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CreditRiskMonitor
(OTC:CRMZ)
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Rating:44Neutral
Price Target:
$2.00
▼(-4.76% Downside)
Action:Reiterated
Date:08/20/26
The score is primarily constrained by a sharp TTM financial deterioration (losses, near-zero gross margin, and negative operating/free cash flow), which outweighs the otherwise low-leverage balance sheet. Technicals add pressure with a broad downtrend and weak momentum, while valuation looks demanding with a high P/E and no dividend support. Corporate governance updates are a small positive but not enough to offset operating and trend risks.
Positive Factors
Conservative Leverage
Minimal debt reduces interest burden and refinancing risk, giving CreditRiskMonitor financial flexibility while it addresses operating weakness. The sizable asset and equity base also provides a stronger buffer than a highly leveraged software business would have.
Negative Factors
TTM Profitability Collapse
The sharp deterioration from historically positive margins materially weakens confidence in current earnings power. If sustained, near-zero gross margin and operating losses could impair reinvestment capacity, customer economics, and the company’s ability to fund its business internally.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Leverage
Minimal debt reduces interest burden and refinancing risk, giving CreditRiskMonitor financial flexibility while it addresses operating weakness. The sizable asset and equity base also provides a stronger buffer than a highly leveraged software business would have.
Read all positive factors
CreditRiskMonitor (CRMZ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$22.88M
Dividend Yield3.33%
Average Volume (3M)1.73K
Price to Earnings (P/E)106.6
Beta (1Y)-0.15
Revenue Growth1.74%
EPS Growth-107.90%
CountryUS
Employees94
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)0.02
Shares Outstanding10,767,501
10 Day Avg. Volume1,155
30 Day Avg. Volume1,726
Financial Highlights & Ratios
PEG Ratio-0.70
Price to Book (P/B)2.35
Price to Sales (P/S)1.44
P/FCF Ratio41.49
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
CreditRiskMonitor Business Overview & Revenue Model
Company Description
CreditRiskMonitor.com, Inc., established in 1977 and headquartered in Valley Cottage, New York, delivers interactive business-to-business (B2B) software-as-a-service (SaaS) subscriptions to corporate credit and procurement experts across the globe...
How the Company Makes Money
null...
CreditRiskMonitor Financial Statement Overview
Summary
Income Statement
28
Negative
Balance Sheet
63
Positive
Cash Flow
35
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.35M | 20.12M | 19.81M | 18.93M | 17.98M | 17.07M |
| Gross Profit | 10.47M | 10.85M | 11.19M | 11.10M | 10.99M | 10.73M |
| EBITDA | -69.48K | 932.00K | 1.65M | 1.88M | 2.15M | 2.60M |
| Net Income | 212.87K | 1.02M | 1.67M | 1.70M | 1.36M | 3.36M |
Balance Sheet | ||||||
| Total Assets | 25.84B | 26.40M | 24.91M | 24.24M | 22.47M | 20.43M |
| Cash, Cash Equivalents and Short-Term Investments | 9.34B | 16.87M | 9.14M | 14.50M | 13.90M | 12.38M |
| Total Debt | 68.73M | 84.53K | 0.00 | 1.77M | 1.96M | 2.14M |
| Total Liabilities | 15.45B | 14.04M | 13.77M | 14.87M | 14.90M | 14.30M |
| Stockholders Equity | 10.40B | 12.35M | 11.14M | 9.37M | 7.57M | 6.13M |
Cash Flow | ||||||
| Free Cash Flow | 632.24K | 699.92K | 2.49M | 1.15M | 1.49M | 1.62M |
| Operating Cash Flow | 766.98K | 968.19K | 2.87M | 1.45M | 1.74M | 1.98M |
| Investing Cash Flow | 2.79M | -1.49M | -7.20M | -311.00K | -4.26M | 101.42K |
| Financing Cash Flow | 0.00 | 96.94K | 0.00 | 0.00 | 0.00 | 0.00 |
CreditRiskMonitor Technical Analysis
Neutral
2.10
Price Trends
2.14
Negative
2.21
Negative
2.33
Negative
Market Momentum
<0.01
Negative
51.22
Neutral
60.62
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRMZ, the sentiment is Neutral. The current price of 2.1 is above the 20-day moving average (MA) of 2.07, below the 50-day MA of 2.14, and below the 200-day MA of 2.33, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 51.22 is Neutral, neither overbought nor oversold. The STOCH value of 60.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CRMZ.
CreditRiskMonitor Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $36.63M | 1.17 | 33.24% | 32.61% | 111.47% | 762.68% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | $103.99M | -92.67 | -1.26% | 16.00% | 21.62% | -111.45% | |
48 Neutral | $30.59M | -1.34 | -39.69% | ― | 76.02% | -405.81% | |
44 Neutral | $22.88M | 106.60 | <0.01% | 3.33% | 1.74% | -107.90% | |
44 Neutral | $50.91M | -0.60 | -82.76% | 28.99% | 134.05% | -45.58% |
* Technology Sector Average
CRMZ
CreditRiskMonitor
2.13
-0.04
-1.62%
COHN
Cohen & Company
11.35
1.48
15.05%
SIEB
Siebert Financial
2.53
-0.15
-5.60%
DOMH
Dominari Holdings
2.10
-3.74
-64.03%
TOP
Zhong Yang Financial Group Ltd.
14.99
8.79
141.77%
MDBH
MDB Capital Holdings, LLC Class A
2.93
-0.93
-24.09%
CreditRiskMonitor Corporate Events
Executive/Board ChangesShareholder Meetings
CreditRiskMonitor Stockholders Approve Directors and Auditor Appointments
Positive
Aug 17, 2026
At its 2026 Annual Meeting of Stockholders held on August 12, 2026, CreditRiskMonitor.com, Inc. stockholders elected four directors, including Jerome S. Flum, Lisa Reisman, Joshua M. Flum and Lawrence Fensterstock, to serve one-year terms expiring...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.