CreditRiskMonitor.com, Inc. Logo

CreditRiskMonitor.com, Inc.

CRMZ

(2.2)
Stock Price

2,35 USD

10.96% ROA

28.79% ROE

10.39x PER

Market Cap.

24.338.940,00 USD

20.76% DER

0% Yield

8.37% NPM

CreditRiskMonitor.com, Inc. Stock Analysis

CreditRiskMonitor.com, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

CreditRiskMonitor.com, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (22.36%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 DER

The stock has a minimal amount of debt (22%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 ROA

The stock's ROA (8.33%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's elevated P/BV ratio (3.15x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

7 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

8 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

9 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

10 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-453) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

CreditRiskMonitor.com, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

CreditRiskMonitor.com, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

CreditRiskMonitor.com, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

CreditRiskMonitor.com, Inc. Revenue
Year Revenue Growth
1999 1.300.000
2000 2.118.724 38.64%
2001 2.954.585 28.29%
2002 3.069.546 3.75%
2003 3.042.635 -0.88%
2004 3.346.572 9.08%
2005 3.841.833 12.89%
2006 4.322.785 11.13%
2007 4.989.177 13.36%
2008 5.872.996 15.05%
2009 7.848.010 25.17%
2010 9.343.011 16%
2011 10.154.200 7.99%
2012 11.062.619 8.21%
2013 11.837.211 6.54%
2014 12.203.526 3%
2015 12.486.316 2.26%
2016 12.814.390 2.56%
2017 13.385.068 4.26%
2018 13.891.004 3.64%
2019 14.501.173 4.21%
2020 15.732.366 7.83%
2021 17.065.132 7.81%
2022 17.979.317 5.08%
2023 56.264.448 68.04%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

CreditRiskMonitor.com, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

CreditRiskMonitor.com, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 8.257.619 100%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

CreditRiskMonitor.com, Inc. EBITDA
Year EBITDA Growth
1999 -800.000
2000 -556.445 -43.77%
2001 -200.659 -177.31%
2002 -90.224 -122.4%
2003 -648.426 86.09%
2004 -12.115 -5252.26%
2005 -1.082.464 98.88%
2006 1.316 82354.1%
2007 290.579 99.55%
2008 324.426 10.43%
2009 902.737 64.06%
2010 1.787.018 49.48%
2011 1.276.027 -40.05%
2012 1.102.539 -15.74%
2013 825.542 -33.55%
2014 896.400 7.9%
2015 1.133.084 20.89%
2016 347.412 -226.15%
2017 -133.183 360.85%
2018 -131.150 -1.55%
2019 394.430 133.25%
2020 -18.280 2257.71%
2021 1.036.847 101.76%
2022 1.953.821 46.93%
2023 4.225.352 53.76%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

CreditRiskMonitor.com, Inc. Gross Profit
Year Gross Profit Growth
1999 600.000
2000 1.434.243 58.17%
2001 1.748.764 17.99%
2002 1.615.896 -8.22%
2003 1.848.325 12.58%
2004 2.303.660 19.77%
2005 2.728.231 15.56%
2006 2.918.603 6.52%
2007 3.337.571 12.55%
2008 4.119.658 18.98%
2009 5.729.694 28.1%
2010 6.913.266 17.12%
2011 6.843.421 -1.02%
2012 7.331.401 6.66%
2013 7.398.669 0.91%
2014 7.482.412 1.12%
2015 7.820.956 4.33%
2016 7.870.337 0.63%
2017 7.958.289 1.11%
2018 8.126.469 2.07%
2019 8.741.513 7.04%
2020 9.705.902 9.94%
2021 10.733.041 9.57%
2022 10.994.588 2.38%
2023 33.039.824 66.72%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

CreditRiskMonitor.com, Inc. Net Profit
Year Net Profit Growth
1999 -1.300.000
2000 -809.335 -60.63%
2001 -618.725 -30.81%
2002 -252.916 -144.64%
2003 -805.947 68.62%
2004 -139.030 -479.69%
2005 1.046.069 113.29%
2006 14.597 -7066.33%
2007 370.231 96.06%
2008 371.826 0.43%
2009 1.735.574 78.58%
2010 1.013.310 -71.28%
2011 908.589 -11.53%
2012 529.817 -71.49%
2013 341.813 -55%
2014 370.554 7.76%
2015 493.217 24.87%
2016 52.443 -840.48%
2017 12.070 -334.49%
2018 -179.332 106.73%
2019 217.594 182.42%
2020 -47.428 558.79%
2021 3.363.704 101.41%
2022 1.360.238 -147.29%
2023 4.421.232 69.23%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

