Crawford & Company (CRD-B) Fair Value & Analysis
Financial Services · US · Market cap $593M
Crawford & Company
CRD-B · US
Fair value as of: Aug 17, 2026
From 6 valuation models · updated today
Share price +23.6% over the past month.
A solid business, but screening 60% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($6.21). The favourable scenario is already priced in.
- Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 17, 2026.
How to read this chart
60‑month range $4.55 – $12.47 · fair‑value band $3.73 – $6.21 · the $12.47 price screens above the $4.97 fair value. Dashed = 300-day average. As of Aug 17, 2026.
Analysis
Crawford & Company (CRD-B) currently trades at $12.47, while our model-based Fair Value estimate is $4.97, implying the stock looks roughly 60.1% overvalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Crawford & Company generated revenue of $1.3B at a net margin of 1.4%. Revenue declined 0.8% year over year. It earns a return on equity of 10.7%. Net debt stands at $206M. Fundamentals as of Aug 17, 2026
Our scenario range runs from $3.73 (bear case) to $6.21 (bull case); at $12.47, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 47% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -60%, CRD-B screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($4.84) versus Asset-Based ($2.32). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 73
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Crawford & Company provides claims management and outsourcing solutions for carriers, brokers, and corporations in the United States, the United Kingdom, Europe, Canada, Australia, Asia, and Latin America.
Full company description
Crawford & Company provides claims management and outsourcing solutions for carriers, brokers, and corporations in the United States, the United Kingdom, Europe, Canada, Australia, Asia, and Latin America. The company provides claims management services to insurance carriers and self-insured entities risk, including property, public liability, automobile liability, and marine insurance; claims management and adjusting services to insurance carriers and self-insured entities from property and casualty insurance company markets; and field investigation and the evaluation and resolution of property and casualty insurance claims. It also offers claims management services, including workers' compensation, liability, and property; death and dismemberment, business travel, life, disability, critical illness, and credit protection claims programs; short and long term disability, family medical leave act, Americans with disabilities act, and state leave claims; legal services, risk management information, and consultative analytical services; loss mitigation services, such as medical bill review, medical case management and vocational rehabilitation; risk management information services; and administration of loss funds established to pay claims. In addition, the company provides managed repair service and outsourced contractor management to national and regional personal and commercial insurance carriers; services to insurance companies on losses caused by all types of natural disasters comprising fires, hailstorms, hurricanes, earthquakes, floods, as well as man-made disasters, such as oil spills, chemical releases, and explosions; staff augmentation that provides temporary staffing resources; and outsourced subrogation claims management, recovery, and consultative services for the property and casualty insurance industry. Crawford & Company was founded in 1941 and is headquartered in Atlanta, Georgia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Crawford & Company reported revenue of $1.3B in FY2025 versus $1.1B in FY2021, a compound +3.6%/yr. Reported net income was $19.6M in FY2025, compounding −10.6%/yr from FY2021.
of which total revenue +1.1 pp · buybacks/dilution +0.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
CRD-B screens 60% overvalued. Compare with Marsh & McLennan Companies, Inc →
Peer Group
Insurance Brokers · 36 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance Brokers median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Aug 17, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $188.86 | $112.25 | -41% |
| Aon plc AON | $352.36 | $224.91 | -36% |
| Arthur J. Gallagher & Co AJG | $255.46 | $75.58 | -70% |
| Willis Towers Watson Public Limited WTW | $340.29 | $220.92 | -35% |
| Brown & Brown, Inc BRO | $71.06 | $40.43 | -43% |
| Erie Indemnity Company ERIE | $256.64 | $113.32 | -56% |
| PB Fintech Limited POLICYBZR | ₹1,739 | ₹204.86 | -88% |
| Neptune Insurance Holdings NP | $30.77 | $3.52 | -89% |
| Steadfast Group SDF | A$5.27 | A$3.92 | -26% |
| CorVel Corporation CRVL | $62.75 | $39.55 | -37% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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