A Business at a Glance
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CREDITRISKMONITOR COM INC
CRMZ
$24M
Mkt Cap
$2.15
+0.00%
CREDITRISKMONITOR COM INC (CRMZ) has a current P/E ratio of 15.4, compared to its historical median P/E of 19.6. The stock is currently considered Fair based on its historical valuation range.
CREDITRISKMONITOR COM INC (CRMZ) has a 5-year average return on invested capital (ROIC) of 6.6%. This is below average and may indicate limited pricing power.
CREDITRISKMONITOR COM INC (CRMZ) has a market capitalization of $24M. It is classified as a small-cap stock.
CREDITRISKMONITOR COM INC (CRMZ) does not currently pay a regular dividend.
Based on historical P/E analysis, CREDITRISKMONITOR COM INC (CRMZ) appears fair. The current P/E of 15.4 is 22% below its historical median of 19.6. The estimated fair value CAGR (P/E method) is 70.4%.
CREDITRISKMONITOR COM INC (CRMZ) operates in the Services-Consumer Credit Reporting, Collection Agencies industry, within the Industrials sector.
CREDITRISKMONITOR COM INC (CRMZ) reported annual revenue of $20 million in its most recent fiscal year, based on SEC EDGAR filings.
In addition to historical information, the following discussion of the Company’s business and certain other statements in this Annual Report on Form 10-K contains forward-looking statements. These forward-looking statements involve risks, uncertainties, and assumptions. The actual results may differ materially from those anticipated in these forward-looking statements as a result of many factors, including but not limited to, those factors discussed in the sections in this Annual Report on Form 10-K entitled “Company Description”, “Company Goals”, “Marketing and Sales”, and “Management’s Discussion and Analysis of Financial Condition and Results of Operations.” Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect management’s opinions only as of the date hereof. CreditRiskMonitor.com, Inc. (the “Company” or “CreditRiskMonitor.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 20M | 20M | 20M | 19M | 18M | 17M |
| Net Income | 1.0M | 1.0M | 1.7M | 1.7M | 1.4M | 3.4M |
| EPS | $0.09 | $0.09 | $0.16 | $0.16 | $0.13 | $0.31 |
| Free Cash Flow | 700K | 700K | 2.5M | 1.1M | 1.5M | 1.6M |
| ROIC | 7.2% | 3.8% | 9.4% | 4.8% | 5.4% | 9.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.01 | 0.01 | 1.24 | 0.19 | 0.26 | 0.35 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 582K | 582K | 1.2M | 1.5M | 1.6M | 2.3M |
| Operating Margin | 2.9% | 2.9% | 6.3% | 7.9% | 8.7% | 13.5% |
| ROE | 8.2% | 8.7% | 16.3% | 20.0% | 19.9% | 76.2% |
| Shares Outstanding | 11M | 11M | 10M | 11M | 10M | 11M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 12M | 12M | 13M | 13M | 14M | 15M | 16M | 17M | 18M | 19M | 20M | 20M | 20M |
| Gross Margin | 61.3% | 62.6% | 61.4% | 59.5% | 58.5% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 6.6M | 6.7M | 7.5M | 8.0M | 8.3M | 8.3M | 9.7M | 8.1M | 9.0M | 9.2M | 9.5M | 10M | 10M |
