Crawford & Company (CRD-A) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Brokers
EV/EBITDA
↓
5.86
↓-21% vs avg
5yr avg: 7.39
30Y Low2.6·High9.8
P/FCF
↓
5.01
↓-78% vs avg
5yr avg: 22.66
30Y Low4.6·High57.7
P/B Ratio
↑
2.82
↓-11% vs avg
5yr avg: 3.16
30Y Low0.7·High4.7
ROE
↓
12.0%
↓+4% vs avg
5yr avg: 11.6%
30Y Low-96%·High39%
Debt/EBITDA
↓
2.32
↓-25% vs avg
5yr avg: 3.10
30Y Low0.2·High4.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CRD-A Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Crawford & Company trades at 24.7x earnings, 16% above its 5-year average of 21.3x, sitting at the 85th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 85%. On a free-cash-flow basis, the stock trades at 5.0x P/FCF, 78% below the 5-year average of 22.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $475M | $563M | $575M | $654M | $275M | $404M | $395M | $620M | $462M | $452M | $508M |
| Enterprise Value | $681M | $769M | $829M | $907M | $575M | $640M | $589M | $863M | $600M | $624M | $615M |
| P/E Ratio → | 24.74 | 28.85 | 21.81 | 21.26 | — | 13.14 | 13.69 | 63.72 | 17.80 | 16.35 | 14.13 |
| P/S Ratio | 0.36 | 0.43 | 0.43 | 0.50 | 0.22 | 0.35 | 0.39 | 0.59 | 0.41 | 0.39 | 0.43 |
| P/B Ratio | 2.82 | 3.29 | 3.70 | 4.67 | 2.23 | 1.91 | 2.11 | 3.76 | 2.56 | 2.33 | 3.19 |
| P/FCF | 5.01 | 5.94 | 57.66 | 9.73 | — | 17.30 | 7.07 | 11.46 | 20.64 | — | 7.30 |
| P/OCF | 4.66 | 5.53 | 11.14 | 6.30 | 9.95 | 7.44 | 4.23 | 8.24 | 8.82 | 11.10 | 5.14 |
P/E links to full P/E history page with 30-year chart
CRD-A EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Crawford & Company's enterprise value stands at 5.9x EBITDA, 21% below its 5-year average of 7.4x. The Financial Services sector median is 11.4x, placing the stock at a 49% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.59 | 0.62 | 0.69 | 0.47 | 0.56 | 0.58 | 0.82 | 0.53 | 0.54 | 0.52 |
| EV / EBITDA | 5.86 | 6.62 | 7.97 | 8.37 | 6.64 | 7.34 | 5.89 | 7.98 | 5.14 | 5.60 | 5.05 |
| EV / EBIT | 8.94 | 14.64 | 13.50 | 13.50 | 35.94 | 12.58 | 9.84 | 24.55 | 10.80 | 11.96 | 8.40 |
| EV / FCF | — | 8.11 | 83.14 | 13.50 | — | 27.38 | 10.56 | 15.96 | 26.77 | — | 8.83 |
CRD-A Profitability
Margins and return-on-capital ratios measuring operating efficiency
Crawford & Company earns an operating margin of 5.8%, below the Financial Services sector average of 21.2%. ROE of 12.0% is modest. ROIC of 14.5% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 24.5% | 24.5% | 27.4% | 27.3% | 24.9% | 25.6% | 27.4% | 28.1% | 28.0% | 27.6% | 27.8% |
| Operating Margin | 5.8% | 5.8% | 5.1% | 5.5% | 4.1% | 4.1% | 5.9% | 6.5% | 6.5% | 6.0% | 6.9% |
| Net Profit Margin | 1.5% | 1.5% | 2.0% | 2.3% | -1.5% | 2.7% | 2.8% | 1.2% | 2.3% | 2.4% | 3.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.0% | 12.0% | 18.0% | 23.3% | -10.9% | 15.4% | 16.1% | 7.2% | 13.9% | 15.7% | 25.4% |
| ROA | 2.5% | 2.5% | 3.3% | 3.8% | -2.2% | 3.8% | 3.7% | 1.7% | 3.5% | 3.6% | 4.7% |
| ROIC | 14.5% | 14.5% | 12.7% | 13.3% | 8.7% | 8.5% | 11.4% | 14.0% | 15.9% | 16.6% | 21.7% |
| ROCE | 15.9% | 15.9% | 13.5% | 14.3% | 9.5% | 8.9% | 11.6% | 13.5% | 14.4% | 13.5% | 15.7% |
CRD-A Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Crawford & Company carries a Debt/EBITDA ratio of 2.3x, which is manageable (44% below the sector average of 4.1x). Net debt stands at $206M ($270M total debt minus $64M cash). Interest coverage of just 2.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.58 | 1.58 | 1.99 | 2.23 | 2.81 | 1.37 | 1.28 | 1.79 | 1.05 | 1.16 | 1.18 |
| Debt / EBITDA | 2.32 | 2.32 | 2.97 | 2.88 | 4.00 | 3.31 | 2.39 | 2.72 | 1.63 | 2.02 | 1.54 |
| Net Debt / Equity | — | 1.20 | 1.63 | 1.81 | 2.43 | 1.11 | 1.04 | 1.47 | 0.76 | 0.89 | 0.67 |
| Net Debt / EBITDA | 1.77 | 1.77 | 2.44 | 2.34 | 3.46 | 2.70 | 1.95 | 2.25 | 1.18 | 1.54 | 0.87 |
| Debt / FCF | — | 2.17 | 25.48 | 3.77 | — | 10.08 | 3.49 | 4.49 | 6.13 | — | 1.53 |
