{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-085450","form_type":"8-K","ticker":"CRD-A","cik":"0000025475","company_name":"CRAWFORD & CO","filed_at":"2026-03-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.301342+00:00","generated_at":"2026-05-15T22:53:21.974196+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Crawford & Co Q4 net loss $7.2M ($0.15/share); revenue down 11% to $308.5M","bullets":["Q4 net loss of $7.2M vs income $5.7M a year ago; diluted EPS ($0.15) vs $0.11/$0.12.","Revenue before reimbursements fell 11.2% to $308.5M, driven by lower hurricane-related claims.","Full year 2025 net income $19.6M ($0.39/$0.40) down 26% from $26.6M ($0.53/$0.54) in 2024.","Broadspire and International Operations set annual revenue records at $401.9M (+3.6%) and $438.2M (+4.7%).","Non-GAAP adjusted EPS $0.15 for Q4, $0.91 for FY25 (up 15% YoY); $14M pretax restructuring costs incurred."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-085450","json":"https://secwatch.observer/filing/0001193125-26-085450.json","markdown":"https://secwatch.observer/filing/0001193125-26-085450.md","text":"https://secwatch.observer/filing/0001193125-26-085450.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/25475/000119312526085450/0001193125-26-085450-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/25475/000119312526085450/crda-20260302.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T22:53:21.974196+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}