📊 CRMZ Key Takeaways
Is Creditriskmonitor Com Inc. (CRMZ) a Good Investment?
CreditRiskMonitor demonstrates stable but modest profitability with 4.6% revenue growth and a healthy net margin of 4.2%, supported by strong free cash flow generation of $1.4M. However, the company faces headwinds including declining net income, low ROE of 5.3%, and minimal insider confidence with zero Form 4 filings in the past 90 days, suggesting limited shareholder enthusiasm despite reasonable operational metrics.
CREDITRISKMONITOR COM INC shows stable but modest fundamentals: revenue is growing, free cash flow is positive, and the balance sheet carries no meaningful leverage. However, profitability remains thin, net income is slightly declining year over year, and the low operating margin leaves limited room for execution mistakes or demand softness.
Why Buy Creditriskmonitor Com Inc. Stock? CRMZ Key Strengths
- Positive free cash flow of $1.4M with 9.1% FCF margin demonstrates cash generation capability
- Strong cash position of $6.9M represents 26.6% of total assets, providing financial flexibility
- Debt-free balance sheet with 0.00x debt-to-equity ratio minimizes financial risk
- Adequate liquidity with 1.28x current ratio supporting operational continuity
- Positive revenue growth with solid free cash flow generation
- Debt-free capital structure with a meaningful cash balance
- Positive net income and operating cash flow support basic financial stability
CRMZ Stock Risks: Creditriskmonitor Com Inc. Investment Risks
- Net income declined 1.2% YoY despite 4.6% revenue growth, indicating margin compression and operational challenges
- Low profitability ratios (Operating Margin 1.8%, ROE 5.3%, ROA 2.4%) suggest limited earning power relative to asset base
- Zero insider Form 4 filings in 90 days indicates complete absence of insider buying activity, signaling lack of management confidence
- OTC exchange listing and small market cap suggest limited liquidity and analyst coverage
- Operating margin of 1.8% indicates weak earnings power and limited cushion
- Net income declined year over year despite revenue growth, suggesting cost pressure or limited operating leverage
- Small scale and only moderate liquidity reduce flexibility if business conditions weaken
Key Metrics to Watch
- Operating margin trend and gross margin if disclosed
- Return on equity progression and asset utilization efficiency
- Free cash flow sustainability and working capital management
- Revenue growth acceleration or deceleration in upcoming periods
- Operating margin trend
- Free cash flow consistency
Creditriskmonitor Com Inc. (CRMZ) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Creditriskmonitor Com Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
CRMZ Profit Margin, ROE & Profitability Analysis
CRMZ vs Finance Sector: How Creditriskmonitor Com Inc. Compares
How Creditriskmonitor Com Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Creditriskmonitor Com Inc. Stock Overvalued? CRMZ Valuation Analysis 2026
Based on fundamental analysis, Creditriskmonitor Com Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Creditriskmonitor Com Inc. Balance Sheet: CRMZ Debt, Cash & Liquidity
CRMZ Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Creditriskmonitor Com Inc.'s revenue has grown significantly by 18% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.16 reflects profitable operations.
CRMZ Revenue Growth, EPS Growth & YoY Performance
CRMZ Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $5.0M | $244.9K | $0.02 |
| Q2 2025 | $4.9M | $129.2K | $0.01 |
| Q1 2025 | $4.8M | $127.4K | $0.01 |
| Q3 2024 | $4.8M | $378.7K | $0.04 |
| Q2 2024 | $4.7M | $129.2K | $0.01 |
| Q1 2024 | $4.6M | $127.4K | $0.01 |
| Q3 2023 | $4.5M | $378.7K | $0.04 |
| Q2 2023 | $4.5M | $212.7K | $0.02 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Creditriskmonitor Com Inc. Dividends, Buybacks & Capital Allocation
CRMZ SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Creditriskmonitor Com Inc. (CIK: 0000315958)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CRMZ
What is the AI rating for CRMZ?
Creditriskmonitor Com Inc. (CRMZ) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 67% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CRMZ's key strengths?
Claude: Positive free cash flow of $1.4M with 9.1% FCF margin demonstrates cash generation capability. Strong cash position of $6.9M represents 26.6% of total assets, providing financial flexibility. ChatGPT: Positive revenue growth with solid free cash flow generation. Debt-free capital structure with a meaningful cash balance.
What are the risks of investing in CRMZ?
Claude: Net income declined 1.2% YoY despite 4.6% revenue growth, indicating margin compression and operational challenges. Low profitability ratios (Operating Margin 1.8%, ROE 5.3%, ROA 2.4%) suggest limited earning power relative to asset base. ChatGPT: Operating margin of 1.8% indicates weak earnings power and limited cushion. Net income declined year over year despite revenue growth, suggesting cost pressure or limited operating leverage.
What is CRMZ's revenue and growth?
Creditriskmonitor Com Inc. reported revenue of $15.0M.
Does CRMZ pay dividends?
Creditriskmonitor Com Inc. does not currently pay dividends.
Where can I find CRMZ SEC filings?
Official SEC filings for Creditriskmonitor Com Inc. (CIK: 0000315958) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CRMZ's EPS?
Creditriskmonitor Com Inc. has a diluted EPS of $0.06.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CRMZ a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Creditriskmonitor Com Inc. has a HOLD rating with 67% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CRMZ stock overvalued or undervalued?
Valuation metrics for CRMZ: ROE of 5.3% (sector avg: 12%), net margin of 4.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CRMZ stock in 2026?
Our dual AI analysis gives Creditriskmonitor Com Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CRMZ's free cash flow?
Creditriskmonitor Com Inc.'s operating cash flow is $1.6M, with capital expenditures of $215.6K. FCF margin is 9.1%.
How does CRMZ compare to other Finance stocks?
Vs Finance sector averages: Net margin 4.2% (avg: 25%), ROE 5.3% (avg: 12%), current ratio 1.28 (avg: 1.2).