CRMZ
CreditRiskMonitor.com, Inc.
Price Chart
Latest Quote
$2.32
+0.11 (+4.98%)
Current Price
| Previous Close | $2.21 |
| Open | $2.25 |
| Day High | $2.25 |
| Day Low | $2.25 |
| Volume | 200 |
Stock Information
| Shares Outstanding | 10.77M |
| Total Debt | $77K |
| Cash Equivalents | $17.40M |
| Revenue | $20.24M |
| Net Income | $917K |
| Sector | Technology |
| Industry | Software - Application |
| Market Cap | $24.98M |
| P/E Ratio | 25.78 |
| EPS (TTM) | $0.09 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $6.48M |
| Sales | $20.24M |
| Income | $917K |
| Book/sh | $1.16 |
| Cash/sh | $1.62 |
| Employees | 94 |
Financial Ratios
| Quick Ratio | 1.70 |
| Current Ratio | 1.79 |
| Debt/Eq | 0.62 |
| EPS Growth TTM | -63.30% |
Returns & Margins
| ROA | 1.17% |
| ROE | 7.72% |
| Gross Margin | 54.74% |
| Operating Margin | -1.88% |
| Profit Margin | 4.53% |
Ownership
| Insider Ownership | 56.43% |
| Institutional Ownership | 12.06% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 1.23 |
| P/B | 2.01 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $2.28 |
| SMA50 | $2.27 |
| SMA200 | $2.42 |
| RSI | 56.60 |
| ATR | 0.0464 |
| Shares Float | 3.97M |
| Volatility | 0.21 |
| Rel Volume | 0.07 |
Performance History
| Week | +1.31% |
| Month | +3.11% |
| Quarter | -2.11% |
| 6 Months | -14.07% |
| YTD | -10.77% |
| Year | -6.07% |
| 3 Years | -12.45% |
| 5 Years | -15.64% |
| 10 Years | -26.45% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $2.32 | 400 |
| 2026-06-16 | $2.21 | 5,000 |
| 2026-06-15 | $2.35 | 0 |
| 2026-06-12 | $2.35 | 8,000 |
| 2026-06-11 | $2.30 | 1,500 |
| 2026-06-10 | $2.29 | 5,600 |
| 2026-06-09 | $2.27 | 400 |
| 2026-06-08 | $2.26 | 0 |
| 2026-06-05 | $2.26 | 0 |
| 2026-06-04 | $2.26 | 1,600 |
| 2026-06-03 | $2.35 | 0 |
| 2026-06-02 | $2.35 | 0 |
| 2026-06-01 | $2.35 | 27,500 |
| 2026-05-29 | $2.25 | 15,200 |
| 2026-05-28 | $2.25 | 0 |
| 2026-05-27 | $2.25 | 16,600 |
| 2026-05-26 | $2.25 | 20,600 |
| 2026-05-22 | $2.25 | 8,100 |
| 2026-05-21 | $2.25 | 0 |
| 2026-05-20 | $2.25 | 0 |
| 2026-05-19 | $2.25 | 0 |
| 2026-05-18 | $2.25 | 800 |
About CreditRiskMonitor.com, Inc.
