Crawford & (CRD-A)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
At a market value of $621M, Crawford &'s free cash flow of $63M (fiscal 2025) would need to grow about -4% a year for the stock to be worth today's price. That is slower than the company has grown its free cash flow over the last 9 years.
Assumes a 9% discount rate and 3% growth after year 10, on free cash flow (operating cash flow minus capital spending) from Crawford &'s SEC filings. Change any assumption, or model revenue and margins instead, in the Modeling tab, or try your own numbers in the reverse DCF calculator.
Fundamental grade
Five factors scored 1 to 9 from CRD-A's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Crawford &'s 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.1B | $1.2B | $1.3B | $1.3B | $1.3B |
| Net income | $31M | -$18M | $31M | $27M | $20M |
| Free cash flow | $23M | -$7M | $67M | $10M | $63M |
| EPS (diluted) | — | — | — | — | — |
| Operating margin | 3.5% | 0.28% | 4.2% | 3.8% | 3.4% |
Where the revenue comes from
Revenue by products, fiscal 2025. Every breakdown, year by year.
Superinvestors who own CRD-A
From each investor's latest 13F filing (what a 13F shows).
Insider buying
Open-market purchases by Crawford &'s executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
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In the full deep dive
Questions
What growth does Crawford &'s stock price imply?
At a market value of $621M, Crawford & would need its free cash flow to grow about -4% a year for 10 years (discounted at 9%, 3% growth after that) to be worth today's price. Over the last 9 years its free cash flow grew -1% a year.
Are Crawford & insiders buying the stock?
No open-market insider purchases of CRD-A in the last 12 months, according to SEC Form 4 filings.
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Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.