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CRD.

CrawfordNYSE:CRD.A Stock Report

Last Price

US$7.84

Market Cap

US$403.9m

7D

-0.5%

1Y

-1.8%

Updated

16 Jan, 2022

Data

Company Financials +
CRD.A fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance5/6
Financial Health5/6
Dividends3/6

CRD.A Stock Overview

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.

Price History & Performance

Summary of all time highs, changes and price drops for Crawford
Historical stock prices
Current Share PriceUS$7.84
52 Week HighUS$11.06
52 Week LowUS$7.23
Beta0.59
1 Month Change5.66%
3 Month Change-12.50%
1 Year Change-1.75%
3 Year Change-15.70%
5 Year Change-13.75%
Change since IPO-25.33%

Recent News & Updates

Shareholder Returns

CRD.AUS InsuranceUS Market
7D-0.5%-0.2%-0.5%
1Y-1.8%23.5%13.7%

Return vs Industry: CRD.A underperformed the US Insurance industry which returned 23.5% over the past year.

Return vs Market: CRD.A underperformed the US Market which returned 13.7% over the past year.

Price Volatility

Is CRD.A's price volatile compared to industry and market?
CRD.A volatility
CRD.A Average Weekly Movement4.4%
Insurance Industry Average Movement4.2%
Market Average Movement6.6%
10% most volatile stocks in US Market15.9%
10% least volatile stocks in US Market2.4%

Stable Share Price: CRD.A is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: CRD.A's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19418,190Rohit Vermahttps://www.crawco.com

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’s Crawford Claims Solutions segment offers claims management services to insurance carriers and self-insured entities related to property, casualty, and catastrophe losses caused by physical damage to commercial and residential real properties, as well as personal property and marine losses. It also offers services in the areas of field investigation, catastrophe, evaluation, and resolution of property and casualty insurance claims; and various on-demand inspection, verification, and other task specific field services for businesses and consumers through a mobile platform.

Crawford Fundamentals Summary

How do Crawford's earnings and revenue compare to its market cap?
CRD.A fundamental statistics
Market CapUS$403.85m
Earnings (TTM)US$38.44m
Revenue (TTM)US$1.07b

10.5x

P/E Ratio

0.4x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CRD.A income statement (TTM)
RevenueUS$1.07b
Cost of RevenueUS$774.73m
Gross ProfitUS$291.83m
ExpensesUS$253.39m
EarningsUS$38.44m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.75
Gross Margin27.36%
Net Profit Margin3.60%
Debt/Equity Ratio64.0%

How did CRD.A perform over the long term?

See historical performance and comparison

Dividends

3.0%

Current Dividend Yield

32%

Payout Ratio

Valuation

Is Crawford undervalued compared to its fair value and its price relative to the market?

10.53x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: CRD.A ($7.84) is trading above our estimate of fair value ($7.69)

Significantly Below Fair Value: CRD.A is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: CRD.A is good value based on its PE Ratio (10.5x) compared to the US Insurance industry average (11.4x).

PE vs Market: CRD.A is good value based on its PE Ratio (10.5x) compared to the US market (17.4x).


Price to Earnings Growth Ratio

PEG Ratio: CRD.A is good value based on its PEG Ratio (0.9x)


Price to Book Ratio

PB vs Industry: CRD.A is overvalued based on its PB Ratio (1.8x) compared to the US Insurance industry average (1.2x).


Future Growth

How is Crawford forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

12.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CRD.A's forecast earnings growth (12% per year) is above the savings rate (2%).

Earnings vs Market: CRD.A's earnings (12% per year) are forecast to grow slower than the US market (13% per year).

High Growth Earnings: CRD.A's earnings are forecast to grow, but not significantly.

Revenue vs Market: CRD.A's revenue (4.9% per year) is forecast to grow slower than the US market (9.3% per year).

High Growth Revenue: CRD.A's revenue (4.9% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if CRD.A's Return on Equity is forecast to be high in 3 years time


Past Performance

How has Crawford performed over the past 5 years?

7.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CRD.A has high quality earnings.

Growing Profit Margin: CRD.A's current net profit margins (3.6%) are higher than last year (1.2%).


Past Earnings Growth Analysis

Earnings Trend: CRD.A has become profitable over the past 5 years, growing earnings by 7.5% per year.

Accelerating Growth: CRD.A's earnings growth over the past year (231.8%) exceeds its 5-year average (7.5% per year).

Earnings vs Industry: CRD.A earnings growth over the past year (231.8%) exceeded the Insurance industry 39.8%.


Return on Equity

High ROE: CRD.A's Return on Equity (17.5%) is considered low.


Financial Health

How is Crawford's financial position?


Financial Position Analysis

Short Term Liabilities: CRD.A's short term assets ($340.5M) exceed its short term liabilities ($249.3M).

Long Term Liabilities: CRD.A's short term assets ($340.5M) exceed its long term liabilities ($337.5M).


Debt to Equity History and Analysis

Debt Level: CRD.A's net debt to equity ratio (47.2%) is considered high.

Reducing Debt: CRD.A's debt to equity ratio has reduced from 141.8% to 64% over the past 5 years.

Debt Coverage: CRD.A's debt is well covered by operating cash flow (39.8%).

Interest Coverage: CRD.A's interest payments on its debt are well covered by EBIT (12.5x coverage).


Balance Sheet


Dividend

What is Crawford current dividend yield, its reliability and sustainability?

3.05%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CRD.A's dividend (3.05%) is higher than the bottom 25% of dividend payers in the US market (1.32%).

High Dividend: CRD.A's dividend (3.05%) is low compared to the top 25% of dividend payers in the US market (3.44%).


Stability and Growth of Payments

Stable Dividend: CRD.A's dividend payments have been volatile in the past 10 years.

Growing Dividend: CRD.A's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (31.8%), CRD.A's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.8yrs

Average management tenure


CEO

Rohit Verma (46 yo)

1.67yrs

Tenure

US$1,846,893

Compensation

Mr. Rohit Verma serves as Director at Ameritas Mutual Holding Company since December 2021. He serves as Director at Ameritas Holding Co. and Ameritas Life Insurance Corp. since December 2021. He has been C...


CEO Compensation Analysis

Compensation vs Market: Rohit's total compensation ($USD1.85M) is about average for companies of similar size in the US market ($USD1.68M).

Compensation vs Earnings: Rohit's compensation has increased by more than 20% in the past year.


Leadership Team

Experienced Management: CRD.A's management team is considered experienced (3.8 years average tenure).


Board Members

Experienced Board: CRD.A's board of directors are considered experienced (4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: CRD.A insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Crawford & Company's employee growth, exchange listings and data sources


Key Information

  • Name: Crawford & Company
  • Ticker: CRD.A
  • Exchange: NYSE
  • Founded: 1941
  • Industry: Insurance Brokers
  • Sector: Insurance
  • Implied Market Cap: US$403.850m
  • Shares outstanding: 51.43m
  • Website: https://www.crawco.com

Number of Employees


Location

  • Crawford & Company
  • 5335 Triangle Parkway
  • Peachtree Corners
  • Atlanta
  • Georgia
  • 30092
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/16 23:07
End of Day Share Price2022/01/14 00:00
Earnings2021/09/30
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.