Crawford & Company (CRD-A) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed Nov 2, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CRD-A SEC filings page.
Crawford & Company (CRD-A) reported $1.3B in revenue over the twelve months to Sep 30, 2026, down 3.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Crawford’s earnings weakened, but cash conversion improved and debt declined, revealing a business whose financing burden eased despite modestly lower revenue.
Operating cash flow rose97.3% while net income fell26.2% in FY2025. With free cash flow at$94.8M , the divergence indicates cash production was shaped by working-capital or noncash effects, not merely by reported profit.
Gross profit held essentially flat at
Debt fell
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Crawford & Company's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Crawford & Company's revenue declined 2.2% year-over-year, from $1.3B to $1.3B. This contraction results in a growth score of 30/100.
Crawford & Company has a moderate D/E ratio of 0.87. This balance of debt and equity financing earns a leverage score of 50/100.
Crawford & Company's current ratio of 1.14 is below the typical benchmark, resulting in a score of 27/100. This tight liquidity could limit financial flexibility if cash inflows slow.
Crawford & Company has a free cash flow margin of 7.2%, earning a moderate score of 51/100. The company generates positive cash flow after capital investments, but with room for improvement.
Crawford & Company earns a strong 11.3% return on equity (ROE), meaning it generates $11 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 70/100. This is down from 16.9% the prior year.
Crawford & Company passes 6 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Crawford & Company generates $5.19 in operating cash flow ($101.8M OCF vs $19.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Crawford & Company generated $329.9M in revenue in Q3 2026. This represents a decrease of 0.9% from the same quarter a year earlier. It is unchanged from the prior quarter.
Crawford & Company reported $15.0M in net income in Q3 2026. This represents an increase of 21.0% from the same quarter a year earlier. Against the prior quarter it is up 11.6%.
Not reported for Q3 2026.
Not reported for Q3 2026.
Cash & Balance Sheet
Crawford & Company generated $5.0M in free cash flow in Q3 2026, representing cash available after capex. This represents a decrease of 83.0% from the same quarter a year earlier. Against the prior quarter it is down 73.1%.
Crawford & Company held $79.0M in cash against $150.6M in long-term debt as of Q3 2026.
Not reported for Q3 2026.
Margins & Returns
Crawford & Company's gross margin was 29.9% in Q3 2026, indicating the percentage of revenue retained after direct costs. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.1 percentage points.
Crawford & Company's net profit margin was 4.5% in Q3 2026, showing the share of revenue converted to profit. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.
Crawford & Company's quarterly ROE was 8.1% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 1.5 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.
Not reported for Q3 2026.
Capital Allocation
Crawford & Company spent $13.5M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 357.0% from the same quarter a year earlier. Against the prior quarter it is up 283.5%.
Crawford & Company invested $857K in capex in Q3 2026, funding long-term assets and infrastructure. This represents a decrease of 37.2% from the same quarter a year earlier. Against the prior quarter it is down 34.3%.
Not reported for Q3 2026.
CRD-A Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K/A | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Revenue | $329.9M-0.9% | $330.0M-1.4% | $320.1M-1.0% | $320.1M-10.7% | $332.8M-2.9% | $334.6M+2.4% | $323.3M+3.3% | $358.3M+15.9% |
| Cost of Revenue | $231.3M-3.2% | $235.0M-0.5% | $232.0M-0.5% | $235.2M-10.7% | $239.0M-4.1% | $236.3M+0.6% | $233.2M+3.3% | $263.4M+14.5% |
