Filing Flows

Filing Flows › Companies › Crawford › Cash flow

Crawford cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$5.0M in Q3 2026 · $71.8M over twelve months

Operating cash flow$5.8M
Capital spending−$857K
Free cash flow+$5.0M
Cash / net income0.4×
Cash conversion cycle17 days

Analysis

In Q3 2026, Crawford generated $5.8M of operating cash flow and spent $857K on capital projects, leaving free cash flow of $5.0M. That is $24.3M less than in Q3 2025 ($29.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $79.1M; the largest uses were buybacks ($30.1M), other investing ($25.2M), dividends ($14.8M); besides operations, cash came from net borrowing (+) / repaid (−) ($7.0M), asset & business sales ($5.3M); the cash balance rose by $12.1M.

Operating cash flow was $5.8M against net income of $15.0M — 0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: prepaid and other assets −$11.7M, depreciation & amortization +$9.4M, payables −$6.7M.

Its cash conversion cycle was 17 days (receivables 34 + inventory 0 − payables 17).

Free cash flow

Crawford: free cash flow by quarterCrawford: free cash flow by quarter$37.3MQ4 2024−$14.9MQ1 2025$33.6MQ2 2025$29.3MQ3 2025$46.9MQ4 2025$1.4MQ1 2026$18.6MQ2 2026$5.0MQ3 2026
Operating cash flow less capital spending.
Crawford: operating cash flow against capital spendingCrawford: operating cash flow against capital spendingOperating cash flowCapital spending$40.5M$3.2MQ4 2024−$13.9M$994KQ1 2025$35.0M$1.4MQ2 2025$30.6M$1.4MQ3 2025$50.1M$3.2MQ4 2025$3.3M$1.9MQ1 2026$19.9M$1.3MQ2 2026$5.8M$857KQ3 2026
Latest (Q3 2026): Operating cash flow $5.8M, Capital spending $857K.

Capital allocation, year by year

Crawford: where the cash came from (up) and went (down), by fiscal yearCrawford: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $54.3MFY2021: Net borrowing $60.6MFY2021: Shares issued $1.6MFY2021: Capital spending −$9.2MFY2021: Acquisitions −$46.4MFY2021: Buybacks −$19.1MFY2021: Dividends −$12.7M$117MFY2021FY2022: Operating cash flow $27.6MFY2022: Net borrowing $67.4MFY2022: Shares issued $821KFY2022: Asset sales $3.0MFY2022: Capital spending −$6.8MFY2022: Acquisitions −$26.3MFY2022: Buybacks −$26.7MFY2022: Dividends −$11.8M$98.9MFY2022FY2023: Operating cash flow $104MFY2023: Net borrowing −$31.5MFY2023: Shares issued $1.5MFY2023: Capital spending −$4.9MFY2023: Buybacks −$2.7MFY2023: Dividends −$12.7M$105MFY2023FY2024: Operating cash flow $51.6MFY2024: Net borrowing $8.4MFY2024: Shares issued $1.9MFY2024: Capital spending −$6.2MFY2024: Buybacks −$3.9MFY2024: Dividends −$13.8M$61.9MFY2024FY2025: Operating cash flow $102MFY2025: Net borrowing −$29.8MFY2025: Shares issued $2.0MFY2025: Asset sales $2.0MFY2025: Capital spending −$7.0MFY2025: Buybacks −$10.5MFY2025: Dividends −$14.3M$106MFY2025
Over these 5 years operating cash flow totalled $339M; the largest uses were acquisitions ($72.7M) and dividends ($65.3M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$79.0M
Debt$264M
Net debt$184M
Due within a year$38.5M

Crawford funds itself: free cash flow was $71.8M over the last twelve months, and $79.0M of cash and investments stands against $264M of debt ($38.5M due within a year, 2.1× covered by cash).

Crawford: debt maturities by year (FY2025)Crawford: debt maturities by year (FY2025)$38.5MYear 1$151MYear 5
Principal due in each year as disclosed in the annual report, against $79.0M of cash and investments now.

Where the cash came from and went

Crawford: sources (+) and uses (−) of cash, Q3 2026Crawford: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)$27.0MBuybacks−$13.5MCash drawn (+) / kept (−)−$7.4MOperating cash flow$5.8MOther investing−$5.5MDividends−$3.8MOther financing−$992KCapital spending−$857KExchange rates−$366KAsset & business sales−$253KTaxes on employees’ shares−$247K
Crawford: sources (+) and uses (−) of cash, TTM to Q3 2026Crawford: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$79.1MBuybacks−$30.1MOther investing−$25.2MDividends−$14.8MCash drawn (+) / kept (−)−$12.1MCapital spending−$7.3MNet borrowing (+) / repaid (−)$7.0MAsset & business sales$5.3MTaxes on employees’ shares−$3.5MOther financing$1.4MExchange rates$122K

From profit to cash

Crawford: net income to operating cash flow, Q3 2026Crawford: net income to operating cash flow, Q3 2026Net income$15.0MDepreciation & amortization$9.4MStock-based pay$775KGains on disposals−$7KReceivables−$5.7MPayables−$6.7MDeferred revenue−$812KPrepaid and other assets−$11.7MIncome taxes payable$1.9MOperating cash flow$5.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q3 202634—1717
Q2 202633—2013
Q1 202633—1914
Q4 202535—1718
Q3 202537—1819
Q2 202537—1719
Q1 202538—1820
Q4 202435—1619

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$5.8M−$857K−$13.5M−$3.8M$27.0M−$7.4M$5.0M
Q2 2026$19.9M−$1.3M−$3.5M−$3.6M$4.0M−$9.4M$18.6M
Q1 2026$3.3M−$1.9M−$5.5M−$3.7M$5.0M$108K$1.4M
Q4 2025$50.1M−$3.2M−$7.6M−$3.7M−$29.0M$4.6M$46.9M
Q3 2025$30.6M−$1.4M−$3.0M−$3.7M−$7.3M−$10.2M$29.3M
Q2 2025$35.0M−$1.4M—−$3.5M−$21.9M−$898K$33.6M
Q1 2025−$13.9M−$994K—−$3.5M$28.5M−$1.7M−$14.9M
Q4 2024$40.5M−$3.2M−$263K−$3.4M−$20.4M−$1.6M$37.3M

Crawford: income statement and cash flow

Crawford, Q3 2026: revenue $330M (-0.9% year over year), operating margin 7.3%. The chart follows the revenue to costs, profit and cash.

Crawford: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.