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CREDITRISKMONITOR COM INC

Data quality: 100%
CRMZ
OTC Services Business Services
$2.22
$0.00 (0.00%)
Mkt Cap: 23.90 M
Price
$2.22
Mkt Cap
23.90 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Revenue grew 4.21% annually over 5 years — modest growth
Earnings declined -39.22% over the past year
Generating 699,923.0 in free cash flow
Capital efficient — spends only 1.33% of revenue on capex
ROIC of 3.56% — low return on invested capital

Growth

Revenue Growth (5Y)
4.21%
Below sector avg (4.21%)
Revenue (1Y)1.58%
Earnings (1Y)-39.22%
FCF Growth (3Y)-21.83%

Quality

Return on Equity
8.62%
Above sector avg (-15.85%)
ROIC3.56%
Net Margin5.06%
Op. Margin2.89%

Safety

Debt / Equity
N/A
Current Ratio1.28
Interest CoverageN/A

Valuation

PE (TTM)
23.48
Above sector avg (-1.18)
P/B Ratio2.00
EV/EBITDA18.22
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Services sector median (506 peers)
Metric Stock Sector Median
P/E 23.5 -1.2
P/B 2.0 1.4
ROE % 8.6 -15.8
Net Margin % 5.1 -18.3
Rev Growth 5Y % 4.2 4.2
D/E — 0.4

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

ETFs Holding This Stock

JMCGX JMCGX
0.88% weight
JMIGX JMIGX
0.88% weight

Dividend History

Ex-Date Payment Date Amount Yield
Nov 13, 2019 — $0.05 N/A
Nov 27, 2018 — $0.05 N/A
Nov 21, 2017 — $0.05 N/A
Nov 14, 2016 — $0.05 N/A
Nov 05, 2015 — $0.04 N/A
Nov 07, 2014 — $0.04 N/A
Nov 05, 2013 — $0.04 N/A
Nov 16, 2012 — $0.15 N/A
Aug 15, 2011 — $0.04 N/A
Sep 13, 2010 — $0.04 N/A
Dec 16, 2009 — $0.08 N/A

All Fundamental Metrics
Growth
Revenue Growth (1Y) 1.58% Revenue Growth (3Y) 3.10%
Earnings Growth (1Y) -39.22% Earnings Growth (3Y) -22.51%
Revenue Growth (5Y) 4.21% Earnings Growth (5Y) -25.83%
Profitability
Revenue (TTM) 20.12 M Net Income (TTM) 1.02 M
ROE 8.62% ROA 3.92%
Gross Margin N/A Operating Margin 2.89%
Net Margin 5.06% Free Cash Flow (TTM) 699,923.0
ROIC 3.56% FCF Growth (3Y) -21.83%
Safety
Debt / Equity N/A Current Ratio 1.28
Interest Coverage N/A Asset Turnover 0.77
Working Capital 3.69 M Tangible Book Value 9.99 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 23.48 Forward P/E N/A
P/B Ratio 2.00 P/S Ratio 1.19
PEG Ratio N/A Forward PEG N/A
EV/EBITDA 18.22 Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 2.93%
Market Cap 23.90 M Enterprise Value 16.99 M
Per Share
EPS (Diluted TTM) 0.09 Revenue / Share 1.87
FCF / Share 0.07 OCF / Share 0.09
EPS CAGR (1Y) -43.75% EPS CAGR (5Y) -26.60%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 1.33% FCF Conversion 68.76%
SBC-Adj. FCF 600,416 Growth Momentum -2.63

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 20.12 M 19.81 M 18.93 M 17.98 M 17.07 M
Net Income 1.02 M 1.67 M 1.70 M 1.36 M 3.36 M
EPS (Diluted) 0.09 0.16 0.16 0.13 0.31
Gross Profit — — — — —
Operating Income 582,031.0 1.25 M 1.49 M 1.57 M 2.30 M
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses 10.27 M 9.54 M 9.22 M 9.04 M 8.13 M
D&A 349,966.0 401,996.0 383,767.0 382,342.0 296,299.0
Interest Expense — — — — —
Income Tax 310,055.0 493,212.0 512,373.0 392,003.0 509,806.0

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 26.24 M 24.91 M 24.07 M 22.47 M 20.43 M
Total Liabilities 13.88 M 13.77 M 14.70 M 14.90 M 14.30 M
Shareholders' Equity 12.35 M 11.14 M 9.37 M 7.57 M 6.13 M
Total Debt — — — — —
Cash & Equivalents 6.25 M 6.67 M 11.00 M 9.87 M 12.38 M
Current Assets 21.79 M 13.70 M 19.23 M 18.05 M 15.77 M
Current Liabilities 13.29 M 13.14 M 12.73 M 12.64 M 11.80 M