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Crawford & Company
Crawford & Company (CRD-A) investor relations material
Crawford & Company Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Net income rose 31% year-over-year to $12.4 million in Q3 2025, with diluted EPS up to $0.25 for both share classes and non-GAAP EPS up 45% to $0.32; revenues before reimbursements declined 2% to $322.2 million, but Broadspire and International Operations achieved record quarterly revenues and margin expansion across all segments.
Operating earnings increased to $26.6 million (up 21.8%), and adjusted EBITDA grew 23% to $36.3 million, with margin improvements in all segments.
Added $29 million in new business in Q3, bringing the year-to-date total to $78 million.
Strong balance sheet with cash and cash equivalents of $68.8 million and a leverage ratio of 1.64x EBITDA.
Quarterly dividend of $0.075 per share paid and active share repurchase program continued, with board authorizing an additional 2 million shares for repurchase through 2027.
Financial highlights
Q3 2025 revenues before reimbursements were $322.2 million (down 2.2% YoY); non-GAAP revenues excluding FX were $318.8 million (down 3% YoY).
Net income attributable to shareholders was $12.4 million (up 31% YoY); non-GAAP net income was $16.1 million (up 48% YoY).
GAAP diluted EPS was $0.25 (up from $0.19); non-GAAP diluted EPS was $0.32 (up from $0.22).
Adjusted EBITDA was $36.3 million (11.3% of revenues), up from $29.6 million (9%).
Free cash flow for the nine months ended September 30, 2025, was $24.1 million, a $42.5 million improvement year-over-year.
Outlook and guidance
Expect continued lower claims activity and absence of significant weather events to impact Q4 results; do not anticipate repeating the $30 million revenue lift from last year’s hurricanes.
Anticipate a return to more typical claims activity and weather-related revenue over the next 12–18 months.
International segment expected to moderate in Q4 due to absence of prior year one-time benefits, but long-term trajectory remains strong.
Management expects the effective tax rate for 2025 to be approximately 34% to 36%.
No material changes to critical accounting policies or market risk exposures are anticipated.
When do you expect U.S. residential claims to normalize?
Is Platform Solutions margin improvement sustainable?
Share repurchase program: expected activity level?
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Next Crawford & Company earnings date
Q4 20252 Mar, 2026
Crawford & Company
Next Crawford & Company earnings date
Q4 20252 Mar, 2026
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Frequently asked questions
Crawford & Company delivers claims management and outsourcing services to insurance companies, brokers, and self-insured entities. The company provides loss adjusting, third-party administration, and catastrophe response services for property, casualty, and workers’ compensation claims. The company is headquartered in Atlanta, Georgia, and its shares are listed on the NYSE.
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