CRD-A
BEARISH
$10.84
Live
Crawford & Company · NYSE
Target $14.0
(+29.2%)
$8.63
52W Range
$12.1
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 25, 2026
Market cap
$530.15M
P/E
27.79
ROE
12.0%
Profit margin
1.6%
Debt/Equity
1.58
Dividend yield
2.77%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
CRD-A exhibits significant valuation misalignment, trading at $10.84 despite a Graham Number of $5.58 and an Intrinsic Value of $2.73. While the Piotroski F-Score of 4/9 indicates stable health, this is offset by razor-thin profit margins (1.55%) and negative revenue growth (-11.20% YoY). The technical trend is completely bearish (0/100), and the high dividend payout ratio (74.36%) is unsustainable given the current earnings contraction. Overall, the stock appears heavily overvalued relative to its fundamental deterministic baselines.
Key Strengths
Low Price-to-Sales ratio (0.42) suggesting efficient revenue generation relative to market cap
Positive Return on Equity (ROE) of 12.03%
Forward P/E (10.13) is significantly lower than trailing P/E, suggesting expected earnings recovery
Piotroski F-Score of 4/9 places the company in the 'Stable' health category
Positive long-term price performance (5Y Change: +23.2%)
Key Risks
Severe overvaluation relative to Graham Number ($5.58) and Intrinsic Value ($2.73)
Negative revenue growth trends both YoY (-11.20%) and Q/Q (-6.61%)
Extremely low net profit margin (1.55%) leaving little room for operational error
High dividend payout ratio (74.36%) which may be at risk if earnings continue to decline
Bearish technical trend (0/100) and lack of positive insider buying activity
AI Fair Value Estimate
Based on comprehensive analysis
$5.15
-52.5% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
39
Weak
20
25
50
45
55
AI Verdict
Overvalued / Declining
Key drivers: Price-to-Intrinsic Value gap, Negative Revenue Growth, Thin Profit Margins
Confidence
90%
Value
20/100
Current Price $10.84 vs Graham $5.58 and Intrinsic $2.73
Positives
- Low P/S ratio
Watchpoints
- Price is ~95% above Graham Number
- Price is ~300% above Intrinsic Value
Future
25/100
Negative growth metrics across both revenue and earnings
Positives
- Low PEG ratio (0.91) if growth recovers
Watchpoints
- YoY Revenue Growth -11.20%
- Q/Q EPS Growth -53.1%
Past
50/100
Long-term growth is positive, but short-term momentum is failing
Positives
- Positive 3Y and 5Y price returns
Watchpoints
- Recent earnings misses (1/4 beats in last 4 quarters)
Health
45/100
Stable but fragile financial health with high leverage
Positives
- Piotroski F-Score 4/9 (Stable)
Watchpoints
- Debt/Equity of 1.58 is elevated
- Current ratio (1.14) is tight
Dividend
55/100
Dividend is attractive but potentially unsustainable given earnings trend
Positives
- Consistent yield of 2.77%
Watchpoints
- High payout ratio (74.36%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$10.84
Analyst Target
$14.0
Upside/Downside
+29.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CRD-A and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CRD-A
Crawford & Company
Primary
|
+23.2% | +26.2% | +4.6% | -1.6% | +12.3% | -0.5% |
|
BWB
Bridgewater Bancshares, Inc.
Peer
|
+20.8% | +87.2% | +51.6% | +9.8% | +12.7% | +1.2% |
|
ALTI
AlTi Global, Inc.
Peer
|
-63.1% | -71.3% | +18.4% | +0.8% | -18.7% | +2.9% |
|
UNTY
Unity Bancorp, Inc.
Peer
|
+166.1% | +137.2% | +31.1% | +9.4% | +3.8% | -4.2% |
|
BGB
Blackstone Strategic Credit 2027 Term Fund
Peer
|
+38.8% | +43.3% | +5.0% | -0.5% | +2.1% | -0.1% |
CRD
Crawford & Company
Primary
5Y
+23.2%
3Y
+26.2%
1Y
+4.6%
6M
-1.6%
1M
+12.3%
1W
-0.5%
BWB
Bridgewater Bancshares, Inc.
Peer
5Y
+20.8%
3Y
+87.2%
1Y
+51.6%
6M
+9.8%
1M
+12.7%
1W
+1.2%
ALT
AlTi Global, Inc.
Peer
5Y
-63.1%
3Y
-71.3%
1Y
+18.4%
6M
+0.8%
1M
-18.7%
1W
+2.9%
UNT
Unity Bancorp, Inc.
