CreditRiskMonitor (CRMZ) AI Stock Analysis

CreditRiskMonitor

(Other OTC:CRMZ)

Select Model

Rating:45.8Neutral

Price Target:$2.00▼(-4.76% Downside)

Action:reiterated

Date:08/20/26

The score is held down primarily by the sharp deterioration in profitability and cash flows despite prior years of solid performance, combined with a high earnings multiple and no dividend that leave little margin for error if results do not improve, while technicals show mildly bearish momentum and only limited support, and strong balance-sheet quality and stable governance provide some offsetting strength but are not enough to drive a higher rating.

Positive Factors

Conservative LeverageMinimal 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 CollapseThe 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.

CreditRiskMonitor (CRMZ) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $22.61M
Dividend Yield: ―
Average Volume (3M): 4,746
Price to Earnings (P/E): 106.6
Beta (1Y): -0.21
Revenue Growth: 1.74%
EPS Growth: -107.90%
Country: US
Employees: 94
Sector: Technology
Sector Strength: 61
Industry: Software - Application

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. T...

How the Company Makes Money

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CreditRiskMonitor Financial Statement Overview

Summary

Historical results show steady growth, low leverage, and consistent profitability, but the latest TTM period brings a sharp jump in revenue alongside large operating and net losses and deeply negative cash flows, leaving overall financial performance weak despite a still-strong balance sheet.

Income Statement

36Negative

Balance Sheet

68Positive

Cash Flow

29Negative

Financial statement breakdown
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	2.13M	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	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	96.94K	0	0	0	0

CreditRiskMonitor Technical Analysis

Technical Analysis SentimentNegative

Last Price2.10

Price Trends

50DMA2.11Negative

100DMA2.14Negative

200DMA2.25Negative

Market Momentum

MACD-0.00Positive

RSI48.90Neutral

STOCH50.88Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CRMZ, the sentiment is Negative. The current price of 2.10 is below the 20-day moving average (MA) of 2.10, below the 50-day MA of 2.11, and below the 200-day MA of 2.25, indicating a bearish trend. The MACD of -0.00 indicates Positive momentum. The RSI at 48.90 is Neutral, neither overbought nor oversold. The STOCH value of 50.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CRMZ.

CreditRiskMonitor Peers Comparison

Overall Rating

UnderperformOutperform

Sector (61)

Financial Indicators

CRMZ against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
COHN	79Outperform	$32.16M	1.03	33.24%	37.15%	111.47%	762.68%
Sector *	61Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
SIEB	61Neutral	$78.96M	-68.50	-1.26%	―	21.62%	-111.45%
MDBH	46Neutral	$17.75M	-0.78	-39.69%	―	76.02%	-405.81%
CRMZ	46Neutral	$22.61M	106.60	<0.01%	―	1.74%	-107.90%
DOMH	42Neutral	$41.33M	-0.47	-82.76%	―	134.05%	-45.58%

* Technology Sector Average

Performance Comparison

CRMZ and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CRMZ	CreditRiskMonitorcom	2.10	-0.51	-19.54%
COHN	Cohen & Company	9.96	1.40	16.29%
SIEB	Siebert Financial	1.87	-0.81	-30.22%
DOMH	Dominari Holdings Inc.	1.64	-2.15	-56.72%
TOP	Zhong Yang Financial Group Ltd.	11.11	5.46	96.64%
MDBH	MDB Capital Holdings, LLC Class A	1.70	-1.82	-51.70%

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 at...

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.

Date of analysis: Aug 20, 2026

CreditRiskMonitor AI Stock Analysis