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CREDITRISKMONITOR COM INC

Datakwaliteit: 100%
CRMZ
OTC Services Business Services
€ 2,22
▼ € 0,02 (-0,89%)
Marktkapitalisatie: 23,90 M
Prijs
€ 2,22
Marktkapitalisatie
23,90 M
Dagbereik
€ 2,23 — € 2,35
52-Weeksbereik
€ 2,01 — € 2,99
Volume
1.355
Openen € 2,35
50D / 200D Gem.
€ 2,40
7,32% below
50D / 200D Gem.
€ 2,45
9,53% below

Quick Summary

Belangrijkste Punten

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

Groei

Revenue Growth (5Y)
4,21%
Onder sectorgemiddelde (4,21%)
Revenue (1Y)1,58%
Earnings (1Y)-39,22%
FCF Growth (3Y)-21,83%

Kwaliteit

Return on Equity
8,62%
Boven sectorgemiddelde (-15,74%)
ROIC3,56%
Net Margin5,06%
Op. Margin2,89%

Veiligheid

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

Waardering

PE (TTM)
23,48
Boven sectorgemiddelde (-1,17)
P/B Ratio2,00
EV/EBITDA18,22
Dividend YieldN/A

Koershistorie

Financiële Trends

Sectorvergelijking

vs Services sector mediaan (502 peers)
Metriek Aandeel Sector Mediaan
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