Crawford & Company (CRD-A) Financials

CRD-A

Trailing 12 months to June 30, 2026

Revenue $1.3B -4.1% YoY

Net Income $23.6M -20.3% YoY

Free Cash Flow $96.1M +30.3% YoY

Operating Cash Flow $103.9M +28.4% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 3, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 3, 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 Jun 30, 2026, down 4.1% 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).

Rhea AI CRD-A FY2025 2026-08-30

Stable gross margins mask a low-margin service model whose cash conversion and leverage swing sharply across fiscal years

Operating cash flow reached $101.8M in FY2025 against net income of $19.7M; that gap indicates cash generation was driven by working-capital or other non-earnings movements rather than a proportional rise in profitability. Free cash flow of $94.8M stayed close to operating cash flow after only $7.0M of capital spending, so reinvestment was not the main cash drain.

Gross-margin resilience continued in FY2025, with the margin reaching 28.0% even as revenue contracted; however, net margin compressed to 1.5%, indicating that costs below gross profit absorbed much of the benefit rather than allowing it to reach shareholders.

Balance-sheet repair reduced debt-to-equity from 1.3x in FY2024 to 0.9x in FY2025 as total liabilities declined, indicating less reliance on leverage. Yet the current ratio slipped from 1.2x to 1.1x, leaving a narrower short-term cushion even as long-term leverage improved.

Financial Health Signals

Financial health score not available

Crawford & Company does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/8

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.

Earnings Quality Cash-Backed

5.18x

For every $1 of reported earnings, Crawford & Company generates $5.18 in operating cash flow ($101.8M OCF vs $19.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$330.0M

YoY-1.4%

QoQ+3.1%

5Y CAGR+3.6%

10Y CAGR+1.0%

Crawford & Company generated $330.0M in revenue in Q2 2026. This represents a decrease of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 3.1%.

Net Income

$13.4M

YoY+72.8%

QoQ+174.2%

5Y CAGR+2.7%

10Y CAGR+4.5%

Crawford & Company reported $13.4M in net income in Q2 2026. This represents an increase of 72.8% from the same quarter a year earlier. Against the prior quarter it is up 174.2%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$18.6M

YoY-44.7%

QoQ+1252.1%

5Y CAGR+20.0%

10Y CAGR+3.2%

Crawford & Company generated $18.6M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 44.7% from the same quarter a year earlier. Against the prior quarter it is up 1252.1%.

Cash & Debt

$69.4M

YoY+18.6%

QoQ+27.4%

5Y CAGR+9.2%

10Y CAGR+1.6%

Crawford & Company held $69.4M in cash against $150.6M in long-term debt as of Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Shares Outstanding

Not reported for Q2 2026.

Margins & Returns

Gross Margin

28.8%

YoY-0.6pp

QoQ+1.3pp

5Y change+1.9pp

10Y change+1.2pp

Crawford & Company's gross margin was 28.8% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.3 percentage points.

Net Margin

4.1%

YoY+1.7pp

QoQ+2.5pp

5Y change-0.2pp

10Y change+1.2pp

Crawford & Company's net profit margin was 4.1% in Q2 2026, showing the share of revenue converted to profit. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.5 percentage points.

Return on Equity

7.2%

YoY+2.8pp

QoQ+4.4pp

5Y change+1.7pp

10Y change+0.9pp

Crawford & Company's ROE was 7.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 4.4 percentage points.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$3.5M

QoQ-36.2%

5Y CAGR+14.2%

Crawford & Company spent $3.5M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 36.2%.

Capital Expenditures

$1.3M

YoY-7.2%

QoQ-31.4%

5Y CAGR-2.8%

10Y CAGR-8.1%

Crawford & Company invested $1.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 7.2% from the same quarter a year earlier. Against the prior quarter it is down 31.4%.

R&D Spending

Not reported for Q2 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.