CreditRiskMonitor.com, Inc. provides interactive business-to-business SaaS subscription products for credit and supply chain managers in the United States. The company offers CreditRiskMonitor, a product platform for usage and coverage of public and private business information; SupplyChainMonitor, a product platform to monitor and manage supply chain risks; and Credit Limit Service product, an add-on subscription service to establish, update, and manage credit limits. It also provides Confidential Financial Statements Solution (CFSS) product to streamline the financial risk assessments of its private company counterparties; FRISK score, a daily updating and structural statistical model; PAYCE score to measure financial stress when no financial statements are available for private companies; FAST Rating, a financial health assessment product; and Risk Level, a framework to consolidate financial risk analytics. The company was incorporated in 1977 and is based in Tarrytown, New York. CreditRiskMonitor.com, Inc. operates as a subsidiary of Flum Partners.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $8,621,851 | $7,833,037 | $6,984,729 | $6,332,091 |
| Cost Of Revenue | $8,621,851 | $7,833,037 | $6,984,729 | $6,332,091 |
| Total Revenue | $19,809,881 | $18,931,931 | $17,979,317 | $17,065,132 |
| Operating Revenue | $19,809,881 | $18,931,931 | $17,979,317 | $17,065,132 |
| Expenses | ||||
| Total Expenses | $18,560,339 | $17,439,835 | $16,407,838 | $14,763,084 |
| Other Income Expense | $918,572 | $715,330 | $180,762 | $1,571,462 |
| Other Non Operating Income Expenses | $918,572 | $715,330 | $180,762 | $9,962 |
| Operating Expense | $9,938,488 | $9,606,798 | $9,423,109 | $8,430,993 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $1,674,902 | $1,695,053 | $1,360,238 | $3,363,704 |
| Normalized Income | $1,674,902 | $1,695,053 | $1,360,238 | $2,007,718 |
| Net Income From Continuing And Discontinued Operation | $1,674,902 | $1,695,053 | $1,360,238 | $3,363,704 |
| Total Operating Income As Reported | $1,249,542 | $1,492,096 | $1,571,479 | $2,302,048 |
| Net Income Common Stockholders | $1,674,902 | $1,695,053 | $1,360,238 | $3,363,704 |
| Net Income | $1,674,902 | $1,695,053 | $1,360,238 | $3,363,704 |
| Net Income Including Noncontrolling Interests | $1,674,902 | $1,695,053 | $1,360,238 | $3,363,704 |
| Net Income Continuous Operations | $1,674,902 | $1,695,053 | $1,360,238 | $3,363,704 |
| Pretax Income | $2,168,114 | $2,207,426 | $1,752,241 | $3,873,510 |
| Operating Income | $1,249,542 | $1,492,096 | $1,571,479 | $2,302,048 |
| Depreciation Amortization Depletion Income Statement | $401,996 | $383,767 | $382,342 | $296,299 |
| Depreciation And Amortization In Income Statement | $401,996 | $383,767 | $382,342 | $296,299 |
| Gross Profit | $11,188,030 | $11,098,894 | $10,994,588 | $10,733,041 |
| Special Income Charges | - | - | $0 | $1,561,500 |
| Per Share | ||||
| Diluted EPS | $0.16 | $0.16 | $0.13 | $0.31 |
| Basic EPS | $0.16 | $0.16 | $0.13 | $0.31 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $205,514 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $1,651,538 | $1,875,863 | $1,953,821 | $1,036,847 |
| Reconciled Depreciation | $401,996 | $383,767 | $382,342 | $296,299 |
| EBITDA (Bullshit earnings) | $1,651,538 | $1,875,863 | $1,953,821 | $2,598,347 |
| EBIT | $1,249,542 | $1,492,096 | $1,571,479 | $2,302,048 |
| Diluted Average Shares | $10,782,622 | $10,797,122 | $10,760,890 | $10,758,859 |
| Basic Average Shares | $10,722,401 | $10,722,401 | $10,722,401 | $10,722,401 |
| Diluted NI Availto Com Stockholders | $1,674,902 | $1,695,053 | $1,360,238 | $3,363,704 |
| Tax Provision | $493,212 | $512,373 | $392,003 | $509,806 |
| Selling General And Administration | $9,536,492 | $9,223,031 | $9,040,767 | $8,134,694 |
