FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December31, 2025 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the transition period from__________to__________ Commission file number 0-33169 Cross Country Healthcare,Inc.(Exact name of registrant as specified in its charter) 13-4066229 (I.R.S. Employer Identification No.) (State or other jurisdiction of incorporation or organization) 5201 Congress Avenue, Suite 160Boca Raton, Florida 33487(Address of principal executive offices, zip code) Registrant’s telephone number, including area code:(561)998-2232 Securities registered pursuant to Section12(b) of the Act: Title of each classTrading symbolName of each exchange on which registeredCommon Stock, par value $0.0001 per shareCCRNThe Nasdaq Stock Market LLC Securities registered pursuant to Section12(g) of the act: None Indicate by check mark if the Registrant is a well-known seasoned issuer, as defined in Rule405 of the Securities Act. Yes☐No☑ Indicate by check mark if the Registrant is not required to file reports pursuant to Section13 or Section15(d) of the Act. Yes☐No☑ Indicate by check mark whether the Registrant: (1)has filed all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12months (or for such shorter period that the Registrant was required to file such reports),and (2)has been subject to such filing requirements for the past 90days. Yes☑No☐ Indicate by check mark whether the registrant has submitted electronically and posted on its corporate web site, if any, everyInteractive Data File required to be submitted and posted pursuant to Rule405 of RegulationS-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).Yes☑No☐ Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company,” and “emerging growth company” in Rule12b-2 of the Exchange Act: Large accelerated filer☐Acceleratedfiler☑Non-acceleratedfiler☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectivenessof its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registeredpublic accounting firm that prepared or issued its audit report.☑ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statementsof the registrant included in the filing reflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-basedcompensation received by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the Registrant is a shell company (as defined by Rule12b-2 of the Act).Yes☐No☑ The aggregate market value of the voting stock held by non-affiliates of the Registrant, based on the closing price of Common Stockon June 30, 2025 of $13.05 as reported on the Nasdaq Global Select Market, was $393,124,934.This calculation does not reflect adetermination that persons are affiliated for any other purpose. As of February 17, 2026, 32,318,741 shares of Common Stock, $0.0001 par value per share, were outstanding. DOCUMENTS INCORPORATED BY REFERENCE Portions of the Registrant’s definitive proxy statement for the 2026 Annual Meeting of Stockholders, which statement will be filedpursuant to Regulation14A not later than 120days after the end of the fiscal year covered by this report, are incorporated by referenceinto PartIII hereof. TABLE OF CONTENTS PART I Item 1.Business1Item 1A.Risk Factors11Item 1B.Unresolved Staff Comments22Item 1C.Cybersecurity22Item 2.Properties24Item 3.Legal Proceedings24Item 4.Mine Safety Disclosures24PART IIItem 5.Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of EquitySecurities24Item 6.[Reserved]26Item 7.Management’s Discussion and Analysis of Financial Condition and Results of Operations26Item 7A.Quantitative and Qualitative Disclosures about Market Risk38Item 8.Financial Statements and Supplementary Data38Item 9.Changes in and Disagreements with Accountants on Accounting and Financial Disclosure38It