| Gross Profit | $98.6M+5.2% | $95.0M-3.3% | $88.1M-2.2% | $84.9M-10.6% | $93.8M+0.4% | $98.3M+6.9% | $90.1M+3.3% | $94.9M+19.9% |
| SG&A Expenses | $71.6M+3.2% | $69.7M-11.1% | $76.1M+2.1% | $71.8M-8.5% | $69.4M-3.0% | $78.3M+8.4% | $74.6M-3.5% | $78.5M+4.9% |
| Interest Expense | $2.9M-23.6% | $2.9M-26.1% | $2.6M-32.9% | $3.1M-28.4% | $3.8M-19.1% | $3.9M-9.4% | $3.9M+9.7% | $4.3M+14.7% |
| Income Tax | $7.3M+26.0% | $6.2M+6.7% | $2.4M-4.2% | $786K-78.9% | $5.8M+9.0% | $5.8M+30.3% | $2.5M+136.9% | $3.7Mn/m |
| Net Income | $15.0M+21.0% | $13.4M+72.8% | $4.9M-26.6% | -$7.2M-226.5% | $12.4M+31.3% | $7.8M-9.3% | $6.7M+135.6% | $5.7Mn/m |
Not reported in any period shown, so not listed: R&D Expenses, Operating Income, EBITDA, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
CRD-A Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K/A | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $769.1M-3.8% | $758.3M-5.1% | $771.6M-2.6% | $764.3M-4.9% | $799.8M-0.1% | $799.4M+1.7% | $792.3M+2.1% | $803.8M+0.6% |
| Current Assets | $380.4M+2.3% | $362.8M-3.6% | $368.3M-1.2% | $352.4M-5.8% | $371.7M+2.6% | $376.2M+6.9% | $372.8M+7.8% | $374.2M+1.3% |
| Cash & Equivalents | $79.0M+14.9% | $69.4M+18.6% | $54.5M-5.0% | $64.1M+15.6% | $68.8M+31.4% | $58.5M+25.2% | $57.4M+26.9% | $55.4M-5.1% |
| Short-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Accounts Receivable | $124.1M-3.4% | $119.1M-12.5% | $118.1M-12.0% | $115.7M-18.6% | $128.4M-2.2% | $136.1M+1.7% | $134.1M+6.5% | $142.1M+8.1% |
| Long-Term Investments | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m | $0n/m |
| Goodwill | $76.4M-0.1% | $76.4M-0.2% | $76.5M+0.2% | $76.6M+0.3% | $76.5M-0.2% | $76.6M0.0% | $76.4M-0.3% | $76.4M-0.5% |
| Total Liabilities | $583.4M-4.8% | $571.8M-8.1% | $595.4M-5.7% | $591.2M-8.6% | $612.5M-4.3% | $622.5M-1.9% | $631.7M0.0% | $646.5M-1.7% |
| Current Liabilities | $323.9M+18.1% | $305.4M+8.6% | $323.2M+12.9% | $309.6M+3.3% | $274.3M-3.2% | $281.1M+3.3% | $286.2M+8.4% | $299.7M+0.1% |
| Non-Current Liabilities | $261.3M-23.1% | $268.4M-21.7% | $273.9M-21.1% | $283.3M-18.7% | $339.9M-5.1% | $342.9M-5.8% | $347.0M-5.9% | $348.5M-3.2% |
| Long-Term Debt | $150.6M-23.5% | $150.6M-25.7% | $150.6M-26.6% | $150.6M-24.8% | $196.8M-4.4% | $202.7M-3.2% | $205.3M-2.6% | $200.3M+3.1% |
| Total Equity | $185.7M-0.8% | $186.4M+5.4% | $176.3M+9.8% | $173.1M+10.1% | $187.3M+16.4% | $176.9M+16.8% | $160.6M+11.0% | $157.2M+11.0% |
| Retained Earnings | $235.3M-6.4% | $236.6M-3.6% | $230.0M-4.7% | $233.7M-1.8% | $251.5M+6.6% | $245.5M+6.2% | $241.2M+6.1% | $237.9M+4.1% |
Not reported in any period shown, so not listed: Inventory.
CRD-A Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K/A | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.8M-80.9% | $19.9M-43.2% | $3.3Mn/m | $50.1M+23.7% | $30.6M+58.3% | $35.0M+203.1% | -$13.9Mn/m | $40.5M+13.5% |
| Depreciation & Amortization | $9.4M-7.3% | $9.5M-3.2% | $9.6M-0.6% | $10.5M+13.6% | $10.1M+14.4% | $9.8M+10.9% | $9.6M+3.7% | $9.2M+10.1% |
| Stock-Based Compensation | N/A | N/A | $1.0M-24.7% | N/A | N/A | N/A | $1.4M+14.1% | N/A |
| Capital Expenditures | $857K-37.2% | $1.3M-7.2% | $1.9M+91.2% | $3.2M+1.0% | $1.4M-13.3% | $1.4M | $994K-35.5% | $3.2M+110.3% |
| Free Cash Flow | $5.0M-83.0% | $18.6M-44.7% | $1.4Mn/m | $46.9M+25.7% | $29.3M+64.7% | $33.6M | -$14.9Mn/m | $37.3M+9.1% |
| Investing Cash Flow | -$6.6Mn/m | -$1.8Mn/m | -$7.9Mn/m | -$11.0Mn/m | -$7.0Mn/m | -$9.2Mn/m | -$9.1Mn/m | -$12.2Mn/m |
| Financing Cash Flow | $8.5Mn/m | -$8.0Mn/m | $3.4M-86.4% | -$43.8Mn/m | -$12.7Mn/m | -$26.1Mn/m | $25.0M+55.6% | -$26.2Mn/m |
| Dividends Paid | $3.8M+2.3% | $3.6M+5.4% | $3.7M+6.0% | $3.7M+7.4% | $3.7M+8.2% | $3.5M+0.7% | $3.5M+0.3% | $3.4M+0.5% |
| Share Buybacks | $13.5M+357.0% | $3.5Mn/m | $5.5Mn/m | $7.6M+2774.9% | $3.0M+92.9% | $0-100.0% | $0-100.0% | $263K-87.8% |
