Crawford Financials

CRD-B Stock  USD 10.80  0.30  2.70%   
Based on the measurements of operating efficiency obtained from Crawford's historical financial statements, Crawford Company may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Crawford's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 183.6 M, whereas Total Assets are forecasted to decline to about 617.8 M. Key indicators impacting Crawford's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio1.731.6484
Sufficiently Up
Slightly volatile
Operating Income60.1 M67.8 M
Fairly Down
Very volatile
Current Ratio1.831.2341
Way Up
Very volatile
Investors should never underestimate Crawford's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Crawford's cash flow, debt, and profitability to make informed and accurate decisions about investing in Crawford Company.

Net Income

17.96 Million

  
Understanding current and past Crawford Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Crawford's financial statements are interrelated, with each one affecting the others. For example, an increase in Crawford's assets may result in an increase in income on the income statement.
Please note, the presentation of Crawford's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Crawford's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Crawford's management manipulating its earnings.

Crawford Stock Summary

Crawford competes with CorVel Corp, Erie Indemnity, Willis Towers, Huize Holding, and EHealth. Crawford Company provides claims management and outsourcing solutions for carriers, brokers, and corporations in the United States, the United Kingdom, Europe, Canada, Australia, and internationally. The company was founded in 1941 and is headquartered in Atlanta, Georgia. Crawford operates under Insurance Brokers classification in the United States and is traded on NYQ Exchange. It employs 9253 people.
Specialization
Financial Services, Insurance Brokers
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS2246331076
Business Address5335 Triangle Parkway,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.crawco.com
Phone404 300 1000
CurrencyUSD - US Dollar

Crawford Key Financial Ratios

Crawford Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets760.0M753.0M852.6M791.5M799.2M617.8M
Other Current Liab114.3M160.8M218.2M125.2M148.9M126.6M
Net Debt243.0M194.9M235.4M300.4M253.2M265.8M
Retained Earnings249.6M265.2M266.4M213.1M228.6M210.7M
Cash51.8M44.7M53.2M46.0M58.4M55.2M
Net Receivables239.9M226.6M253.2M276.5M252.8M216.1M
Other Current Assets23.5M29.5M34.6M28.8M63.0M66.2M
Total Liab595.1M566.1M641.2M668.1M659.4M431.0M
Total Current Assets315.2M302.0M345.9M351.3M369.3M315.6M
Short Term Debt59.3M34.6M35.9M73.0M63.6M66.8M
Intangible Assets141.5M142.2M173.4M171.0M178.6M124.3M
Accounts Payable34.4M41.5M48.5M50.8M45.1M37.6M
Common Stock53.3M53.4M51.8M48.6M49.1M57.0M
Good Will80.6M66.5M116.5M76.6M76.7M104.3M
Net Tangible Assets(60.5M)(21.8M)(77.9M)124.5M143.2M150.4M
Capital Surpluse63.4M67.2M74.2M78.2M89.9M59.8M
Long Term Debt Total148.4M111.8M164.3M211.8M243.6M183.9M

Crawford Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense10.8M7.9M6.6M10.3M19.8M20.8M
Total Revenue1.0B1.0B1.1B1.2B1.3B920.0M
Gross Profit294.9M278.9M291.8M306.4M359.1M245.6M
Operating Income64.4M59.1M50.4M52.2M67.8M60.1M
Ebit104.8M(857.1M)(1.0B)(1.1B)75.3M79.1M
Ebitda105.0M99.2M73.9M88.3M111.1M89.8M
Cost Of Revenue752.8M737.3M847.4M924.9M908.1M674.4M
Income Before Tax23.6M39.1M43.9M5.0M47.4M32.0M
Net Income9.5M28.3M30.7M(18.5M)30.6M18.0M
Income Tax Expense14.1M12.0M13.3M23.6M17.1M14.0M
Non Recurring1.1M30.0M25.8M36.8M33.1M27.9M
Minority Interest(3.0M)(1.2M)(144K)(227K)349K366.5K
Tax Provision14.1M12.0M13.3M23.6M17.1M13.9M
Net Interest Income(10.8M)(7.9M)(6.6M)(10.3M)(17.0M)(16.2M)
Interest Income745K264K424K654K2.8M2.9M

Crawford Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(1.3M)(7.1M)9.0M(7.0M)12.9M13.5M
Free Cash Flow54.1M55.8M23.4M(7.0M)67.2M70.6M
Depreciation40.5M40.1M40.2M36.1M35.7M27.4M
Other Non Cash Items17.5M3.9M(144K)38.2M4.3M8.2M
Capital Expenditures21.1M37.4M31.0M34.6M36.6M23.2M
Net Income9.5M27.1M30.5M(18.5M)30.6M18.2M
End Period Cash Flow51.8M44.7M53.7M46.6M59.5M53.3M
Dividends Paid13.2M9.6M12.7M11.8M12.7M11.3M
Change To Inventory7.8M(18.4M)(25.3M)12.0M13.8M14.5M
Change Receivables5.9M5.1M(5.5M)(15.5M)(14.0M)(13.3M)
Net Borrowings(14.8M)(61.6M)58.7M67.4M77.6M81.4M
Change To Netincome24.6M(710K)4.6M47.6M42.9M45.0M
Investments(23.4M)(27.0M)(70.8M)(57.9M)(36.6M)(38.4M)

Crawford Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Crawford's current stock value. Our valuation model uses many indicators to compare Crawford value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Crawford competition to find correlations between indicators driving Crawford's intrinsic value. More Info.
Crawford Company is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.29  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Crawford Company is roughly  3.50 . At present, Crawford's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Crawford's earnings, one of the primary drivers of an investment's value.

Crawford Systematic Risk

Crawford's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Crawford volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Crawford correlated with the market. If Beta is less than 0 Crawford generally moves in the opposite direction as compared to the market. If Crawford Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Crawford is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Crawford is generally in the same direction as the market. If Beta > 1 Crawford moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Crawford Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Crawford's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Crawford growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.0739)

At present, Crawford's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Crawford November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Crawford help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Crawford Company. We use our internally-developed statistical techniques to arrive at the intrinsic value of Crawford Company based on widely used predictive technical indicators. In general, we focus on analyzing Crawford Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Crawford's daily price indicators and compare them against related drivers.

Complementary Tools for Crawford Stock analysis

When running Crawford's price analysis, check to measure Crawford's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Crawford is operating at the current time. Most of Crawford's value examination focuses on studying past and present price action to predict the probability of Crawford's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Crawford's price. Additionally, you may evaluate how the addition of Crawford to your portfolios can decrease your overall portfolio volatility.
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