| Total Unusual Items | - | - | $0 | $1,561,500 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $1,561,500 |
| Other Special Charges | - | - | - | $-1,561,500 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $9,187,286 | $7,413,426 | $5,615,275 | $4,174,604 |
| Total Assets | $24,912,498 | $24,072,515 | $22,468,070 | $20,425,428 |
| Total Non Current Assets | $11,210,020 | $4,842,716 | $4,416,239 | $4,659,522 |
| Investmentin Financial Assets | $8,758,000 | $700,000 | $0 | - |
| Goodwill And Other Intangible Assets | $1,954,460 | $1,954,460 | $1,954,460 | $1,954,460 |
| Current Assets | $13,702,478 | $19,229,799 | $18,051,831 | $15,765,906 |
| Other Current Assets | $929,512 | $788,722 | $656,379 | $581,149 |
| Receivables | $3,631,018 | $3,941,182 | $3,500,259 | $2,803,236 |
| Accounts Receivable | $3,631,018 | $3,941,182 | $3,500,259 | $2,803,236 |
| Allowance For Doubtful Accounts Receivable | $-30,000 | $-30,000 | $-30,000 | $-30,000 |
| Gross Accounts Receivable | $3,661,018 | $3,971,182 | $3,530,259 | $2,833,236 |
| Cash Cash Equivalents And Short Term Investments | $9,141,948 | $14,499,895 | $13,895,193 | $12,381,521 |
| Cash And Cash Equivalents | $6,674,473 | $11,004,937 | $9,866,628 | $12,381,521 |
| Other Non Current Assets | - | $18,110 | $163,470 | $86,714 |
| Debt | ||||
| Total Debt | $0 | $1,766,174 | $1,960,127 | $2,137,612 |
| Long Term Debt And Capital Lease Obligation | $0 | $1,554,686 | $1,766,174 | $1,960,127 |
| Current Debt And Capital Lease Obligation | - | $211,488 | $193,953 | $177,485 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $13,770,752 | $14,704,629 | $14,898,335 | $14,296,364 |
| Total Non Current Liabilities Net Minority Interest | $632,894 | $1,973,814 | $2,262,060 | $2,495,056 |
| Non Current Deferred Liabilities | $632,894 | $419,128 | $495,886 | $534,929 |
| Non Current Deferred Taxes Liabilities | $481,420 | $350,605 | $332,566 | $407,805 |
| Current Liabilities | $13,137,858 | $12,730,815 | $12,636,275 | $11,801,308 |
| Current Deferred Liabilities | $10,886,860 | $10,272,352 | $9,980,092 | $9,520,226 |
| Payables And Accrued Expenses | $2,250,998 | $2,246,975 | $2,462,230 | $2,103,597 |
| Payables | $319,717 | $141,956 | $245,854 | $358,307 |
| Accounts Payable | $319,717 | $141,956 | $245,854 | $358,307 |
| Equity | ||||
| Common Stock Equity | $11,141,746 | $9,367,886 | $7,569,735 | $6,129,064 |
| Total Equity Gross Minority Interest | $11,141,746 | $9,367,886 | $7,569,735 | $6,129,064 |
| Stockholders Equity | $11,141,746 | $9,367,886 | $7,569,735 | $6,129,064 |
| Retained Earnings | $-19,072,209 | $-20,747,111 | $-22,442,164 | $-23,802,402 |
| Other | ||||
| Ordinary Shares Number | $10,722,401 | $10,722,401 | $10,722,401 | $10,722,401 |
| Share Issued | $10,722,401 | $10,722,401 | $10,722,401 | $10,722,401 |
| Tangible Book Value | $9,187,286 | $7,413,426 | $5,615,275 | $4,174,604 |
| Invested Capital | $11,141,746 | $9,367,886 | $7,569,735 | $6,129,064 |
| Working Capital | $564,620 | $6,498,984 | $5,415,556 | $3,964,598 |
| Capital Lease Obligations | $0 | $1,766,174 | $1,960,127 | $2,137,612 |
| Total Capitalization | $11,141,746 | $9,367,886 | $7,569,735 | $6,129,064 |
| Additional Paid In Capital | $30,106,731 | $30,007,773 | $29,904,675 | $29,824,242 |
| Capital Stock | $107,224 | $107,224 | $107,224 | $107,224 |
| Common Stock | $107,224 | $107,224 | $107,224 | $107,224 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Non Current Deferred Revenue | $151,474 | $68,523 | $163,320 | $127,124 |
| Long Term Capital Lease Obligation | $0 | $1,554,686 | $1,766,174 | $1,960,127 |
| Current Deferred Revenue | $10,886,860 | $10,272,352 | $9,980,092 | $9,520,226 |
| Current Capital Lease Obligation | $0 | $211,488 | $193,953 | $177,485 |
| Current Accrued Expenses | $1,931,281 | $2,105,019 | $2,216,376 | $1,745,290 |
