CRAWFORD & CO · Insurance Agents, Brokers & Service

CRD-A

Low riskNext report: In 5 days (est.)

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The short version

A profitable company with steady sales. Institutions are adding.

Going well

Profitable
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions added 2.8% to their holdings in the quarter ending June 2026 (62 bought, 34 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$12.48+0.7% that day

Company value: $673M; Share price times all shares
Price vs profit (P/E): 34.2x; You pay about $34 for each $1 of yearly profit
Price vs sales: 0.52x; Company value is 0.52 times a year of sales
Cash vs value: 10%; Cash as a share of company value
Debt vs value: 28%; Debt as a share of company value

From CRD-A's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$330.0M-1.4% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $1.3B, down 4.1% from the 12 months before. Over 5 years, sales grew about 5.2% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of CRD-A. Starting points are the company's recent numbers.

Sales growth-4% a yearRecently: -4.1% a yearProfit margin2%Last 12 months: 1.8%P/E at the end34xToday: 34.2x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$1.1B

Profit in 5 years$21M

Price these guesses point to$13.39+7.3% vs $12.48 todayAbout +1.4% a year, before dividends

What today's price needs: with a 2% margin and a 34x P/E, sales could shrink about 5.3% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

1/5Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.11.9%
MissDebt under half of equityNot relying on borrowed money.1.09x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.1.5%
MissProfitable every yearSteady profits, not one good year.9 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$94.8M

Revenue: $1.3B; -2.2% vs prior year
5-year growth: +5.2%/yr; revenue, per year
Total debt: $189.0M; 1.09x equity
Free cash flow: $94.8M; 7.2% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: share count not growing. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Aug 3

Revenue: $330.0M; -1.4% YoY
Gross margin: 28.8%; -0.6 pts
Free cash flow: $18.6M

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 0.9
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Accumulating+2.8%

Institutions added 2.8% to their holdings. 62 bought, 34 sold. 2 quarters of net buying in a row.

Shares held by institutions13.0M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

+1.9%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

0.8x · $150.6M debt

Shares outstandingLatest reported

54M

Earnings reports

Last 12

Next reportIn 5 days (est.)Estimated from the same quarter last year

Results filedAug 3
Results filedMay 4
Results filedMar 2
Results filedNov 3, 2025
Results filedAug 4, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

Option exerciseAndrew John BartExecutive Vice President

35,964 shares at $8.91 avg ($8.60 to $9.22) · $320K

+49% of holdings
Now owns 109,412 shares
Exercise price $9.22
2 transactions
Filed same day
Also: Shares withheld for taxes

Sep 11Form 4 ↗

Shares withheld for taxesWilliam B Jr SwainCEO & President, Director

54,315 shares at $13.29 · $722K

-13% of holdings
Now owns 369,589 shares
Filed 14 days after trade

Aug 20Form 4/A ↗

SoldAndrew John BartExecutive Vice President

3,305 shares at $13.36 · $44K

-4% of holdings
Now owns 86,395 shares
Not a pre-planned sale
Filed 1 day after trade

Aug 24Form 4 ↗

SoldAndrew John BartExecutive Vice President

4,907 shares at $13.10 avg ($12.96 to $13.13) · $64K

-5% of holdings
Now owns 89,700 shares
Not a pre-planned sale
2 transactions
Filed 3 days after trade

Aug 21Form 4 ↗

SoldAndrew John BartExecutive Vice President

3,165 shares at $13.02 avg ($13.02 to $13.30) · $41K

-3% of holdings
Now owns 94,607 shares
Not a pre-planned sale
2 transactions
Filed 1 day after trade

Aug 19Form 4 ↗

Option exerciseWilliam B Jr SwainCEO & President, Director

71,929 shares at $8.91 avg ($8.60 to $9.22) · $641K

+20% of holdings
Now owns 423,904 shares
Exercise price $9.22
2 transactions
Filed same day
Also: Shares withheld for taxes

Aug 20Form 4 ↗

Insider tradeAug 18 · Form 4 ↗Insider tradeAug 11 · Form 4 ↗Other company newsAug 11 · Form 8-K ↗Planned insider saleAug 6 · Form 144 ↗Earnings resultsAug 3 · Form 8-K ↗Quarterly reportAug 3 · Form 10-Q ↗Insider tradeJun 2 · Form 4 ↗Insider tradeMay 26 · Form 4 ↗Insider tradeMay 22 · Form 4 ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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