| Interest Coverage | 2.93 | 2.93 | 3.02 | 3.39 | 1.46 | 7.28 | 7.32 | 3.05 | 4.87 | 5.27 | 7.37 |
CRD-A Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.14x means Crawford & Company can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has declined from 1.23x to 1.14x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.14 | 1.14 | 1.25 | 1.23 | 1.26 | 1.14 | 1.24 | 1.33 | 1.42 | 1.44 | 1.58 |
| Quick Ratio | 1.14 | 1.14 | 1.25 | 1.23 | 1.26 | 1.14 | 1.24 | 1.33 | 1.42 | 1.44 | 1.58 |
| Cash Ratio | 0.21 | 0.21 | 0.18 | 0.20 | 0.16 | 0.18 | 0.18 | 0.22 | 0.24 | 0.21 | 0.35 |
| Asset Turnover | — | 1.72 | 1.67 | 1.65 | 1.56 | 1.34 | 1.35 | 1.38 | 1.60 | 1.48 | 1.60 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CRD-A Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Crawford & Company returns 5.2% to shareholders annually — split between a 3.0% dividend yield and 2.2% buyback yield. The payout ratio of 73.0% is elevated — while still covered by earnings, there is limited headroom for dividend increases. The earnings yield of 4.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.0% | 2.5% | 2.4% | 1.9% | 4.3% | 3.1% | 2.4% | 2.1% | 2.9% | 3.0% | 2.7% |
| Payout Ratio | 73.0% | 73.0% | 51.7% | 41.5% | — | 41.3% | 34.1% | 105.5% | 52.1% | 49.5% | 37.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.0% | 3.5% | 4.6% | 4.7% | — | 7.6% | 7.3% | 1.6% | 5.6% | 6.1% | 7.1% |
| FCF Yield | 20.0% | 16.8% | 1.7% | 10.3% | — | 5.8% | 14.1% | 8.7% | 4.8% | — | 13.7% |
| Buyback Yield | 2.2% | 1.9% | 0.7% | 0.4% | 9.7% | 4.7% | 0.7% | 4.2% | 2.5% | 1.6% | 0.3% |
| Total Shareholder Yield | 5.2% | 4.4% | 3.1% | 2.4% | 14.0% | 7.9% | 3.1% | 6.4% | 5.4% | 4.7% | 2.9% |
| Shares Outstanding | — | $50M | $50M | $50M | $49M | $54M | $53M | $54M | $52M | $53M | $54M |
Peer Comparison
Compare CRD-A with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CRD-AYou | $475M | 24.7 | 5.9 | 5.0 | 24.5% | 5.8% | 12.0% | 14.5% | 2.3 |
 EIG | $967M | 91.9 | 67.7 | 22.8 | 32.2% | 1.4% | 1.1% | 1.0% | 3.1 |
 PLMR | $3B | 15.4 | 10.8 | 7.2 | 73.9% | 28.9% | 23.6% | 25.5% | 0.0 |
 JRVR | $207M | 5.7 | 5.5 | — | 28.4% | 7.4% | 7.5% | 5.9% | 6.6 |
 MCY | $5B | 9.8 | 6.2 | 5.2 | 33.9% | 11.1% | 24.8% | 28.4% | 0.8 |
 HLNE | $4B | 16.4 | 13.3 | 13.6 | 70.8% | 44.4% | 27.2% | 21.2% | 1.1 |
 KINS | $258M | 11.1 | 9.3 | 4.6 | 37.8% | 15.0% | 36.3% | 34.9% | 0.4 |
 ACN | $109B | 14.4 | 8.3 | 10.0 | 31.9% | 14.7% | 25.0% | 26.8% | 0.6 |
 MMC | $85B | 21.3 | 16.0 | 21.4 | 42.8% | 23.8% | 31.3% | 15.2% | 3.3 |
 AON | $66B | 18.1 | 15.3 | 20.5 | 47.7% | 25.3% | 46.3% | 13.5% | 3.1 |
 WTW | $24B | 15.5 | 10.4 | 15.4 | 42.1% | 23.0% | 20.0% | 14.0% | 2.6 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonCRD-A — Frequently Asked Questions
Quick answers to the most common questions about buying CRD-A stock.
What is Crawford & Company's P/E ratio?
Crawford & Company's current P/E ratio is 24.7x. The historical average is 18.2x. This places it at the 85th percentile of its historical range.
What is Crawford & Company's EV/EBITDA?
Crawford & Company's current EV/EBITDA is 5.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.4x.
What is Crawford & Company's ROE?
Crawford & Company's return on equity (ROE) is 12.0%. The historical average is 10.8%.
Is CRD-A stock overvalued?
Based on historical data, Crawford & Company is trading at a P/E of 24.7x. This is at the 85th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Crawford & Company's dividend yield?
Crawford & Company's current dividend yield is 2.97% with a payout ratio of 73.0%.
What are Crawford & Company's profit margins?
Crawford & Company has 24.5% gross margin and 5.8% operating margin.
How much debt does Crawford & Company have?
Crawford & Company's Debt/EBITDA ratio is 2.3x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.