CreditRiskMonitor (CRMZ) AI Stock Analysis

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CreditRiskMonitor

(Other OTC:CRMZ)

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Rating:48Neutral

Price Target:$2.00▼(-3.38% Downside)

Action:reiterated

Date:11/14/26

Financial performance weighs most heavily, with recent profitability and cash flow deterioration limiting the score despite balance sheet strength. Poor valuation from negative earnings adds pressure, while the positive corporate governance event offers modest support and technicals remain neutral.

Positive Factors

Recurring subscription modelSubscription-based access can provide recurring revenue and ongoing customer engagement because users depend on monitoring, alerts, and risk data over time. This model supports retention and more predictable planning than relying solely on one-time product sales.

Negative Factors

Sharp profitability deteriorationThe move from profitability to operating and net losses indicates that revenue growth is not currently translating into durable earnings power. Continued margin weakness could constrain reinvestment, weaken returns on capital, and require corrective action before growth creates meaningful shareholder value.

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

Market Cap: $22.40M
Dividend Yield: ―
Average Volume (3M): 5,007
Price to Earnings (P/E): -693.3
Beta (1Y): -0.24
Revenue Growth: 1.44%
EPS Growth: -157.23%
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

CreditRiskMonitor primarily generates revenue by selling access to its credit risk monitoring and financial information products through subscription-based arrangements. Customers (e.g., organizations that need to evaluate or monitor suppliers, custo...

CreditRiskMonitor Financial Statement Overview

Summary

Weakening profitability and negative TTM cash flows after prior positive results, partially offset by a strong low-debt balance sheet.

Income Statement

42Neutral

Balance Sheet

72Positive

Cash Flow

30Negative

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	20.37M	20.12M	19.81M	18.93M	17.98M	17.07M
Gross Profit	9.82M	10.85M	11.19M	11.10M	10.99M	10.73M
EBITDA	-1.12M	932.00K	1.65M	1.88M	2.13M	2.60M
Net Income	-555.98K	1.02M	1.67M	1.70M	1.36M	3.36M
Balance Sheet
Total Assets	24.60B	26.40M	24.91M	24.24M	22.47M	20.43M
Cash, Cash Equivalents and Short-Term Investments	8.65B	16.87M	9.14M	14.50M	13.90M	12.38M
Total Debt	60.63M	84.53K	0	1.77M	1.96M	2.14M
Total Liabilities	14.69B	14.04M	13.77M	14.87M	14.90M	14.30M
Stockholders Equity	9.91B	12.35M	11.14M	9.37M	7.57M	6.13M
Cash Flow
Free Cash Flow	-1.51M	699.92K	2.49M	1.15M	1.49M	1.62M
Operating Cash Flow	-1.37M	968.19K	2.87M	1.45M	1.74M	1.98M
Investing Cash Flow	3.11M	-1.49M	-7.20M	-311.00K	-4.26M	101.42K
Financing Cash Flow	-96.94K	96.94K	0	0	0	0

CreditRiskMonitor Technical Analysis

Technical Analysis SentimentNegative

Last Price2.07

Price Trends

50DMA2.10Negative

100DMA2.12Negative

200DMA2.22Negative

Market Momentum

MACD-0.01Positive

RSI43.31Neutral

STOCH24.44Neutral

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 2.07 is below the 20-day moving average (MA) of 2.09, below the 50-day MA of 2.10, and below the 200-day MA of 2.22, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 43.31 is Neutral, neither overbought nor oversold. The STOCH value of 24.44 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	64Neutral	$30.74M	1.02	33.48%	37.99%	-43.28%	290.47%
Sector *	61Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
CRMZ	48Neutral	$22.29M	-693.33	-10.31%	―	1.44%	-157.23%
DOMH	43Neutral	$18.97M	-0.07	-536.69%	―	-11.35%	-283.65%
MDBH	43Neutral	$19.83M	-0.46	-39.69%	―	76.02%	-405.81%
SIEB	39Underperform	$76.43M	-19.47	-1.26%	―	21.62%	-111.45%

* Technology Sector Average

Performance Comparison

CRMZ and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CRMZ	CreditRiskMonitorcom	2.07	-0.41	-16.53%
COHN	Cohen & Company	9.74	-3.45	-26.16%
SIEB	Siebert Financial	1.70	-1.07	-38.63%
DOMH	Dominari Holdings Inc.	0.78	-3.10	-79.90%
TOP	Zhong Yang Financial Group Ltd.	17.00	11.70	220.82%
MDBH	MDB Capital Holdings, LLC Class A	1.50	-2.13	-58.60%

CreditRiskMonitor Corporate Events

Executive/Board Changes

CreditRiskMonitor Announces Upcoming Chief Financial Officer Resignation

Neutral

Sep 18, 2026

On September 14, 2026, CreditRiskMonitor.com, Inc. announced that its Chief Financial Officer, Jennifer Gerold, has submitted her resignation for personal reasons, effective November 17, 2026. The company emphasized that her decision was not due to a...

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: Nov 14, 2026

CreditRiskMonitor AI Stock Analysis