CRD-A Financial ServicesBeta data

Crawford & Company

$11.30-9.16%

Price as of close on Nov 3, 2026 · Financials updated Oct 8, 2026

Basics

Sector: Financial Services
Industry: Insurance Brokers
Country: United States
Market cap: 537.8M USD
Full-time employees: 8,757

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: higher risk than most peers: less short-term liquidity (current ratio 1.19 vs a peer median of 2.02) and more debt relative to equity (1.47× vs a peer median of 0.57×)higher risk: less liquidity (current ratio 1.19 vs peers 2.02) and more debt vs equity (1.47× vs peers 0.57×)
About average: valuation

Ranks #166 of 232 financial services companies (bottom 29%)

See how it ranks against its peers

Worth knowing

Stock pay is large next to buybacks. Stock-based pay expense $17M vs $17M spent repurchasing shares over the 3 fiscal years to 2025.
Over three fiscal years Crawford recorded $17M of stock-based pay expense and spent $17M repurchasing shares (repurchases can include shares withheld to cover employees' taxes).Over three fiscal years Crawford recorded $17M of stock-based pay expense and spent $17M repurchasing shares.
Revenue is falling. Revenue fell 4.1% in the 12 months to June 2026 vs the 12 months before.
Crawford's revenue fell 4.1% in the 12 months to June 2026 vs the 12 months before.

StockQuotient Score

43/ 100▲ 1 since Oct 27 close

Oct 5 51 → Nov 4 43 (-8)

Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

59/100

Moderate▲ 4 since Oct 27 close

2/3 inputs reported · Partial data

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 55 → 59

Peer companies moved+4

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ EBITDA yield
▼ Earnings yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield4.2%

Yahoo Finance · trailing 12 monthsReported value30% base weight · Z-score -0.42Sector median: 0.0571 · MAD: 0.0371

EBITDA yield10.6%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score 0.88Sector median: 0.0689 · MAD: 0.0428

Free cash flow yieldUnavailable

Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.0613 · MAD: 0.0605

Other data (not scored)

Book yield34.0%

Yahoo FinanceReported valueInformational · 0% composite weightSector median: 0.8352 · MAD: 0.4517

Growth

Is it growing?

19/100

Weak

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth
▼ 3-yr revenue
▼ Revenue growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth-26.4%

Yahoo Finance · fiscal year to Dec 2025Reported value33% base weight · Z-score -1.31Sector median: 0.0999 · MAD: 0.2773

3-year revenue growth-0.1%

SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score -1.17Sector median: 0.0999 · MAD: 0.0858

Revenue growth-4.1%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.78Sector median: 0.0742 · MAD: 0.1477

Profitability

Does it earn well?

65/100

Moderate▼ 1 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Score 66 → 65

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ ROIC

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin5.6%

Yahoo Finance · fiscal year to Dec 2025Reported value33% base weight · Z-score -1.23Sector median: 0.2353 · MAD: 0.1462

Return on assets3.1%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.24Sector median: 0.0256 · MAD: 0.0233

Return on invested capital23.7%

Yahoo Finance · trailing 12 monthsReported value33% base weight · Z-score 3.36Sector median: 0.0630 · MAD: 0.0518

Other data (not scored)

Gross margin28.7%

Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122

Return on equity13.0%

Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702

Risk

Debt, liquidity, price swings

Higher

Higher relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ Debt / equity
▼ Current ratio

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta0.62

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score 0.27Sector median: 0.7010 · MAD: 0.3115

Current ratio1.19×

Yahoo FinanceReported value33% base weight · Z-score -0.67Sector median: 2.0250 · MAD: 1.2470

Debt / equity1.47×

Yahoo FinanceReported value33% base weight · Z-score -1.64Sector median: 0.5734 · MAD: 0.5454

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Crawford

Is Crawford getting weaker?: Its latest SEC filing (Aug 3, 2026) showed no major changes. Its overall score is 43/100, up 1 since Oct 28, 2026.
How is Crawford valued vs its peers?: Priced about in line with its peers. Valuation scores 59/100 against 432 financial services peers. EBITDA yield 10.6% vs a peer median of 6.9% (stronger than 71% of peers).EBITDA yield 10.6% vs peers 6.9% (stronger than 71% of peers). Earnings yield 4.2% vs a peer median of 5.7% (weaker than 63% of peers).Earnings yield 4.2% vs peers 5.7% (weaker than 63% of peers).
Is Crawford growing?: More slowly than most of its peers. Growth scores 19/100 against 432 financial services peers. Earnings per share growth -26.4% vs a peer median of 10.0% (weaker than 81% of peers).Earnings per share growth -26.4% vs peers 10.0% (weaker than 81% of peers).
How profitable is Crawford?: More profitable than most of its peers. Profitability scores 65/100 against 432 financial services peers. Return on invested capital 23.7% vs a peer median of 6.3% (stronger than 83% of peers).Return on invested capital 23.7% vs peers 6.3% (stronger than 83% of peers). Operating margin 5.6% vs a peer median of 23.5% (weaker than 79% of peers).Operating margin 5.6% vs peers 23.5% (weaker than 79% of peers).
How risky is Crawford?: Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Debt / equity 1.47× vs a peer median of 0.57× (weaker than 70% of peers).Debt / equity 1.47× vs peers 0.57× (weaker than 70% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 3, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	1.3B USD	1.3B USD	−0.3%
Net income (12 months)	17.9M USD	23.6M USD	+31.7%
Free cash flow (12 months)	111.1M USD	96.1M USD	−13.5%
Debt	194.1M USD	198.1M USD	+2.1%
Cash	54.5M USD	69.4M USD	+27.4%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Financial Services · 98 companies

Valuations in Financial Services are above their usual range since 2016.

67% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
Median price-to-sales is +30% vs the whole market, against a usual +47%.

2016Shaded: most expensive fifth of its range2026

Shown for Financial Services: too few Insurance Brokers companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	3.5%	0.3%	4.2%	3.8%	3.4%	▼ 0.4 pts
Net margin	2.7%	-1.5%	2.3%	2.0%	1.5%	▼ 0.5 pts
Return on assets (ROA)	3.6%	-2.3%	3.8%	3.3%	2.6%	▼ 0.7 pts
Return on equity (ROE)	14.5%	-14.7%	21.6%	16.9%	11.3%	▼ 5.6 pts
Debt to equity	0.87×	2.13×	1.58×	1.50×	1.31×	▼ 12%
Interest coverage	6.16×	0.34×	3.26×	3.03×	3.01×	▼ 0.5%

CRD-A price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: higher risk than most peers: less short-term liquidity (current ratio 1.19 vs a peer median of 2.02) and more debt relative to equity (1.47× vs a peer median of 0.57×)higher risk: less liquidity (current ratio 1.19 vs peers 2.02) and more debt vs equity (1.47× vs peers 0.57×)

About average: valuation

Ranks #166 of 232 financial services companies (bottom 29%)

See how it ranks against its peers

Worth knowing

Stock pay is large next to buybacks. Stock-based pay expense $17M vs $17M spent repurchasing shares over the 3 fiscal years to 2025.

Over three fiscal years Crawford recorded $17M of stock-based pay expense and spent $17M repurchasing shares (repurchases can include shares withheld to cover employees' taxes).Over three fiscal years Crawford recorded $17M of stock-based pay expense and spent $17M repurchasing shares.

Revenue is falling. Revenue fell 4.1% in the 12 months to June 2026 vs the 12 months before.

Crawford's revenue fell 4.1% in the 12 months to June 2026 vs the 12 months before.

Questions investors ask about Crawford

Is Crawford getting weaker?

Its latest SEC filing (Aug 3, 2026) showed no major changes. Its overall score is 43/100, up 1 since Oct 28, 2026.

How is Crawford valued vs its peers?

Priced about in line with its peers. Valuation scores 59/100 against 432 financial services peers. EBITDA yield 10.6% vs a peer median of 6.9% (stronger than 71% of peers).EBITDA yield 10.6% vs peers 6.9% (stronger than 71% of peers). Earnings yield 4.2% vs a peer median of 5.7% (weaker than 63% of peers).Earnings yield 4.2% vs peers 5.7% (weaker than 63% of peers).

Is Crawford growing?

More slowly than most of its peers. Growth scores 19/100 against 432 financial services peers. Earnings per share growth -26.4% vs a peer median of 10.0% (weaker than 81% of peers).Earnings per share growth -26.4% vs peers 10.0% (weaker than 81% of peers).

How profitable is Crawford?

More profitable than most of its peers. Profitability scores 65/100 against 432 financial services peers. Return on invested capital 23.7% vs a peer median of 6.3% (stronger than 83% of peers).Return on invested capital 23.7% vs peers 6.3% (stronger than 83% of peers). Operating margin 5.6% vs a peer median of 23.5% (weaker than 79% of peers).Operating margin 5.6% vs peers 23.5% (weaker than 79% of peers).

How risky is Crawford?

Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Debt / equity 1.47× vs a peer median of 0.57× (weaker than 70% of peers).Debt / equity 1.47× vs peers 0.57× (weaker than 70% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

1.3B USD

1.3B USD

−0.3%

Net income (12 months)

17.9M USD

23.6M USD

+31.7%

Free cash flow (12 months)

111.1M USD

96.1M USD

−13.5%

Debt

194.1M USD

198.1M USD

+2.1%

Cash

54.5M USD

69.4M USD

+27.4%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

3.5%

0.3%

4.2%

3.8%

3.4%

▼ 0.4 pts

Net margin

2.7%

-1.5%

2.3%

2.0%

1.5%

▼ 0.5 pts

Return on assets (ROA)

3.6%

-2.3%

3.8%

3.3%

2.6%

▼ 0.7 pts

Return on equity (ROE)

14.5%

-14.7%

21.6%

16.9%

11.3%

▼ 5.6 pts

Debt to equity

0.87×

2.13×

1.58×

1.50×

1.31×

▼ 12%

Interest coverage

6.16×

0.34×

3.26×

3.03×

3.01×

▼ 0.5%