CRD-A quarterly income statement

Metric	TTM	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.3B	$1.3B-2.2%	$1.3B+1.8%	$1.3B+7.0%	$1.2B+8.1%	$1.1B+12.1%	$1.0B-3.0%	$1.0B-6.7%	$1.1B-3.5%	$1.2B-1.2%	$1.2B-5.1%	$1.2B+2.0%	$1.2B-2.9%	$1.3B-1.0%	$1.3B+4.5%	$1.2B
Cost of Revenue	$941.3M	$943.7M-3.0%	$973.4M+1.6%	$957.8M+3.6%	$924.9M+9.1%	$847.4M+14.9%	$737.3M-2.1%	$752.8M-6.8%	$808.0M-4.1%	$842.2M-0.9%	$850.1M-9.6%	$940.4M+2.8%	$914.8M-2.3%	$936.4M0.0%	$936.1M+2.0%	$917.9M
Gross Profit	$361.8M	$367.1M-0.1%	$367.5M+2.4%	$359.1M+17.2%	$306.4M+5.0%	$291.8M+4.6%	$278.9M-5.4%	$294.9M-6.4%	$315.0M-2.0%	$321.5M-1.8%	$327.5M+8.7%	$301.2M-0.3%	$302.1M-4.7%	$317.0M-4.0%	$330.1M+12.5%	$293.4M
SG&A Expenses	$287.0M	$294.2M-1.8%	$299.7M+4.6%	$286.5M+12.0%	$255.8M+4.5%	$244.8M+11.8%	$219.0M-3.6%	$227.2M-6.3%	$242.4M+1.1%	$239.8M0.0%	$239.9M-0.7%	$241.6M+1.6%	$237.9M+2.4%	$232.3M+1.7%	$228.4M+3.1%	$221.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$84.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EBITDA	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$124.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$12.4M	$14.7M-12.9%	$16.9M-1.0%	$17.0M+65.2%	$10.3M+57.2%	$6.6M-17.2%	$7.9M-26.5%	$10.8M+6.6%	$10.1M+11.6%	$9.1M-1.3%	$9.2M+9.6%	$8.4M+39.0%	$6.0M-6.1%	$6.4M-25.4%	$8.6M-45.9%	$15.9M
Income Tax	$15.2M	$14.9M+2.3%	$14.6M-14.7%	$17.1M-27.5%	$23.6M+77.1%	$13.3M+10.8%	$12.0M-14.9%	$14.1M-23.9%	$18.5M+23.3%	$15.0M-41.2%	$25.6M+84.8%	$13.8M-51.9%	$28.8M-3.3%	$29.8M-11.6%	$33.7M+164.4%	$12.7M
Net Income	$23.6M	$19.7M-25.8%	$26.5M-13.3%	$30.6M+267.2%	-$18.3M-159.6%	$30.7M+8.5%	$28.3M+126.6%	$12.5M-51.9%	$26.0M-6.1%	$27.7M-23.1%	$36.0M+179.1%	-$45.5M-248.5%	$30.6M-39.9%	$51.0M+4.3%	$48.9M+7.7%	$45.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K/A	Q3'2410-Q
Revenue	$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%	$342.7M+0.2%
Cost of Revenue	$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%	$249.3M+3.0%
Gross Profit	$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%	$93.4M-6.7%
SG&A Expenses	$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%	$71.5M-3.9%
Interest Expense	$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%	$4.7M+2.8%
Income Tax	$6.2M+6.7%	$2.4M-4.2%	$786K-78.9%	$5.8M+9.0%	$5.8M+30.3%	$2.5M+136.9%	$3.7M+2408.7%	$5.3M-21.4%
Net Income	$13.4M+72.8%	$4.9M-26.6%	-$7.2M-227.3%	$12.4M+31.3%	$7.8M-9.3%	$6.7M+135.6%	$5.7M+791.3%	$9.5M-23.3%

