CreditRiskMonitor (CRMZ) AI Stock Analysis

• Market Cap: $23.69M
• Dividend Yield: N/A
• Average Volume (3M): 3.03K
• Price to Earnings (P/E): 18.9
• Beta (1Y): -0.13
• Revenue Growth: 2.38%
• EPS Growth: 7.13%
• Country: US
• Employees: 90
• Sector: Technology
• Sector Strength: 88
• Industry: Financial - Capital Markets
• EPS (TTM): 0.04
• Shares Outstanding: 10,767,501
• 10 Day Avg. Volume: 1,257
• 30 Day Avg. Volume: 3,028
• PEG Ratio: -0.70
• Price to Book (P/B): <0.01
• Price to Sales (P/S): 1.44
• P/FCF Ratio: 0.04
• Enterprise Value/Market Cap: -259.20
• Enterprise Value/Revenue: -305.11
• Enterprise Value/Gross Profit: -551.56
• Enterprise Value/Ebitda: -6.59K
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 53 Neutral
• Price Target: $2.50 ▼(-3.10% Downside)
• Action: Reiterated Date: 03/25/26
• Date: Action: Reiterated 03/25/26

The score is anchored by moderate financial performance, supported by reduced leverage and positive free cash flow, but meaningfully tempered by low confidence in 2025 data comparability. Technicals are weak with the stock trading below major moving averages and negative MACD, while valuation inputs are largely unusable (P/E shown as 0 and no dividend). A negative accounting leadership change further weighs on the outlook.

Positive Factors

Recurring subscription revenue

A subscription and data-licensing business model produces recurring, contractable revenue and higher revenue visibility. Enterprise licensing and integration deals support expansion revenue and stickiness, enabling predictable cash flows and durable margin leverage over a multi-month horizon.

Negative Factors

2025 data comparability risk

Extreme outlier figures for 2025 reduce confidence in trend analysis and make forecasting renewal and expansion behavior harder. This undermines visibility into sustainable revenue and margin trajectories, complicating medium-term planning and investor assessment of performance drivers.

CreditRiskMonitor Business Overview & Revenue Model

Company Description

CreditRiskMonitor.com, Inc. provides interactive business-to-business software-as-a-service subscription products for corporate credit and procurement professionals worldwide. It publishes commercial credit reports of public and private companies,...

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CreditRiskMonitor.com, Inc. provides interactive business-to-business software-as-a-service subscription products for corporate credit and procurement professionals worldwide. It publishes commercial credit reports of public and private companies,...

How the Company Makes Money

CreditRiskMonitor primarily makes money by selling subscriptions (typically SaaS-style access) to its credit risk monitoring and analytics platform. Customers pay recurring fees to access tools and datasets used for assessing and continuously moni...

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CreditRiskMonitor primarily makes money by selling subscriptions (typically SaaS-style access) to its credit risk monitoring and analytics platform. Customers pay recurring fees to access tools and datasets used for assessing and continuously moni...

CreditRiskMonitor Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	20.12M	19.81M	18.93M	17.98M	17.07M
Gross Profit	10.85M	11.19M	11.10M	10.99M	10.73M
EBITDA	932.00K	1.65M	1.88M	2.15M	2.60M
Net Income	1.02M	1.67M	1.70M	1.36M	3.36M
Balance Sheet
Total Assets	26.24B	24.91M	24.24M	22.47M	20.43M
Cash, Cash Equivalents and Short-Term Investments	6.25B	9.14M	14.50M	13.90M	12.38M
Total Debt	84.53M	0.00	1.77M	1.96M	2.14M
Total Liabilities	13.88B	13.77M	14.87M	14.90M	14.30M
Stockholders Equity	12.35B	11.14M	9.37M	7.57M	6.13M
Cash Flow
Free Cash Flow	699.92M	2.49M	1.15M	1.49M	1.62M
Operating Cash Flow	968.19M	2.87M	1.45M	1.74M	1.98M
Investing Cash Flow	-1.49B	-7.20M	-311.00K	-4.26M	101.42K
Financing Cash Flow	96.94M	0.00	0.00	0.00	0.00

CreditRiskMonitor Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.58
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRMZ, the sentiment is Negative. The current price of 2.58 is above the 20-day moving average (MA) of 2.31, above the 50-day MA of 2.41, and above the 200-day MA of 2.45, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 34.70 is Neutral, neither overbought nor oversold. The STOCH value of 4.44 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CRMZ.

CreditRiskMonitor Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
COHN	74 Outperform	$40.67M	2.83	31.32%	6.45%	214.07%	-40.88%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
SIEB	54 Neutral	$75.33M	27.67	5.65%	―	8.47%	-32.22%
CRMZ	53 Neutral	$23.69M	18.90	13.02%	―	2.38%	7.13%
DOMH	52 Neutral	$62.19M	-3.15	116.21%	―	―	―
MDBH	52 Neutral	$33.48M	-0.77	17.65%	―	121.21%	―

CreditRiskMonitor Corporate Events