CreditRiskMonitor.com, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

CreditRiskMonitor.com, Inc. Free Cashflow
Year Free Cashflow Growth
1999 -1.900.000
2000 -149.668 -1169.48%
2001 253.325 159.08%
2002 -144.079 275.82%
2003 -592.184 75.67%
2004 -152.237 -288.99%
2005 1.284.363 111.85%
2006 570.094 -125.29%
2007 647.050 11.89%
2008 1.114.345 41.93%
2009 1.621.063 31.26%
2010 2.518.585 35.64%
2011 1.775.533 -41.85%
2012 1.446.155 -22.78%
2013 370.477 -290.35%
2014 1.193.155 68.95%
2015 353.273 -237.74%
2016 800.153 55.85%
2017 48.925 -1535.47%
2018 -132.129 137.03%
2019 745.057 117.73%
2020 924.138 19.38%
2021 1.620.552 42.97%
2022 1.486.541 -9.01%
2023 674.542 -120.38%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

CreditRiskMonitor.com, Inc. Operating Cashflow
Year Operating Cashflow Growth
1999 -500.000
2000 -77.805 -542.63%
2001 301.802 125.78%
2002 -123.968 343.45%
2003 -585.621 78.83%
2004 -79.087 -640.48%
2005 1.342.269 105.89%
2006 613.567 -118.76%
2007 731.507 16.12%
2008 1.259.245 41.91%
2009 1.773.421 28.99%
2010 2.754.918 35.63%
2011 1.880.465 -46.5%
2012 1.549.852 -21.33%
2013 701.060 -121.07%
2014 1.329.360 47.26%
2015 629.581 -111.15%
2016 1.035.587 39.21%
2017 247.777 -317.95%
2018 164.573 -50.56%
2019 886.492 81.44%
2020 1.211.687 26.84%
2021 1.977.369 38.72%
2022 1.744.495 -13.35%
2023 706.984 -146.75%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

CreditRiskMonitor.com, Inc. Capital Expenditure
Year Capital Expenditure Growth
1999 1.400.000
2000 71.863 -1848.15%
2001 48.477 -48.24%
2002 20.111 -141.05%
2003 6.563 -206.43%
2004 73.150 91.03%
2005 57.906 -26.33%
2006 43.473 -33.2%
2007 84.457 48.53%
2008 144.900 41.71%
2009 152.358 4.9%
2010 236.333 35.53%
2011 104.932 -125.22%
2012 103.697 -1.19%
2013 330.583 68.63%
2014 136.205 -142.71%
2015 276.308 50.71%
2016 235.434 -17.36%
2017 198.852 -18.4%
2018 296.702 32.98%
2019 141.435 -109.78%
2020 287.549 50.81%
2021 356.817 19.41%
2022 257.954 -38.33%
2023 32.442 -695.12%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

CreditRiskMonitor.com, Inc. Equity
Year Equity Growth
1999 2.100.000
2000 1.301.000 -61.41%
2001 682.275 -90.69%
2002 429.368 -58.9%
2003 477.229 10.03%
2004 428.206 -11.45%
2005 1.474.275 70.95%
2006 1.544.323 4.54%
2007 1.958.777 21.16%
2008 2.389.514 18.03%
2009 3.393.954 29.59%
2010 4.120.276 17.63%
2011 4.790.437 13.99%
2012 3.929.011 -21.92%
2013 4.036.162 2.65%
2014 4.076.386 0.99%
2015 4.457.388 8.55%
2016 3.966.037 -12.39%
2017 3.582.308 -10.71%
2018 2.957.832 -21.11%
2019 2.694.219 -9.78%
2020 2.701.651 0.28%
2021 6.129.064 55.92%
2022 7.569.735 19.03%
2023 8.750.896 13.5%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

CreditRiskMonitor.com, Inc. Assets
Year Assets Growth
1999 4.500.000
2000 4.341.722 -3.65%
2001 4.498.155 3.48%
2002 3.621.141 -24.22%
2003 3.798.980 4.68%
2004 3.822.852 0.62%
2005 5.026.529 23.95%
2006 5.525.695 9.03%
2007 6.103.342 9.46%
2008 7.451.247 18.09%
2009 9.456.516 21.21%
2010 11.310.507 16.39%
2011 12.571.134 10.03%
2012 12.709.948 1.09%
2013 12.736.963 0.21%
2014 13.803.683 7.73%
2015 14.024.211 1.57%
2016 14.208.823 1.3%
2017 13.820.693 -2.81%
2018 13.617.180 -1.49%
2019 15.962.708 14.69%
2020 18.692.542 14.6%
2021 20.425.428 8.48%
2022 22.468.070 9.09%
2023 23.321.975 3.66%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