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

CRD-A quarterly balance sheet

Metric	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$764.3M-4.9%	$803.8M+0.6%	$799.2M+1.0%	$791.5M-7.2%	$852.6M+13.2%	$753.0M-0.9%	$760.0M+8.4%	$701.4M-11.0%	$787.9M+7.1%	$735.9M-6.1%	$783.4M-0.7%	$789.3M-0.1%	$790.1M-6.8%	$847.4M+3.5%	$818.5M
Current Assets	$352.4M-5.8%	$374.2M+1.3%	$369.3M+5.1%	$351.3M+1.5%	$345.9M+14.5%	$302.0M-4.2%	$315.2M-1.8%	$320.8M-13.4%	$370.4M+1.5%	$364.7M-1.5%	$370.2M+0.7%	$367.6M-0.6%	$369.7M-4.4%	$386.8M+4.7%	$369.5M
Cash & Equivalents	$64.1M+15.6%	$55.4M-5.1%	$58.4M+26.9%	$46.0M-13.6%	$53.2M+19.2%	$44.7M-13.8%	$51.8M-2.5%	$53.1M-1.7%	$54.0M-33.8%	$81.6M+7.2%	$76.1M+45.0%	$52.5M-30.9%	$76.0M+6.7%	$71.2M-8.3%	$77.6M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$115.7M-18.6%	$142.1M+8.1%	$131.4M-6.9%	$141.1M+4.9%	$134.5M+9.3%	$123.1M-4.0%	$128.2M-2.2%	$131.1M-24.7%	$174.2M+13.4%	$153.6M-6.7%	$164.6M-8.6%	$180.1M+12.3%	$160.3M-2.6%	$164.7M+2.0%	$161.5M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$76.6M+0.3%	$76.4M-0.5%	$76.7M+0.1%	$76.6M-34.2%	$116.5M+75.1%	$66.5M-17.5%	$80.6M-16.8%	$96.9M0.0%	$96.9M+5.6%	$91.8M-4.0%	$95.6M-27.5%	$131.9M-0.7%	$132.8M+0.6%	$132.0M+0.6%	$131.2M
Total Liabilities	$591.2M-8.6%	$646.5M-1.7%	$657.6M-1.4%	$667.0M+4.1%	$640.7M+13.2%	$566.0M-5.8%	$600.7M+13.3%	$530.2M-12.5%	$605.6M+4.1%	$582.0M-13.1%	$669.7M+8.7%	$616.4M+4.4%	$590.3M-17.0%	$711.2M+3.8%	$685.0M
Current Liabilities	$309.6M+3.3%	$299.7M+0.1%	$299.3M+7.1%	$279.5M-8.0%	$303.9M+25.1%	$242.8M+2.8%	$236.3M+4.9%	$225.3M-12.2%	$256.6M+11.4%	$230.3M-10.9%	$258.3M-0.5%	$259.6M-18.2%	$317.4M-0.2%	$318.2M+11.0%	$286.7M
Non-Current Liabilities	$283.3M-18.7%	$348.5M-3.2%	$360.1M-7.4%	$388.6M+15.2%	$337.4M+4.4%	$323.3M-9.9%	$358.9M+21.6%	$295.2M-12.6%	$337.6M-2.5%	$346.3M-13.6%	$400.7M+14.4%	$350.4M+32.2%	$265.1M-31.6%	$387.4M-1.5%	$393.4M
Long-Term Debt	$150.6M-24.8%	$200.3M+3.1%	$194.3M-8.3%	$211.8M+28.9%	$164.3M+47.0%	$111.8M-24.7%	$148.4M-11.2%	$167.1M-16.6%	$200.5M+7.2%	$187.0M-17.0%	$225.4M+46.3%	$154.0M+51.4%	$101.8M-33.2%	$152.3M-28.3%	$212.4M
Total Equity	$173.1M+10.1%	$157.2M+11.0%	$141.6M+13.7%	$124.5M-41.2%	$212.0M+13.4%	$186.9M+17.3%	$159.3M-7.0%	$171.3M-6.1%	$182.3M+18.5%	$153.9M+35.3%	$113.7M-34.3%	$172.9M-13.4%	$199.8M+46.7%	$136.2M+2.0%	$133.5M
Retained Earnings	$233.7M-1.8%	$237.9M+4.1%	$228.6M+7.3%	$213.1M-20.0%	$266.4M+0.4%	$265.2M+6.3%	$249.6M-8.8%	$273.6M+1.5%	$269.7M+3.1%	$261.6M+9.4%	$239.2M-20.6%	$301.1M+5.6%	$285.2M+15.9%	$246.1M+17.6%	$209.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K/A	Q3'2410-Q
Total Assets	$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%	$800.8M-3.2%
Current Assets	$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%	$362.4M-4.6%
Cash & Equivalents	$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%	$52.3M+6.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$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%	$131.4M-13.1%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$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%	$76.6M0.0%
Total Liabilities	$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%	$639.9M-3.4%
Current Liabilities	$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%	$283.4M-2.5%
Non-Current Liabilities	$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%	$358.2M-4.1%
Long-Term Debt	$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%	$205.9M+2.2%
Total Equity	$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%	$160.9M-2.2%
Retained Earnings	$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%	$235.9M+0.5%

Not reported in any period shown, so not listed: Inventory.

