# Crawford & Company (CRD-B) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services. Price $12.09, market value $575 million.

## Valuation
- **P/E (trailing): 25.7×**. Crawford & Company trades at 25.7× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.7×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.4×**. Each dollar of revenue is priced at 0.4×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 3.1×**. The shares trade at 3.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 16.7%**. Free cash flow equals 16.7% of the market value. Above 5% is generally attractive.
- **Earnings yield: 3.9%**. The inverse of the P/E: 3.9% of the price is earned each year.

## Profitability
- **Net margin: 1.5%**. 1.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.3%**. 11.3% on shareholders' equity is solid.
- **Return on assets: 3.1%**. Each dollar of assets produces 3.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -2.2%** (3-yr 2.1%/yr, 5-yr 5.2%/yr). Revenue fell 2.2% over the last year, against 5.2% a year compounded over five years: growth is slowing.
- **Free-cash-flow growth (3 yr): 65.8%/yr**. Free cash flow has compounded at 65.8% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $64 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.52%** ($0.30 per share, trailing). Crawford & Company yields 2.52%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 73%** (15% of free cash flow). 73% of earnings goes out as dividends, leaving a thin cushion.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 11.3%/yr** (1-yr 3.6%). The dividend has compounded at 11.3% a year over five years, doubling roughly every 6 years at that pace.

## Price and momentum
- **Total return (1 yr): 17.6%** (YTD 14.4%, 3-mo 17.3%). The shares are up 17.6% over twelve months including dividends.
- **From 52-week high: -11.0%** (37.7% above the low). Trading 11% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 0.14** (volatility 39%). Beta of 0.14 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CRD-B · Page: https://foliofundamentals.com/stocks/crd-b

Not investment advice.