# Crawford & Company (CRD-A)

> Source: Nexqual · https://nexqual.com/CRD-A · data as of 2026-10-15 20:00 UTC · cite as "Nexqual, Crawford & Company (CRD-A), nexqual.com/CRD-A" · informational, not investment advice.

**Price:** USD 12.41 (+0.08% on the day) · last close of Oct 15, 2026; US market closed, not a live price. Prev close 12.4 · day 12.16–12.8 · 52w 8.89–13.9 · market cap $591M · NYQ

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $1.30B, net income $23.5M (1.8% margin), free cash flow $96.1M (SEC filings).
- Valuation: P/E 25.1x, net debt $129M.
- Analysts: Strong Buy (mean 1.00 on a 1–5 scale) (1 analysts), mean target USD 15 (range 15–15).
- Total return with dividends: 1Y +19.0% vs S&P 500 +18.1%; 5Y +61.6% vs S&P 500 +85.1%.
- Next earnings: 2026-11-02, EPS estimate USD 0.3, revenue estimate $328M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.14B | $1.23B | $1.32B | $1.34B | $1.31B | $1.30B |
| Gross profit | $292M | $306M | $359M | $368M | $367M | — |
| Net income | $30.7M | -$18.3M | $30.6M | $26.6M | $19.6M | $23.5M |
| Free cash flow | $45.1M | $20.8M | $98.9M | $45.4M | $94.8M | $96.1M |
| Gross margin | 25.6% | 24.9% | 27.3% | 27.4% | 28.0% | — |
| Net margin | 2.7% | -1.5% | 2.3% | 2.0% | 1.5% | 1.8% |
| Revenue growth | +12.1% | +8.1% | +7.0% | +1.8% | -2.2% | — |
| Cash + short-term investments | $53.2M | $46.0M | $58.4M | $55.4M | $64.1M | — |
| Total debt | $185M | $266M | $224M | $236M | $228M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 25.1x · P/S 0.5x · EV/Sales 0.6x · P/FCF 6.1x · P/B 3.2x · FCF yield 16.27% · Earnings yield 3.98% · Dividend yield (paid, TTM) 2.49% · Buyback yield (TTM) 3.31% · Net debt $129M · EV $719M

## Analysts
Consensus Strong Buy (mean 1.00 on a 1–5 scale), 1 analysts; mean target USD 15 (low 15, high 15).

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-16) | 5Y (from 2021-10-11) |
|---|---|---|
| Total return | +19.0% | +61.6% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | +19.1% | +10.1% |
| Volatility (annualized) | 33.0% | 39.7% |
| Max drawdown | -21.2% (Dec 2025→Mar 2026) | -40.0% (Oct 2021→Sep 2022) |

## Peers (Insurance Brokers)
TREE (LendingTree, Inc.) USD 25.82 +4.18% · TWFG (TWFG, Inc.) USD 25.02 +3.11% · GSHD (Goosehead Insurance, Inc.) USD 45.6 +2.61% · LIFE (Ethos Technologies Inc.) USD 38.76 -2.15% · NP (Neptune Insurance Holdings Inc.) USD 29.45 +0.96% · CRVL (CorVel Corp.) USD 80.29 +1.88%

## More
Full page: https://nexqual.com/CRD-A · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt