All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2025-03-04.
From the record
Crawford & Company's filings since 2017 show 2 warning events: an auditor change (8-K item 4.01, 2 times, the latest 2025-03-04) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+1.2% a year over 10 filed years; profitable in 9 of 10.
From the record
Crawford & Company's 10 filed years say what it did: revenue went from $1.2 billion in fiscal 2016 to $1.3 billion in fiscal 2025, up 1.2% a year; it rose in 4 of 9 years; the deepest fall was 14% from fiscal 2016 to fiscal 2020; net income was positive in 9 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 6.4/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Crawford & Company's shareholder treatment is put at 6.4 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the top 36% of 29 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 78%: owes 78¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Crawford & Company earned about 11 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 48 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 78 cents per dollar of assets (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 34% of 30 in its family; net margin 1.5%.
From the record
Crawford & Company's standing among 30 graded names in its industry family: revenue of $1.3 billion in fiscal 2025 ranks in the top 50% by size; a net margin of 1.5% ranks in the bottom 37%; revenue growth of 2.1% a year over the last 3 filed years ranks in the bottom 17% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 38% of 21 in its family for leadership; chief executive since 2026.
From the record
Crawford & Company's leadership, from its insiders' filings and its current reports: the chief executive on the record is Swain, William B Jr (CEO & President, as filed), filing under that title since 2026-03-12, 8 months (bottom 20% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 6.1 years (top 42%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (bottom 38%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 36% of 29 in its family for room to expand.
From the record
Crawford & Company's room to grow, from the newest filed statements (fiscal 2025): cash of $64 million against debt of $151 million leaves -11.3% of its assets as net cash, bottom 31% of its family; cash from operations less capital spending is 7.2% of revenue (bottom 40%); a gross margin of 28% (bottom 38%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 48% of 29 in its family for growth drivers.
From the record
Crawford & Company's growth drivers, from the filed years to fiscal 2025: revenue grew 2.1% a year over the last three filed years against 1.2% over all 10, speeding up (top 21% of its family); the newest year grew -2.2% (bottom 17%); capital spending grew 0.9% a year (bottom 48%) (its annual reports). Crawford & Company reported 5 lines of business in fiscal 2025: International Operations at $438 million (34%), International Loss Adjusting at $419 million (32%), North America Loss Adjusting at $305 million (23%), and 2 more; 2 of 5 grew against the year before (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 48% of 25 in its family for expectations against reality.
From the record
Crawford & Company's newest year against its own record: revenue of $1.3 billion in fiscal 2025 came in 6.3% below the $1.4 billion its prior three years' pace pointed to (bottom 48% of its family); net income of $20 million against a prior three-year average of $13 million (top 40%); a net margin of 1.5% against 0.9% before (bottom 48%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made