| Investments And Advances | $8,758,000 | $700,000 | $0 | - |
| Held To Maturity Securities | $8,758,000 | $700,000 | $0 | - |
| Goodwill | $1,954,460 | $1,954,460 | $1,954,460 | $1,954,460 |
| Net PPE | $497,560 | $2,170,146 | $2,298,309 | $2,618,348 |
| Accumulated Depreciation | $-859,183 | $-3,019,262 | $-2,635,495 | $-2,253,153 |
| Gross PPE | $1,356,743 | $5,189,408 | $4,933,804 | $4,871,501 |
| Leases | $0 | $284,746 | $284,746 | $275,853 |
| Machinery Furniture Equipment | $1,356,743 | $3,292,150 | $2,832,553 | $2,583,493 |
| Properties | $0 | $0 | $0 | $0 |
| Other Short Term Investments | $2,467,475 | $3,494,958 | $4,028,565 | $0 |
| Treasury Shares Number | - | $0 | - | - |
| Other Properties | - | $1,612,512 | $1,816,505 | $2,012,155 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $2,493,194 | $1,145,412 | $1,486,541 | $1,620,552 |
| Operating Activities | ||||
| Operating Cash Flow | $2,871,908 | $1,449,307 | $1,744,495 | $1,977,369 |
| Cash Flow From Continuing Operating Activities | $2,871,908 | $1,449,307 | $1,744,495 | $1,977,369 |
| Operating Gains Losses | $36,792 | - | - | - |
| Investing Activities | ||||
| Capital Expenditure | $-378,714 | $-303,895 | $-257,954 | $-356,817 |
| Investing Cash Flow | $-7,202,372 | $-310,998 | $-4,259,388 | $101,420 |
| Cash Flow From Continuing Investing Activities | $-7,202,372 | $-310,998 | $-4,259,388 | $101,420 |
| Financing Activities | ||||
| Financing Cash Flow | - | - | - | $0 |
| Cash Flow From Continuing Financing Activities | - | - | - | $0 |
| Other | ||||
| Income Tax Paid Supplemental Data | $611,882 | $468,000 | $395,000 | $356,000 |
| End Cash Position | $6,674,473 | $11,004,937 | $9,866,628 | $12,381,521 |
| Beginning Cash Position | $11,004,937 | $9,866,628 | $12,381,521 | $10,302,732 |
| Changes In Cash | $-4,330,464 | $1,138,309 | $-2,514,893 | $2,078,789 |
| Net Investment Purchase And Sale | $-6,823,658 | $-7,103 | $-4,001,434 | $458,237 |
| Sale Of Investment | $3,572,000 | $5,010,000 | $0 | $458,237 |
| Purchase Of Investment | $-10,395,658 | $-5,017,103 | $-4,001,434 | $0 |
| Net PPE Purchase And Sale | $-378,714 | $-303,895 | $-257,954 | $-356,817 |
| Purchase Of PPE | $-378,714 | $-303,895 | $-257,954 | $-356,817 |
| Change In Working Capital | $888,966 | $-596,159 | $5,686 | $-285,271 |
| Change In Other Working Capital | $697,459 | $197,462 | $496,063 | $-196,603 |
| Change In Other Current Assets | $-122,680 | $-137,444 | $-151,987 | $6,102 |
| Change In Payables And Accrued Expense | $4,023 | $-215,254 | $358,633 | $151,023 |
| Change In Accrued Expense | $-173,738 | $-111,357 | $471,086 | $-77,196 |
| Change In Payable | $177,761 | $-103,897 | $-112,453 | $228,219 |
| Change In Account Payable | $177,761 | $-103,897 | $-112,453 | $228,219 |
| Change In Receivables | $310,164 | $-440,923 | $-697,023 | $-245,793 |
| Changes In Account Receivables | $310,164 | $-440,923 | $-697,023 | $-245,793 |
| Other Non Cash Items | $-153,662 | $10,040 | $18,166 | $-1,535,445 |
| Stock Based Compensation | $98,958 | $103,098 | $80,433 | $63,709 |
| Amortization Of Securities | $-206,859 | $-164,531 | $-27,131 | $0 |
| Deferred Tax | $130,815 | $18,039 | $-75,239 | $74,373 |
| Deferred Income Tax | $130,815 | $18,039 | $-75,239 | $74,373 |
| Depreciation Amortization Depletion | $401,996 | $383,767 | $382,342 | $296,299 |
| Depreciation And Amortization | $401,996 | $383,767 | $382,342 | $296,299 |
| Gain Loss On Sale Of PPE | $36,792 | $0 | - | - |
| Net Income From Continuing Operations | $1,674,902 | $1,695,053 | $1,360,238 | $3,363,704 |
| Issuance Of Debt | - | - | - | $0 |
| Net Issuance Payments Of Debt | - | - | - | $0 |
| Net Long Term Debt Issuance | - | - | - | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
Fetched: 2026-02-02