CRD-A Cash Flow Statement

CRD-A quarterly cash flow statement

Metric	TTM	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$103.9M	$101.8M+97.3%	$51.6M-50.3%	$103.8M+275.6%	$27.6M-49.1%	$54.3M-41.7%	$93.2M+23.9%	$75.2M+43.5%	$52.4M+28.6%	$40.8M-58.8%	$98.9M+60.4%	$61.7M+833.3%	$6.6M-91.5%	$77.8M-16.2%	$92.9M+153.2%	$36.7M
Depreciation & Amortization	N/A	$40.0M+10.6%	$36.2M+1.3%	$35.7M-1.0%	$36.1M-10.2%	$40.2M+0.2%	$40.1M-1.0%	$40.5M-8.1%	$44.1M+5.8%	$41.7M+2.2%	$40.7M-6.3%	$43.5M+15.6%	$37.6M+11.0%	$33.9M+3.4%	$32.8M+3.1%	$31.8M
Stock-Based Compensation	N/A	$5.2M-10.0%	$5.8M+2.9%	$5.6M+13.8%	$4.9M-35.1%	$7.6M+73.0%	$4.4M+6.7%	$4.1M-33.7%	$6.2M-7.0%	$6.7M+26.8%	$5.3M+62.7%	$3.2M+171.6%	$1.2M-69.0%	$3.8M+4.8%	$3.7M-2.6%	$3.8M
Capital Expenditures	$7.8M	$7.0M+12.9%	$6.2M+27.0%	$4.9M-28.5%	$6.8M-25.9%	$9.2M-35.2%	$14.2M+63.7%	$8.7M-38.2%	$14.1M-26.2%	$19.0M+83.9%	$10.4M-14.7%	$12.1M-2.7%	$12.5M-11.1%	$14.0M-8.7%	$15.4M+8.1%	$14.2M
Free Cash Flow	$96.1M	$94.8M+108.8%	$45.4M-54.1%	$98.9M+375.6%	$20.8M-53.9%	$45.1M-42.9%	$79.0M+18.7%	$66.5M+73.4%	$38.4M+76.7%	$21.7M-75.5%	$88.5M+78.8%	$49.5M+942.2%	-$5.9M-109.2%	$63.8M-17.6%	$77.5M+245.0%	$22.5M
Investing Cash Flow	-$27.6M	-$36.2M+13.1%	-$41.6M-13.8%	-$36.6M+36.8%	-$57.9M+18.3%	-$70.8M-162.0%	-$27.0M-15.4%	-$23.4M-463.2%	$6.4M+107.9%	-$81.9M-148.3%	-$33.0M+67.4%	-$101.2M-218.5%	-$31.8M+5.3%	-$33.5M+0.8%	-$33.8M+3.2%	-$34.9M
Financing Cash Flow	-$61.2M	-$57.6M-348.0%	-$12.9M+76.5%	-$54.7M-310.8%	$25.9M+5.2%	$24.7M+133.2%	-$74.4M-39.3%	-$53.4M+9.1%	-$58.7M-667.9%	$10.3M+118.8%	-$55.2M-181.2%	$67.9M+1398.0%	$4.5M+111.6%	-$39.1M+39.7%	-$64.9M-261.4%	-$18.0M
Dividends Paid	$14.7M	$14.3M+4.2%	$13.8M+8.3%	$12.7M+7.3%	$11.8M-6.5%	$12.7M+31.3%	$9.6M-26.8%	$13.2M-2.6%	$13.5M-1.3%	$13.7M+1.0%	$13.6M+0.4%	$13.5M+15.3%	$11.7M+32.5%	$8.8M-10.5%	$9.9M+102.8%	$4.9M
Share Buybacks	$19.6M	$10.5M+171.9%	$3.9M+41.6%	$2.7M-89.8%	$26.7M+39.8%	$19.1M+617.7%	$2.7M-89.8%	$26.2M+151.8%	$10.4M+40.2%	$7.4M	$0-100.0%	$1.2M-63.4%	$3.4M-6.6%	$3.6M+27.9%	$2.8M	$0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K/A	Q3'2410-Q
Operating Cash Flow	$19.9M-43.2%	$3.3M+123.5%	$50.1M+23.7%	$30.6M+58.3%	$35.0M+203.1%	-$13.9M+29.7%	$40.5M+13.5%	$19.3M-52.7%
Depreciation & Amortization	$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%	$8.8M-3.3%
Stock-Based Compensation	N/A	$1.0M-24.7%	N/A	N/A	N/A	$1.4M+14.1%	N/A	N/A
Capital Expenditures	$1.3M-7.2%	$1.9M+91.2%	$3.2M+1.0%	$1.4M-13.3%	$1.4M+1043.9%	$994K-35.5%	$3.2M+110.3%	$1.6M+8.9%
Free Cash Flow	$18.6M-44.7%	$1.4M+109.2%	$46.9M+25.7%	$29.3M+64.7%	$33.6M+194.0%	-$14.9M+30.1%	$37.3M+9.1%	$17.8M-55.0%
Investing Cash Flow	-$1.8M+80.1%	-$7.9M+13.8%	-$11.0M+10.2%	-$7.0M+36.6%	-$9.2M-3.0%	-$9.1M+4.6%	-$12.2M-36.9%	-$11.0M-12.9%
Financing Cash Flow	-$8.0M+69.3%	$3.4M-86.4%	-$43.8M-67.4%	-$12.7M-442.6%	-$26.1M-6142.8%	$25.0M+55.6%	-$26.2M-57.6%	-$2.3M+92.1%
Dividends Paid	$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%	$3.4M+0.3%
Share Buybacks	$3.5M	$5.5M	$7.6M+2774.9%	$3.0M+92.9%	$0-100.0%	$0-100.0%	$263K-87.8%	$1.5M+163.1%