| EBIT | 692K | 917K | 174K | -278K | -321K | 187K | -238K | 2.3M | 1.6M | 1.5M | 1.2M | 582K | 582K |
| Op. Margin | 5.7% | 7.3% | 1.4% | -2.1% | -2.3% | 1.3% | -1.5% | 13.5% | 8.7% | 7.9% | 6.3% | 2.9% | 2.9% |
| Net Income | 371K | 513K | 52K | 12K | -179K | 218K | -47K | 3.4M | 1.4M | 1.7M | 1.7M | 1.0M | 1.0M |
| Net Margin | 3.0% | 4.1% | 0.4% | 0.1% | -1.3% | 1.5% | -0.3% | 19.7% | 7.6% | 9.0% | 8.5% | 5.1% | 5.1% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -37K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 9.0% | 11.9% | 1.1% | -6.1% | -8.6% | 0.7% | -1.0% | 9.8% | 5.4% | 4.8% | 9.4% | 3.8% | 7.2% |
| ROE | 9.4% | 12.3% | 1.3% | 0.3% | -5.5% | 7.7% | -1.8% | 76.2% | 19.9% | 20.0% | 16.3% | 8.7% | 8.2% |
| ROA | 2.8% | 3.7% | 0.4% | 0.1% | -1.3% | 1.5% | -0.3% | 17.2% | 6.3% | 7.3% | 6.8% | 4.0% | 3.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 1.3M | 731K | 1.0M | 248K | 165K | 886K | 1.2M | 2.0M | 1.7M | 1.4M | 2.9M | 968K | 968K |
| Free Cash Flow | 1.2M | 455K | 800K | 49K | -132K | 745K | 924K | 1.6M | 1.5M | 1.1M | 2.5M | 700K | 700K |
| Owner Earnings | 982K | 384K | 696K | -85K | -117K | 624K | 937K | 1.6M | 1.3M | 962K | 1.9M | 34K | 34K |
| CapEx | 136K | 276K | 235K | 199K | 297K | 141K | 288K | 357K | 258K | 304K | 379K | 268K | 268K |
| Maint. CapEx | 221K | 219K | 200K | 192K | 190K | 207K | 220K | 296K | 382K | 384K | 859K | 836K | 836K |
| Growth CapEx | 0 | 58K | 35K | 7K | 107K | 0 | 68K | 61K | 0 | 0 | 0 | 0 | 0 |
| D&A | 221K | 219K | 200K | 192K | 190K | 207K | 220K | 296K | 382K | 384K | 859K | 836K | 836K |
| CapEx/OCF | 10.2% | 37.8% | 22.7% | 80.3% | 180.3% | 16.0% | 23.7% | 18.0% | 14.8% | 21.0% | 13.2% | N/A | 27.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 402K | 412K | 536K | 536K | 536K | 536K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | 1.8% | 1.5% | 1.6% | 2.5% | 2.9% | 3.1% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 126K | 128K | 140K | 140K | 91K | 55K | 55K | 64K | 80K | 103K | 99K | 97K | 97K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | -5.8M | -8.5M | -10M | -12M | -13M | N/A | -17M | -6.2M |
| Cash & Equiv. | 7.5M | 8.7M | 9.2M | 8.7M | 8.1M | 8.3M | 10M | 12M | 9.9M | 11M | 6.7M | 6.2M | 6.2M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | 0 | 262K | N/A | N/A | N/A | N/A | N/A | 85K |
| Debt/Equity | 2.43 | 2.21 | 2.58 | 2.86 | 3.60 | 0.91 | 0.85 | 0.35 | 0.26 | 0.19 | 1.24 | 0.01 | 0.01 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1.5 | N/A | N/A | N/A | 0.0 | 0.0 |
| Equity | 4.0M | 4.3M | 4.0M | 3.6M | 3.0M | 2.7M | 2.7M | 6.1M | 7.6M | 9.4M | 11M | 12M | 12M |
| Total Assets | 14M | 14M | 14M | 14M | 14M | 16M | 19M | 20M | 22M | 24M | 25M | 26M | 26M |
| Total Liabilities | 9.7M | 9.5M | 10M | 10M | 11M | 13M | 16M | 14M | 15M | 15M | 14M | 14M | 14M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Retained Earnings | -25M | -25M | -26M | -26M | -27M | -27M | -27M | -24M | -22M | -21M | -19M | -18M | -18M |
| Working Capital | 2.5M | 2.7M | 2.3M | 1.7M | 1.1M | 832K | 848K | 4.0M | 5.4M | 6.5M | 565K | 8.5M | 8.5M |
| Current Assets | 11M | 11M | 12M | 11M | 11M | 11M | 14M | 16M | 18M | 19M | 14M | 22M | 22M |
| Current Liabilities | 9.0M | 8.8M | 9.5M | 9.7M | 10.0M | 10M | 13M | 12M | 13M | 13M | 13M | 13M | 13M |
| Per Share Data | |||||||||||||
| EPS | 0.03 | 0.05 | 0.00 | 0.00 | -0.02 | 0.02 | -0.00 | 0.31 | 0.13 | 0.16 | 0.16 | 0.09 | 0.09 |
| Owner EPS | 0.08 | 0.04 | 0.06 | -0.01 | -0.01 | 0.06 | 0.09 | 0.15 | 0.12 | 0.09 | 0.18 | 0.00 | 0.00 |
| Book Value | 0.32 | 0.42 | 0.37 | 0.33 | 0.33 | 0.25 | 0.25 | 0.56 | 0.72 | 0.88 | 1.06 | 1.09 | 1.09 |
| Cash Flow/Share | 0.11 | 0.07 | 0.10 | 0.02 | 0.02 | 0.08 | 0.11 | 0.18 | 0.17 | 0.14 | 0.27 | 0.09 | 0.16 |
| Dividends/Share | 0.03 | 0.04 | 0.05 | 0.05 | 0.06 | 0.05 | 0.00 | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 12.4M | 10.3M | 10.7M | 10.7M | 9.0M | 10.9M | 10.7M | 10.9M | 10.5M | 10.6M | 10.5M | 11.3M | 11.3M |
| Valuation | |||||||||||||
| P/E Ratio | 52.8 | 35.0 | N/A | N/A | N/A | 80.0 | N/A | 6.0 | 19.6 | 14.6 | 19.9 | N/A | 23.9 |
| P/FCF | 16.4 | 39.5 | 38.1 | 362.5 | N/A | 23.4 | 26.7 | 12.4 | 17.9 | 21.6 | 13.4 | N/A | 34.7 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | 48.8 | N/A | N/A | N/A | N/A | N/A | N/A | 31.2 |
| Price/Book | 4.8 | 4.2 | 7.7 | 5.0 | 5.6 | 6.5 | 9.1 | 3.3 | 3.5 | 2.6 | 3.0 | N/A | 2.0 |
| Price/Sales | 1.9 | 2.2 | 2.6 | 1.6 | 1.3 | 1.2 | 1.2 | 1.5 | 1.3 | 1.5 | 1.2 | N/A | 1.2 |
| FCF Yield | 6.1% | 2.5% | 2.6% | 0.3% | -0.8% | 4.3% | 3.7% | 8.1% | 5.6% | 4.6% | 7.5% | N/A | 2.9% |
| Market Cap | 20M | 18M | 30M | 18M | 16M | 17M | 25M | 20M | 27M | 25M | 33M | 0 | 24M |
| Avg. Price | 1.84 | 2.65 | 3.05 | 2.03 | 2.05 | 1.60 | 1.77 | 2.39 | 2.29 | 2.63 | 2.35 | 0.00 | 2.15 |
| Year-End Price | 1.59 | 1.75 | 2.84 | 1.65 | 1.84 | 1.60 | 2.30 | 1.85 | 2.55 | 2.33 | 3.18 | 0.00 | 2.15 |
CREDITRISKMONITOR COM INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
CREDITRISKMONITOR COM INC trades at 15.4x trailing earnings, compared to its 15-year median P/E of 19.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.0x vs a median of 21.6x. The company's 5-year average ROIC is 6.6%. At current prices, the estimated annualized return to fair value is +24.3%.
CREDITRISKMONITOR COM INC (CRMZ) has a net profit margin of 5.1%. This is a modest margin.
CREDITRISKMONITOR COM INC (CRMZ) generated $700 thousand in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CREDITRISKMONITOR COM INC (CRMZ) has a debt-to-equity ratio of 0.01. This indicates a conservatively financed balance sheet.
CREDITRISKMONITOR COM INC (CRMZ) reported earnings per share (EPS) of $0.09 in its most recent fiscal year.
CREDITRISKMONITOR COM INC (CRMZ) has a return on equity (ROE) of 8.7%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for CREDITRISKMONITOR COM INC (CRMZ), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CREDITRISKMONITOR COM INC (CRMZ) has a book value per share of $1.09, based on its most recent annual SEC filing.