Revenue: As of FY2025 Q3, the actual value is USD 322.17 M, missing the estimate of USD 344.35 M.EPS: As of FY2025 Q3, the actual value is USD 0.25, missing the estimate of USD 0.27.EBIT: As of FY2025 Q3, the actual value is USD 21.99 M.<h3>Financial Metrics by Segment</h3><h4>Segment Revenue</h4><ul><li>North America Loss Adjusting: Revenue decreased by 2.9% to $77.0 million, primarily due to a decline in property claims in the U.S.</li><li>International Operations: Revenue grew by 6.7% to $112.9 million, with broad-based growth across the UK, Europe, Asia, and Australia.</li><li>Broadspire: Revenue increased by 4.4% to $103.4 million, driven by continued growth in client demand and case volumes.</li><li>Platform Solutions: Revenue decreased by 36% to $28.9 million, affected by ongoing weather-related declines in the CAT and Contractor Connection business lines.</li></ul><h4>Operational Metrics</h4><ul><li>Net Income: Increased by 31% to $12.4 million.</li><li>Operating Earnings: Consolidated operating earnings increased by 21.8% to $26.6 million, with margin expansion in all segments.</li><li>Operating Margin: Improved by 170 basis points to 8.3%.</li><li>Adjusted EBITDA: Increased by 23% to $36.3 million, with an adjusted EBITDA margin of 11.3%.</li></ul><h4>Cash Flow</h4><ul><li>Operating Cash Flow: Cash flows from operating activities were $51.7 million, a significant increase from the previous period.</li><li>Free Cash Flow: Improved to $24.1 million from a negative $18.4 million in the prior period.</li></ul><h4>Unique Metrics</h4><ul><li>Leverage Ratio: Remained low at 1.64x EBITDA, significantly below the industry average.</li><li>Dividend: Paid a quarterly dividend of $0.075 per share for both CRD-A and CRD-B.</li></ul><h4>Outlook / Guidance</h4>Crawford &amp; Company anticipates continued growth driven by its diversified global business model and strategic partnerships. The company is committed to investing in long-term growth through capital expenditures and mergers and acquisitions, while maintaining strong liquidity and a disciplined approach to capital allocation. The outlook remains positive with a focus on expanding market presence and leveraging next-generation Insurtech capabilities.

Crawford & Co-B | 8-K: FY2025 Q3 Revenue Misses Estimate at USD 322.17 M