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.

CRD-A quarterly financial ratios

Metric	FY2510-K/A	FY2410-K/A	FY2310-K/A	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	28.0%+0.6pp	27.4%+0.1pp	27.3%+2.4pp	24.9%-0.7pp	25.6%-1.8pp	27.4%-0.7pp	28.1%+0.1pp	28.1%+0.4pp	27.6%-0.2pp	27.8%+3.6pp	24.3%-0.6pp	24.8%-0.5pp	25.3%-0.8pp	26.1%+1.8pp	24.2%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	8.0%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1.5%-0.5pp	2.0%-0.3pp	2.3%+3.8pp	-1.5%-4.2pp	2.7%-0.1pp	2.8%+1.6pp	1.2%-1.1pp	2.3%-0.1pp	2.4%-0.7pp	3.0%+6.7pp	-3.7%-6.2pp	2.5%-1.6pp	4.1%+0.2pp	3.9%+0.1pp	3.8%
Return on Equity	11.4%-5.5pp	16.9%-4.7pp	21.6%+36.3pp	-14.7%-29.2pp	14.5%-0.7pp	15.1%+7.3pp	7.8%-7.3pp	15.2%0.0pp	15.2%-8.2pp	23.4%+63.4pp	-40.0%-57.7pp	17.7%-7.8pp	25.5%-10.4pp	35.9%+1.9pp	34.0%
Return on Assets	2.6%-0.7pp	3.3%-0.5pp	3.8%+6.1pp	-2.3%-5.9pp	3.6%-0.2pp	3.8%+2.1pp	1.6%-2.1pp	3.7%+0.2pp	3.5%-1.4pp	4.9%+10.7pp	-5.8%-9.7pp	3.9%-2.6pp	6.5%+0.7pp	5.8%+0.2pp	5.5%
Current Ratio	1.14-0.1x	1.250.0x	1.230.0x	1.26+0.1x	1.14-0.1x	1.24-0.1x	1.33-0.1x	1.420.0x	1.44-0.1x	1.58+0.2x	1.430.0x	1.42+0.3x	1.16-0.1x	1.22-0.1x	1.29
Debt-to-Equity	0.87-0.4x	1.27-0.1x	1.37-0.3x	1.70+0.9x	0.78+0.2x	0.60-0.3x	0.930.0x	0.98-0.1x	1.10-0.1x	1.22-0.8x	1.98+1.1x	0.89+0.4x	0.51-0.6x	1.12-0.5x	1.59
Asset Turnover	1.720.0x	1.670.0x	1.65+0.1x	1.56+0.2x	1.340.0x	1.350.0x	1.38-0.2x	1.60+0.1x	1.48-0.1x	1.600.0x	1.580.0x	1.540.0x	1.59+0.1x	1.490.0x	1.48
FCF Margin	7.2%+3.8pp	3.4%-4.1pp	7.5%+5.8pp	1.7%-2.3pp	4.0%-3.8pp	7.8%+1.4pp	6.3%+2.9pp	3.4%+1.6pp	1.9%-5.7pp	7.5%+3.5pp	4.0%+4.5pp	-0.5%-5.6pp	5.1%-1.0pp	6.1%+4.3pp	1.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K/A	Q3'2410-Q
Gross Margin	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	27.3%-2.0pp
Net Margin	4.1%+1.7pp	1.5%-0.5pp	-2.3%-3.8pp	3.7%+1.0pp	2.3%-0.3pp	2.1%+1.2pp	1.6%+1.8pp	2.8%-0.8pp
Return on Equity	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	5.9%-1.6pp
Return on Assets	1.8%+0.8pp	0.6%-0.2pp	-0.9%-1.6pp	1.6%+0.4pp	1.0%-0.1pp	0.8%+0.5pp	0.7%+0.8pp	1.2%-0.3pp
Current Ratio	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	1.280.0x
Debt-to-Equity	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	1.28+0.1x
Asset Turnover	0.440.0x	0.410.0x	0.420.0x	0.420.0x	0.420.0x	0.410.0x	0.45+0.1x	0.430.0x
FCF Margin	5.6%-4.4pp	0.4%+5.0pp	14.6%+4.2pp	8.8%+3.6pp	10.0%+6.5pp	-4.6%+2.2pp	10.4%-0.7pp	5.2%-6.3pp

