UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): July 26, 2004
-------------
CRAWFORD & COMPANY
-------------------------------------------------------------------------------
(Exact name of Registrant as specified in its charter)
GEORGIA
-------------------------------------------------------------------------------
(State or other jurisdiction of incorporation)
1-10356 58-0506554
------------------------ ---------------------------------
(Commission File Number) (IRS Employer Identification No.)
5620 Glenridge Drive, N.E., Atlanta, Georgia 30342
-------------------------------------------------------------------------------
(Address of principal executive offices) (Zip Code)
(404) 256-0830
-------------------------------------------------------------------------------
(Registrant's telephone number, including area code)
ITEM 7. Financial Statements, Pro Forma Financial Statements and Exhibits
(c) Exhibits
Exhibit No. Description
99.1 Press Release dated July 26, 2004
ITEM 12. Results of Operations and Financial Condition
On July 26, 2004, Crawford & Company (the "Company") issued a press
release containing information about the Company's financial condition, results
of operations, and cash flows for the second quarter of 2004. A copy of the
press release is attached hereto as Exhibit 99.1.
The press release contains non-GAAP financial measures and a
reconciliation to the related GAAP measure is included. Operating earnings is
one of the key performance measures used by the Company's senior management to
evaluate the performance of its business and make resource allocation decisions.
The Company believes this measure is useful to investors in that it allows them
to evaluate its performance using the same criteria that management uses.
SIGNATURES
Pursuant to the requirements of the Securities and Exchange Act of
1934, the Registrant has duly caused this report to be signed on its behalf by
the undersigned hereunto duly authorized.
CRAWFORD & COMPANY
(Registrant)
By: /s/ JOHN F. GIBLIN
-----------------------------------
John F. Giblin
Executive Vice President and
Chief Financial Officer
Dated: July 26, 2004
2
EXHIBIT INDEX
Number Descriptions
------ ---------------
99.1 Press Release issued July 26, 2004
3