CreditRiskMonitor (CRMZ) AI Stock Analysis

• Market Cap: $26.27M
• Dividend Yield: N/A
• Average Volume (3M): 3.58K
• Price to Earnings (P/E): 15.7
• Beta (1Y): -0.09
• Revenue Growth: 4.64%
• EPS Growth: -1.20%
• Country: US
• Employees: 90
• Sector: Financial
• Sector Strength: 88
• Industry: Financial - Capital Markets
• EPS (TTM): 0.01
• Shares Outstanding: 10,722,000
• 10 Day Avg. Volume: 1,593
• 30 Day Avg. Volume: 3,579
• PEG Ratio: 0.68
• Price to Book (P/B): 2.36
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 13.45
• Enterprise Value/Market Cap: 0.75
• Enterprise Value/Revenue: 0.24
• Enterprise Value/Gross Profit: 2.35
• Enterprise Value/Ebitda: 3.15
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

CreditRiskMonitor's overall stock score reflects its strong financial performance with robust revenue and profit growth, zero debt, and significant cash generation. However, technical analysis indicates mixed momentum, and the stock's valuation suggests it is fairly priced with no dividend yield to attract income investors.

CreditRiskMonitor Business Overview & Revenue Model

Company Description

CreditRiskMonitor (CRMZ) is a financial risk analysis and news service company that specializes in providing credit risk management solutions to businesses. The company focuses on delivering comprehensive commercial credit reports, financial risk analysis, and news alerts about public companies around the world. CreditRiskMonitor serves various sectors including financial services, retail, manufacturing, and more, helping businesses manage and mitigate the risks associated with credit exposure.

How the Company Makes Money

CreditRiskMonitor makes money primarily through subscription-based revenue models. Businesses subscribe to their platform to access detailed credit reports, financial risk analysis, and industry news. These subscriptions can be tailored to the specific needs of the client, providing different levels of access based on the volume of data and analysis required. Additionally, the company may generate revenue from partnerships with financial institutions and other organizations that utilize its data and analytical tools to enhance their own service offerings. The reliability and accuracy of their data and analysis play a significant role in attracting and retaining subscribers, thus contributing to the company's earnings.

CreditRiskMonitor Financial Statement Overview

Summary

CreditRiskMonitor exhibits strong financial health characterized by robust revenue and profit growth, zero debt, and significant cash generation. The company's improved profitability and high gross margins are notable strengths. The absence of debt minimizes risk but may limit growth leverage.

Income Statement

CreditRiskMonitor has demonstrated strong revenue growth with a 25.6% increase from 2019 to 2024. The company has maintained a high gross profit margin of 100% due to low cost of goods sold. Net profit margin improved significantly from negative in 2020 to 8.5% in 2024. EBIT and EBITDA margins are healthy, indicating efficient operational management.

Balance Sheet

The company has a solid equity position with an equity ratio of 44.7% in 2024. The debt-to-equity ratio is 0, indicating no debt, which reduces financial risk. Return on Equity improved significantly from negative in 2020 to 15.0% in 2024, reflecting better profitability and shareholder value creation. However, the company may not fully leverage its capital structure due to the absence of debt.

Cash Flow

Free cash flow has shown substantial growth, increasing from $745,057 in 2019 to over $2.4 billion in 2024, indicating strong cash generation capability. The free cash flow to net income ratio is robust, reflecting efficient cash conversion. Operating cash flow to net income ratio is strong, suggesting good cash flow management. However, investing cash flow is negative, reflecting potential heavy investment or acquisitions.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
19.81M	18.93M	17.98M	17.07M	15.73M
	Gross Profit
11.19M	11.10M	10.99M	10.73M	9.71M
	EBIT
1.25M	1.49M	1.57M	740.55K	-238.13K
	EBITDA
2.57M	1.88M	1.95M	4.20M	-18.28K
	Net Income Common Stockholders
1.67M	1.70M	1.36M	3.36M	-47.43K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
9.14M	14.50M	13.90M	12.38M	10.76M
	Total Assets
24.95M	24.24M	22.47M	20.43M	18.69M
	Total Debt
0.00	1.77M	1.96M	2.14M	3.86M
	Net Debt
-6.67M	-9.24M	-7.91M	-10.24M	-6.44M
	Total Liabilities
13.77M	14.87M	14.90M	14.30M	15.99M
	Stockholders Equity
11.14B	9.37M	7.57M	6.13M	2.70M
Cash Flow		Free Cash Flow
2.49M	1.15M	1.49M	1.62M	924.14K
	Operating Cash Flow
2.87M	1.45M	1.74M	1.98M	1.21M
	Investing Cash Flow
-7.20B	-311.00K	-4.26M	101.42K	-746.29K
	Financing Cash Flow
0.00	0.00	0.00	0.00	1.56M

CreditRiskMonitor Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.45
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 2.45 is below the 20-day moving average (MA) of 2.62, below the 50-day MA of 2.64, and below the 200-day MA of 2.65, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 42.74 is Neutral, neither overbought nor oversold. The STOCH value of 56.41 is Neutral, 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
SIEB	76 Outperform	$162.94M	12.11	17.28%	―	17.32%	50.52%
CRMZ	71 Outperform	$26.27M	15.72	16.33%	―	4.64%	-1.20%
HGBL	71 Outperform	$70.55M	14.26	6.92%	―	-16.82%	-60.79%
Sector *	64 Neutral	$12.60B	9.73	7.92%	16985.68%	12.21%	-5.55%
MFH	50 Neutral	$393.58M	―	-21.63%	―	125.92%	53.50%

CreditRiskMonitor Corporate Events

CreditRiskMonitor Director Brigitte Muehlmann Steps Down

On April 25, 2025, Brigitte Muehlmann, PhD and CPA, announced her decision not to seek re-election to the Board of Directors of CreditRiskMonitor.com, Inc. The company expressed gratitude for her contributions and confirmed there were no disagreements prompting her departure.

Spark’s Take on CRMZ Stock

According to Spark, TipRanks’ AI Analyst, CRMZ is a Outperform.

CreditRiskMonitor’s strong financial performance, characterized by significant revenue growth and zero debt, is a key strength, contributing to a high score. The technical analysis presents a mixed picture with the stock trading below key short-term moving averages but maintaining long-term support levels. The valuation is reasonable but not particularly attractive, especially due to the lack of dividend yield. Overall, the company remains financially robust, with technical and valuation factors offering neutral to slightly positive signals.

To see Spark’s full report on CRMZ stock, click here.