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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
CreditRiskMonitor was organized in Nevada in February 1977 and was engaged in the development and sale of nutritional food products from 1982 until October 22, 1993, when it sold substantially all of its assets. Effective January 19, 1999, the Company acquired the assets of the CreditRisk Monitor credit information service ( CM Service ) from Market Guide Inc.
$2.15
$0.06 (-2.71%)
EOD Jul 17, 2026
Operating margin is thin at 2.89%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue growth slowed to 1.6%, essentially flat. Margins also contracted 3.4pp. This is a business that needs a catalyst.
Free cash flow declined 72% versus the prior year, cash generation momentum has weakened. ROIC dropped from 6.79% to 3.90%, capital efficiency is deteriorating.
23.9x earnings, 23.1x FCF. Valuation is in a reasonable range. The main question is whether the business can re-accelerate or if current trajectory is already priced in.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$20M
▲ +1.6% YoY
Net Income (TTM)
$917K
▼ -39.2% YoY
Op. Margin
2.29%
▼ -3.4pp YoY
ROIC
3.00%
▼ -2.9pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$1M
▼ -71.9% YoY
Op. Cash Flow (TTM)
$1M
▼ -66.3% YoY
Net Debt
-$17M
Net Cash Position
Cash & Equiv.
$17M
5Y CAGR: +5.0%
5Y CAGR: -5.4%
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At a P/E of 23.9 and a price-to-free-cash-flow of 23.1, CreditRiskMonitor.com (CRMZ) trades below a two-stage DCF intrinsic value of about $3.21 per share, so at $2.15 the stock looks undervalued (49.4% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, CreditRiskMonitor.com scores 44/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $3.21 per share for CRMZ, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $2.41. At today's $2.15, that puts the stock about 49.4% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
CreditRiskMonitor.com scores 44 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 2.3% operating margin and a 3.0% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. CRMZ currently trades below its estimated intrinsic value and scores 44/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.