📊 CRD-B Key Takeaways
Investment Thesis
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.
CRD-B 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
CRD-B 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
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
CRD-B Financial Metrics
💡 AI Analyst Insight
CRAWFORD & CO presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
CRD-B Profitability Ratios
CRD-B vs Finance Sector
How CRAWFORD & CO compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CRD-B Balance Sheet & Liquidity
CRD-B 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 Growth Metrics (YoY)
CRD-B Quarterly 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.
CRD-B Capital Allocation
CRD-B SEC Filings
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 an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CRD-B's 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.
What are the risks of investing in CRD-B?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.