Peer
5Y
+166.1%
3Y
+137.2%
1Y
+31.1%
6M
+9.4%
1M
+3.8%
1W
-4.2%
BGB
Blackstone Strategic Credit 2027 Term Fund
Peer
5Y
+38.8%
3Y
+43.3%
1Y
+5.0%
6M
-0.5%
1M
+2.1%
1W
-0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
27.79
Forward P/E
10.13
PEG Ratio
0.91
P/B Ratio
3.06
P/S Ratio
0.42
EV/Revenue
0.58
EV/EBITDA
9.49
Market Cap
$530.15M
Profitability
Profit margins and return metrics
Profit Margin
1.55%
Operating Margin
2.6%
Gross Margin
29.0%
ROE
12.04%
ROA
4.84%
Growth
Revenue and earnings growth rates
Revenue Growth
-11.2%
Earnings Growth
N/A
Q/Q Revenue Growth
-6.61%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.58
High debt
Current Ratio
1.14
Good
Quick Ratio
1.0
Good
Cash/Share
$1.32
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.3B
Gross Margin
26.5%
Op. Margin
6.3%
Net Margin
-2.3%
Total Assets
$0.8B
Liabilities
$0.6B
Equity
$0.2B
Debt/Equity
3.43x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
78%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-04
$N/A
2026-03-02
$0.15
-6.2% surprise
2025-11-03
$0.32
+14.3% surprise
2025-08-04
$0.22
-8.3% surprise
Financial Services Sector Comparison
Comparing CRD-A against 653 companies in the Financial Services sector
(117 bullish, 269 neutral, 267 bearish)
P/E Ratio
27.79
This Stock
vs
38.75
Sector Avg
-28.3%
(Discount)
Return on Equity (ROE)
12.04%
This Stock
vs
-0.94%
Sector Avg
-1385.2%
(Below Avg)
Profit Margin
1.55%
This Stock
vs
58.65%
Sector Avg
-97.4%
(Weaker)
Debt to Equity
1.58
This Stock
vs
1.52
Sector Avg
+4.1%
(Higher)
Revenue Growth
-11.2%
This Stock
vs
42.21%
Sector Avg
-126.5%
(Slower)
Current Ratio
1.14
This Stock
vs
3.58
Sector Avg
-68.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CRD-A
Crawford & Company
|
BEARISH | $530.15M | 27.79 | 12.0% | 1.6% | $10.84 | |
|
BWB
Bridgewater Bancshares, Inc.
|
NEUTRAL | $531.17M | 12.81 | 9.5% | 33.6% | $19.09 | Compare |
|
ALTI
AlTi Global, Inc.
|
NEUTRAL | $531.27M | - | -25.5% | -70.7% | $3.6 | Compare |
|
UNTY
Unity Bancorp, Inc.
|
NEUTRAL | $528.81M | 8.87 | 18.3% | 45.8% | $52.66 | Compare |
|
BGB
Blackstone Strategic...
|
BEARISH | $531.51M | 11.55 | -% | -% | $11.9 | Compare |
CRD-A
Crawford & Company
BEARISH
Mkt Cap
$530M
P/E
27.8
ROE
12.0%
Price
$10.84
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-16 | BART ANDREW JOHN | Officer | Stock Award | 31,810 | - |
| 2026-03-11 | STEVENSON TAMI E | General Counsel | Stock Award | 19,086 | - |
| 2026-03-11 | HOBERMAN MICHAEL J | Officer | Stock Award | 22,267 | - |
| 2026-03-11 | VAN BAKEL PATRICK J | Officer | Stock Award | 22,267 | - |
| 2026-03-11 | BOUDREAU HOLLY B. | Chief Financial Officer | Stock Award | 7,952 | - |
| 2026-03-11 | SWAIN WILLIAM B JR. | Chief Executive Officer | Stock Award | 31,810 | - |
| 2026-03-11 | THOMAS LARRY CLIMETEEN | Officer | Stock Award | 31,810 | - |
| 2026-03-11 | VERMA ROHIT | Former | Stock Award | 60,440 | - |
| 2026-02-09 | BEALE INGA K | Director | Stock Award | 11,111 | - |
| 2026-02-09 | MURPHY JOEL THOMAS | Director | Stock Award | 11,111 | - |
| 2026-02-09 | SHORE AMY TAYLOR | Director | Stock Award | 11,111 | - |
| 2026-02-09 | CRAWFORD JESSE CARROLL | Director and Beneficial Owner of more than 10% of a Class of Security | Stock Award | 11,111 | - |
| 2026-02-09 | DONNER FRED ROBERT | Director | Stock Award | 11,111 | - |
| 2026-02-09 | BREADY CAMERON M. | Director | Stock Award | 11,111 | - |
| 2026-02-09 | CRAWFORD JESSE C JR | Director | Stock Award | 11,111 | - |
BART ANDREW JOHN
Officer
2026-03-16
31,810 shares
STEVENSON TAMI E
General Counsel
2026-03-11
19,086 shares
HOBERMAN MICHAEL J
Officer
2026-03-11
22,267 shares
VAN BAKEL PATRICK J
Officer
2026-03-11
22,267 shares
BOUDREAU HOLLY B.
Chief Financial Officer
2026-03-11
7,952 shares
SWAIN WILLIAM B JR.
Chief Executive Officer
2026-03-11
31,810 shares
THOMAS LARRY CLIMETEEN
Officer
2026-03-11
31,810 shares
VERMA ROHIT
Former
2026-03-11
60,440 shares
BEALE INGA K
Director
2026-02-09
11,111 shares
MURPHY JOEL THOMAS
Director
2026-02-09
11,111 shares
SHORE AMY TAYLOR
Director
2026-02-09
11,111 shares
CRAWFORD JESSE CARROLL
Director and Beneficial Owner of more than 10% of a Class of Security
2026-02-09
11,111 shares
DONNER FRED ROBERT
Director
2026-02-09
11,111 shares
BREADY CAMERON M.
Director
2026-02-09
11,111 shares
CRAWFORD JESSE C JR
Director
2026-02-09
11,111 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
1 analysts
Barrington Research
2026-03-09
Outperform
Outperform
Barrington Research
2026-01-12
Outperform
Outperform
Barrington Research
2025-11-26
Outperform
Outperform
Past News Coverage
Recent headlines mentioning CRD-A from our newsroom.
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