Not reported in any period shown, so not listed: Operating Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Crawford & Company CRD-A	FY2025	$1.3B	$19.7M	1.5%	$460.7M	—
Crawford & Company CRD-B	FY2025	$1.3B	$19.7M	1.5%	$465.6M	—
TWFG, Inc. TWFG	FY2025	$248.5M	$41.2M	16.6%	$348.4M	10/100
SelectQuote, Inc. SLQT	FY2026	$1.6B	$62.2M	3.8%	$87.1M	13/100
XChange TEC.INC XHG	FY2025	$51.3M	-$105.1M	N/A	$134.0M	2/100
GoHealth, Inc. GOCO	FY2025	$361.8M	-$257.1M	-71.1%	$5.1M	10/100

Where Crawford & Company Ranks

Frequently Asked Questions

What is Crawford & Company's annual revenue?

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.

How fast is Crawford & Company's revenue growing?

Crawford & Company (CRD-A) revenue declined by 2.2% year-over-year, from $1.3B to $1.3B in fiscal year 2025.

Is Crawford & Company profitable?

Yes, Crawford & Company (CRD-A) reported a net income of $19.7M in fiscal year 2025, with a net profit margin of 1.5%.

How much debt does Crawford & Company have?

As of fiscal year 2025, Crawford & Company (CRD-A) had $64.1M in cash and equivalents against $150.6M in long-term debt.

What is Crawford & Company's gross margin?

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.

What is Crawford & Company's net profit margin?

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.

What is Crawford & Company's return on equity (ROE)?

Crawford & Company (CRD-A) has a return on equity of 11.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Crawford & Company's free cash flow?

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.

What is Crawford & Company's operating cash flow?

Crawford & Company (CRD-A) generated $101.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Crawford & Company's total assets?

Crawford & Company (CRD-A) had $764.3M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Crawford & Company's capital expenditures?

Crawford & Company (CRD-A) invested $7.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Crawford & Company buy back shares?

Yes, Crawford & Company (CRD-A) spent $10.5M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Crawford & Company's current ratio?

Crawford & Company (CRD-A) had a current ratio of 1.14 as of fiscal year 2025, which is considered adequate.

What is Crawford & Company's debt-to-equity ratio?

Crawford & Company (CRD-A) had a debt-to-equity ratio of 0.87 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Crawford & Company's return on assets (ROA)?

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.

What is Crawford & Company's Piotroski F-Score?

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.

Are Crawford & Company's earnings high quality?

Crawford & Company (CRD-A) has an earnings quality ratio of 5.18x, 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.