CRD-A Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K/A | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K/A |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.9%+1.7pp | 28.8%-0.6pp | 27.5%-0.4pp | 26.5%0.0pp | 28.2%+0.9pp | 29.4%+1.2pp | 27.9%0.0pp | 26.5%+0.9pp |
| Net Margin | 4.5%+0.8pp | 4.1%+1.7pp | 1.5%-0.5pp | -2.3%-3.9pp | 3.7%+1.0pp | 2.3%-0.3pp | 2.1%+1.2pp | 1.6%+1.9pp |
| Return on Equity | 8.1%+1.5pp | 7.2%+2.8pp | 2.8%-1.4pp | -4.2%-7.8pp | 6.6%+0.7pp | 4.4%-1.3pp | 4.2%+2.2pp | 3.6%+4.2pp |
| Return on Assets | 1.9%+0.4pp | 1.8%+0.8pp | 0.6%-0.2pp | -0.9%-1.7pp | 1.6%+0.4pp | 1.0%-0.1pp | 0.8%+0.5pp | 0.7%+0.8pp |
| Current Ratio | 1.17-0.2x | 1.19-0.2x | 1.14-0.2x | 1.14-0.1x | 1.36+0.1x | 1.340.0x | 1.300.0x | 1.250.0x |
| Debt-to-Equity | 0.81-0.2x | 0.81-0.3x | 0.85-0.4x | 0.87-0.4x | 1.05-0.2x | 1.15-0.2x | 1.28-0.2x | 1.27-0.1x |
| Liabilities-to-Equity | 3.14-0.1x | 3.07-0.5x | 3.38-0.6x | 3.42-0.7x | 3.27-0.7x | 3.52-0.7x | 3.93-0.4x | 4.11-0.5x |
| Asset Turnover | 0.430.0x | 0.440.0x | 0.410.0x | 0.420.0x | 0.420.0x | 0.420.0x | 0.410.0x | 0.45+0.1x |
| FCF Margin | 1.5%-7.3pp | 5.6%-4.4pp | 0.4%+5.0pp | 14.6%+4.2pp | 8.8%+3.6pp | 10.0% | -4.6%+2.2pp | 10.4%-0.7pp |
Not reported in any period shown, so not listed: Operating Margin.
Where Crawford & Company Ranks
Frequently Asked Questions
Crawford & Company (CRD-A) reported $1.3B in total revenue for fiscal year 2025. This represents a -2.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
Crawford & Company (CRD-A) revenue declined by 2.2% year-over-year, from $1.3B to $1.3B in fiscal year 2025.
Yes, Crawford & Company (CRD-A) reported a net income of $26.1M over the trailing 12 months to September 30, 2026. In fiscal year 2025 it reported a net income of $19.6M, with a net profit margin of 1.5%.
As of fiscal year 2025, Crawford & Company (CRD-A) had $64.1M in cash and equivalents against $150.6M in long-term debt.
Crawford & Company (CRD-A) had a gross margin of 28.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
Crawford & Company (CRD-A) had a net profit margin of 1.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Crawford & Company (CRD-A) has a return on equity of 11.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
Crawford & Company (CRD-A) generated $94.8M in free cash flow during fiscal year 2025. This represents a 108.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
Crawford & Company (CRD-A) generated $101.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
Crawford & Company (CRD-A) had $764.3M in total assets as of fiscal year 2025, including both current and long-term assets.
Crawford & Company (CRD-A) invested $7.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Crawford & Company (CRD-A) had a current ratio of 1.14 as of fiscal year 2025, which is considered adequate.
Crawford & Company (CRD-A) had a debt-to-equity ratio of 0.87 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
Crawford & Company (CRD-A) had a liabilities-to-equity ratio of 3.42 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
Crawford & Company (CRD-A) had a return on assets of 2.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Crawford & Company (CRD-A) trades at 22.7x earnings, its market capitalization divided by $26.1M net income, trailing 12 months to September 30, 2026. The market capitalization is $592.0M as of Nov 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Crawford & Company (CRD-A) trades at 0.5x sales, its market capitalization divided by $1.3B revenue, trailing 12 months to September 30, 2026. The market capitalization is $592.0M as of Nov 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Crawford & Company (CRD-A) has a Piotroski F-Score of 6 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Crawford & Company (CRD-A) has an earnings quality ratio of 5.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Crawford & Company (CRD-A) scores 46 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is the average of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.