CreditRiskMonitor.com, Inc. Liabilities
Year Liabilities Growth
1999 2.400.000
2000 3.040.722 21.07%
2001 3.815.880 20.31%
2002 3.191.773 -19.55%
2003 3.321.751 3.91%
2004 3.394.646 2.15%
2005 3.552.254 4.44%
2006 3.981.372 10.78%
2007 4.144.565 3.94%
2008 5.061.733 18.12%
2009 6.062.562 16.51%
2010 7.190.231 15.68%
2011 7.780.697 7.59%
2012 8.780.937 11.39%
2013 8.700.801 -0.92%
2014 9.727.297 10.55%
2015 9.566.823 -1.68%
2016 10.242.786 6.6%
2017 10.238.385 -0.04%
2018 10.659.348 3.95%
2019 13.268.489 19.66%
2020 15.990.891 17.02%
2021 14.296.364 -11.85%
2022 14.898.335 4.04%
2023 14.571.079 -2.25%

CreditRiskMonitor.com, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.61
Net Income per Share
0.22
Price to Earning Ratio
10.39x
Price To Sales Ratio
0.87x
POCF Ratio
14.39
PFCF Ratio
16.42
Price to Book Ratio
2.78
EV to Sales
0.54
EV Over EBITDA
6.12
EV to Operating CashFlow
8.91
EV to FreeCashFlow
10.17
Earnings Yield
0.1
FreeCashFlow Yield
0.06
Market Cap
0,02 Bil.
Enterprise Value
0,02 Bil.
Graham Number
2
Graham NetNet
0.26

Income Statement Metrics

Net Income per Share
0.22
Income Quality
1.05
ROE
0.29
Return On Assets
0.1
Return On Capital Employed
0.19
Net Income per EBT
0.77
EBT Per Ebit
1.47
Ebit per Revenue
0.07
Effective Tax Rate
0

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.59
Operating Profit Margin
0.07
Pretax Profit Margin
0.11
Net Profit Margin
0.08

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.16
Free CashFlow per Share
0.14
Capex to Operating CashFlow
-0.12
Capex to Revenue
-0.01
Capex to Depreciation
-0.57
Return on Invested Capital
0.17
Return on Tangible Assets
0.11
Days Sales Outstanding
37.5
Days Payables Outstanding
3.04
Days of Inventory on Hand
0
Receivables Turnover
9.73
Payables Turnover
119.91
Inventory Turnover
0
Capex per Share
-0.02

Balance Sheet

Cash per Share
1,42
Book Value per Share
0,82
Tangible Book Value per Share
0.63
Shareholders Equity per Share
0.82
Interest Debt per Share
0.15
Debt to Equity
0.21
Debt to Assets
0.08
Net Debt to EBITDA
-3.76
Current Ratio
1.53
Tangible Asset Value
0,01 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0.21
Working Capital
0,01 Bil.
Intangibles to Total Assets
0.08
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.07

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

CreditRiskMonitor.com, Inc. Dividends
Year Dividends Growth
2009 0
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%

CreditRiskMonitor.com, Inc. Profile

About CreditRiskMonitor.com, Inc.

CreditRiskMonitor.com, Inc. provides interactive business-to-business software-as-a-service subscription products for corporate credit and procurement professionals worldwide. It publishes commercial credit reports of public and private companies, which features the analysis of financial statements, including ratio analysis and trend reports, peer analyses, FRISK and PAYCE scores, and Altman Z default scores, as well as issuer ratings of Moody's Investors Service, DBRS, Inc., and Fitch Ratings. The company also provides financial data from the Federal Financial Institutions Examination Council call reports covering banks; and company background information and trade payment reports, as well as public filings, such as suits, liens, judgments, and bankruptcy information on millions of companies in the United States. In addition, it provides alerts on topics, including FRISK score changes, credit limit alerts, financial statement updates, and U.S. Securities and Exchange Commission filings and rating changes, as well as operates as a re-distributor of international credit reports. CreditRiskMonitor.com, Inc. was incorporated in 1977 and is based in Valley Cottage, New York.

CEO
Mr. Michael Ilan Flum
Employee
90
Address
704 Executive Boulevard
Valley Cottage, 10989

CreditRiskMonitor.com, Inc. Executives & BODs

CreditRiskMonitor.com, Inc. Executives & BODs
# Name Age
1 Mr. Peter Roma
Chief Revenue Officer
70
2 Mr. David Reiner
Vice President & Corporate Controller
70
3 Mr. Michael Clark
Senior Vice President of Information Technology
70
4 Mr. Kirk Ellis
Senior Vice President of Quality Assurance
70
5 Mr. Michael Ilan Flum
President & Chief Executive Officer
70
6 Dr. Camilo Gomez Ph.D.
Senior Vice President of Data Science
70
7 Mr. Jerome S. Flum
Executive Chairman
70
8 Mr. Steven Gargano CPA
Senior Vice President & Chief Financial Officer
70
9 Mr. Michael Broos
Chief Technology Officer & Senior Vice President
70
10 Mr. Nicholas J. Walz
Vice President of Marketing
70

CreditRiskMonitor.com, Inc. Competitors