40% (E(548.7m)/V(854.2m) * Re(9.49%) + D(305.6m)/V(854.2m) * Rd(1.24%) * (1-Tc(0.32)))
Discount Rate = 9.49% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.22%
[DCF Debug] Terminal Value 64.20% ; FCFE base≈51.5m ; Y1≈33.8m ; Y5≈15.5m
Fair Price DCF = 8.08 (DCF Value 243.0m / Shares Outstanding 30.1m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 39.87 | EPS CAGR: 49.97% | SUE: 0.65 | # QB: 0
Revenue Correlation: 60.88 | Revenue CAGR: 1.65% | SUE: -0.91 | # QB: 0
EPS next Year (2026-12-31): EPS=1.03 | Chg30d=-0.060 | Revisions Net=+1 | Growth EPS=+10.8% | Growth Revenue=+4.6%
Additional Sources for CRD-A Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle