📊 CRMZ Key Takeaways
Investment Thesis
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.
CRMZ 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
CRMZ 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
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
CRMZ Financial Metrics
💡 AI Analyst Insight
CREDITRISKMONITOR COM INC presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
CRMZ Profitability Ratios
CRMZ vs Consumer Sector
How CREDITRISKMONITOR COM INC compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CRMZ Balance Sheet & Liquidity
CRMZ 5-Year Financial Trend
5-Year Trend Summary: CREDITRISKMONITOR COM INC's revenue has grown significantly by 26% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.16 reflects profitable operations.
CRMZ Growth Metrics (YoY)
CRMZ Quarterly 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.
CRMZ Capital Allocation
CRMZ SEC Filings
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 an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CRMZ's 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.
What are the risks of investing in CRMZ?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.