CreditRiskMonitor (CRMZ) AI Stock Analysis

• Market Cap: $25.14M
• Dividend Yield: N/A
• Average Volume (3M): 3.03K
• Price to Earnings (P/E): 26.8
• Beta (1Y): -0.11
• Revenue Growth: 2.38%
• EPS Growth: 7.13%
• Country: US
• Employees: 90
• Sector: Technology
• Sector Strength: 88
• Industry: Financial - Capital Markets
• EPS (TTM): 0.02
• Shares Outstanding: 10,767,501
• 10 Day Avg. Volume: 1,257
• 30 Day Avg. Volume: 3,028
• PEG Ratio: 0.00
• Price to Book (P/B): 2.92
• Price to Sales (P/S): 1.64
• P/FCF Ratio: 13.03
• Enterprise Value/Market Cap: 0.72
• Enterprise Value/Revenue: 0.90
• Enterprise Value/Gross Profit: 1.59
• Enterprise Value/Ebitda: 11.82
• 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: 69 Neutral
• Price Target: $2.50 ▼(-3.10% Downside)
• Action: Downgraded Date: 12/30/25
• Date: Action: Downgraded 12/30/25

The score is primarily driven by solid financial quality (notably low leverage and steady growth) tempered by profitability pressure (margin compression and slightly lower TTM net income) and only moderate technical strength. Valuation appears reasonable on P/E, but lacks dividend-yield context.

Positive Factors

Revenue Growth

Strong revenue growth indicates expanding market presence and effective business strategies, enhancing long-term financial stability.

Cash Generation

Robust cash generation supports operational flexibility and potential reinvestment in growth opportunities, strengthening financial resilience.

Debt-Free Balance Sheet

A debt-free balance sheet minimizes financial risk, providing stability and the ability to navigate economic fluctuations effectively.

Negative Factors

Leadership Change

Leadership changes can introduce uncertainty and may impact strategic direction, potentially affecting long-term business execution.

Limited Growth Leverage

While reducing risk, the lack of debt may restrict the company's ability to leverage capital for aggressive expansion or acquisitions.

Negative Investing Cash Flow

Negative investing cash flow suggests significant capital expenditures, which could strain resources if not yielding expected returns.

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, which features the analysis of financial statements, including ratio analysis and trend reports, peer analyses, FRISK and PAYCE scores, and Altman Z default scores, as well as issuer ratings of Moody's Investors Service, DBRS, Inc., and Fitch Ratings. The company also provides financial data from the Federal Financial Institutions Examination Council call reports covering banks; and company background information and trade payment reports, as well as public filings, such as suits, liens, judgments, and bankruptcy information on millions of companies in the United States. In addition, it provides alerts on topics, including FRISK score changes, credit limit alerts, financial statement updates, and U.S. Securities and Exchange Commission filings and rating changes, as well as operates as a re-distributor of international credit reports. CreditRiskMonitor.com, Inc. was incorporated in 1977 and is based in Valley Cottage, New York.

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

Strong overall fundamentals supported by a very low-debt balance sheet and steady revenue growth with a notable TTM step-up. The main offsets are margin compression versus earlier years, slightly lower TTM net income versus 2024, and some variability/softening in operating cash flow.

Income Statement

Revenue has grown steadily across the period, with a notable step-up in TTM (Trailing-Twelve-Months) growth. Profitability is positive with solid gross margins, but operating and net margins have compressed versus earlier years (well below 2021 levels), and TTM net income is slightly lower than 2024 despite higher revenue—suggesting some cost pressure or normalization in profitability.

Balance Sheet

The balance sheet looks conservatively financed: debt is minimal in TTM (Trailing-Twelve-Months) and was zero in 2024, with very low debt relative to equity versus prior years when leverage was higher. Equity has grown over time and returns on equity remain healthy in TTM, though down from the unusually high 2021 level, indicating a more normalized return profile.

Cash Flow

Cash generation is consistently positive, with strong free cash flow growth in TTM (Trailing-Twelve-Months) and solid conversion of earnings into free cash flow (free cash flow is a large share of net income). The main weakness is that operating cash flow has eased from 2024 to TTM, and operating cash flow relative to net income remains modest, which can indicate working-capital timing effects or less cash-efficient earnings in some periods.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Mar 2021
Income Statement
Total Revenue	20.08M	19.81M	18.93M	17.98M	17.07M	15.73M
Gross Profit	11.36M	11.19M	11.10M	10.99M	10.73M	9.71M
EBITDA	1.53M	1.65M	1.88M	2.15M	2.60M	-18.28K
Net Income	1.50M	1.67M	1.70M	1.36M	3.36M	-47.43K
Balance Sheet
Total Assets	25.87M	24.91M	24.24M	22.47M	20.43M	18.69M
Cash, Cash Equivalents and Short-Term Investments	13.02M	9.14M	14.50M	13.90M	12.38M	10.76M
Total Debt	105.78K	0.00	1.77M	1.96M	2.14M	3.86M
Total Liabilities	13.92M	13.77M	14.87M	14.90M	14.30M	15.99M
Stockholders Equity	11.95M	11.14M	9.37M	7.57M	6.13M	2.70M
Cash Flow
Free Cash Flow	1.93M	2.49M	1.15M	1.49M	1.62M	924.14K
Operating Cash Flow	2.25M	2.87M	1.45M	1.74M	1.98M	1.21M
Investing Cash Flow	-3.31M	-7.20M	-311.00K	-4.26M	101.42K	-746.29K
Financing Cash Flow	193.87K	0.00	0.00	0.00	0.00	1.56M

CreditRiskMonitor Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.58
• 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 2.58 is above the 20-day moving average (MA) of 2.43, above the 50-day MA of 2.53, and above the 200-day MA of 2.46, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 39.75 is Neutral, neither overbought nor oversold. The STOCH value of 37.27 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	72 Outperform	$75.19M	18.19	8.43%	―	8.47%	-32.22%
CRMZ	69 Neutral	$25.14M	26.82	16.93%	―	2.38%	7.13%
COHN	63 Neutral	$29.59M	1.06	9.56%	6.45%	214.07%	-40.88%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
DOMH	61 Neutral	$49.32M	0.22	-29.28%	―	―	―
MDBH	55 Neutral	$31.05M	-0.91	25.75%	―	121.21%	―