Crawford Financials

CRD-B Stock  USD 11.01  0.11  0.99%   
Based on the measurements of operating efficiency obtained from Crawford's historical financial statements, Crawford Company is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in April. At present, Crawford's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Net Debt is expected to grow to about 266.8 M, whereas Total Assets are forecasted to decline to about 624.5 M. Key indicators impacting Crawford's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio4.644.4155
Sufficiently Up
Slightly volatile
Operating Income3.3 M3.4 M
Notably Down
Slightly volatile
Current Ratio1.821.2486
Way Up
Very volatile
Investors should never underestimate Crawford's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Crawford's cash flow, debt, and profitability to make informed and accurate decisions about investing in Crawford Company.

Net Income

18.04 Million

  
Understanding current and past Crawford Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Crawford's financial statements are interrelated, with each one affecting the others. For example, an increase in Crawford's assets may result in an increase in income on the income statement.
Please note, the presentation of Crawford's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Crawford's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Crawford's management manipulating its earnings.

Crawford Stock Summary

Crawford competes with CorVel Corp, Erie Indemnity, Willis Towers, Huize Holding, and EHealth. Crawford Company provides claims management and outsourcing solutions for carriers, brokers, and corporations in the United States, the United Kingdom, Europe, Canada, Australia, and internationally. The company was founded in 1941 and is headquartered in Atlanta, Georgia. Crawford operates under Insurance Brokers classification in the United States and is traded on NYQ Exchange. It employs 9253 people.
Specialization
Financial Services, Insurance Brokers
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS2246331076
Business Address5335 Triangle Parkway,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.crawco.com
Phone404 300 1000
CurrencyUSD - US Dollar

Crawford Key Financial Ratios

Crawford Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets753.0M852.6M791.5M799.2M803.8M624.5M
Other Current Liab160.8M218.2M125.2M173.4M167.3M128.7M
Net Debt194.9M235.4M300.4M253.2M254.1M266.8M
Retained Earnings265.2M266.4M213.1M228.6M237.9M212.0M
Cash44.7M53.2M46.0M58.4M55.4M55.3M
Net Receivables226.6M253.2M276.5M248.0M278.5M218.2M
Other Current Assets29.5M34.6M28.8M63.0M40.3M31.4M
Total Liab566.1M641.2M668.1M659.4M648.2M438.0M
Total Current Assets302.0M345.9M351.3M369.3M374.2M318.0M
Short Term Debt34.6M35.9M73.0M39.2M42.4M25.4M
Intangible Assets142.2M173.4M171.0M178.6M186.4M126.5M
Accounts Payable41.5M48.5M50.8M45.1M50.6M38.1M
Common Stock53.4M51.8M48.6M49.1M49.3M56.9M
Good Will66.5M116.5M76.6M76.7M76.4M102.1M
Net Tangible Assets(60.5M)(21.8M)(77.9M)124.5M143.2M150.4M
Capital Surpluse63.4M67.2M74.2M78.2M89.9M59.8M
Long Term Debt Total148.4M111.8M164.3M211.8M243.6M183.9M

Crawford Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense7.9M6.6M10.3M19.8M16.9M17.7M
Total Revenue1.0B1.1B1.2B1.3B1.3B933.8M
Gross Profit278.9M291.8M306.4M359.1M367.5M249.5M
Operating Income59.1M50.4M52.2M67.8M3.4M3.3M
Ebit(857.1M)(1.0B)(1.1B)67.2M61.4M64.5M
Ebitda99.2M73.9M88.3M102.9M97.6M90.0M
Cost Of Revenue737.3M847.4M924.9M908.1M973.4M684.3M
Income Before Tax39.1M43.9M5.0M47.4M41.1M32.0M
Net Income28.3M30.7M(18.5M)30.6M26.6M18.0M
Income Tax Expense12.0M13.3M23.6M17.1M14.6M13.9M
Non Recurring1.1M30.0M25.8M36.8M33.1M27.9M
Minority Interest(1.2M)(144K)(227K)349K67K70.4K
Tax Provision12.0M13.3M23.6M17.1M14.6M13.7M
Net Interest Income(7.9M)(6.6M)(10.3M)(17.0M)(16.9M)(17.7M)
Interest Income264K424K654K2.8M3.4M3.6M

Crawford Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(7.1M)9.0M(7.0M)12.9M(3.2M)(3.1M)
Free Cash Flow55.8M23.4M(7.0M)67.2M10.0M9.5M
Depreciation40.1M40.2M36.1M35.7M36.2M27.7M
Other Non Cash Items3.9M(144K)38.2M4.3M(997K)(947.2K)
Capital Expenditures37.4M31.0M34.6M36.6M41.6M23.8M
Net Income27.1M30.5M(18.5M)30.6M26.5M18.3M
End Period Cash Flow44.7M53.7M46.6M59.5M56.3M53.5M
Dividends Paid9.6M12.7M11.8M12.7M13.8M11.3M
Change To Inventory7.8M(18.4M)(25.3M)12.0M13.8M14.5M
Change Receivables5.9M5.1M(5.5M)(15.5M)(14.0M)(13.3M)
Net Borrowings(14.8M)(61.6M)58.7M67.4M77.6M81.4M
Change To Netincome24.6M(710K)4.6M47.6M42.9M45.0M
Investments(27.0M)(70.8M)(57.9M)(36.6M)(41.6M)(43.7M)

Crawford Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Crawford's current stock value. Our valuation model uses many indicators to compare Crawford value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Crawford competition to find correlations between indicators driving Crawford's intrinsic value. More Info.
Crawford Company is rated fifth in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.25  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Crawford Company is roughly  4.05 . At present, Crawford's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Crawford's earnings, one of the primary drivers of an investment's value.

Crawford Systematic Risk

Crawford's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Crawford volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Crawford correlated with the market. If Beta is less than 0 Crawford generally moves in the opposite direction as compared to the market. If Crawford Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Crawford is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Crawford is generally in the same direction as the market. If Beta > 1 Crawford moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Crawford Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Crawford's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Crawford growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.42)

At present, Crawford's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Crawford March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Crawford help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Crawford Company. We use our internally-developed statistical techniques to arrive at the intrinsic value of Crawford Company based on widely used predictive technical indicators. In general, we focus on analyzing Crawford Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Crawford's daily price indicators and compare them against related drivers.

Complementary Tools for Crawford Stock analysis

When running Crawford's price analysis, check to measure Crawford's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Crawford is operating at the current time. Most of Crawford's value examination focuses on studying past and present price action to predict the probability of Crawford's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Crawford's price. Additionally, you may evaluate how the addition of Crawford to your portfolios can decrease your overall portfolio volatility.
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