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CREDITRISKMONITOR COM INC

Calidad de datos: 100%
CRMZ
OTC Services Business Services
$2.22
▼ $0.02 (-0.89%)
Cap. Mercado: 23.90 M
Precio
$2.22
Cap. Mercado
23.90 M
Rango del Día
$2.23 — $2.35
Rango de 52 Semanas
$2.01 — $2.99
Volumen
1,355
Apertura $2.35
Promedio 50D / 200D
$2.40
7.32% below
Promedio 50D / 200D
$2.45
9.53% below

Quick Summary

Puntos Clave

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

Crecimiento

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

Calidad

Return on Equity
8.62%
Above sector avg (-15.74%)
ROIC3.56%
Net Margin5.06%
Op. Margin2.89%

Seguridad

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

Valoración

PE (TTM)
23.48
Above sector avg (-1.17)
P/B Ratio2.00
EV/EBITDA18.22
Dividend YieldN/A

Historial de Precios

Tendencias Financieras

Comparación con Pares

vs mediana del sector Services (502 pares)
Métrica Acción Mediana del Sector
P/E 23.5 -1.2
P/B 2.0 1.4
ROE % 8.6 -15.7
Net Margin % 5.1 -18.3
Rev Growth 5Y % 4.2 4.2
D/E — 0.4

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