CreditRiskMonitor.Com Inc (CRMZ) fair value: what the stock is really worth
As of Nov 3, 2026: fair value (intrinsic value) of CreditRiskMonitor.Com Inc stock $1.76, price $2.09, that is 15.8% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $1.26 – $3.51 · fair‑value band $0.9800 – $2.38 · the $2.09 price screens above the $1.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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CreditRiskMonitor.com, Inc. provides interactive business-to-business SaaS subscription products for credit and supply chain managers in the United States.
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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.
Stock analysis
CreditRiskMonitor.Com Inc (CRMZ) currently trades at $2.09, while our model-based Fair Value estimate is $1.76, 16% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $1.87 per share, and 1 of the 11 models we run sit above the $2.09 price.
Bear case: the Asset-Based group reads lowest at $0.7300, and 10 of the 11 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $0.9800 (bear) to $2.38 (bull), the price of $2.09 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
CreditRiskMonitor.Com Inc reported revenue of $20.1M in FY2025 versus $17.1M in FY2021, a compound +4.2%/yr. Reported net income was $1.0M in FY2025, compounding −25.8%/yr from FY2021.
Key figures
Market cap $22.5M Micro · P/E ratio 70.0 · P/S ratio 3.54 · Net margin 1.8% · Return on equity 3.3% · Return on assets (EBIT) 6.3% (5-year average) · Operating margin −12.9% · Revenue (TTM) $20.3M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 29 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at −16%, CRMZ screens richer than that median.
Fair Value models
Bear$0.9800Fair Value $1.76Bull$2.38
Price $2.09 · Downside -15.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.64/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+1.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
Start year 2020 (pandemic). Over 10 years: +4.9% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−10.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−10.8%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−10.8% vs 7.5%, slowing
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+5.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +3.0% a year for the price.
Compare CreditRiskMonitor.Com Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 628 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−15.8% · Below median
Profitability
Return on equity (12 months)3.3% · Below median
Return on assets3.9% · Above median
Net margin (12 months)1.8% · Below median
Operating margin (12 months)−12.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)2.1% · Below median
Balance sheet
Debt / equity0.02× · Below median
Valuation Multiplesvs Software - Application median · lower = cheaper
P/E (12 months)70.0× · Priciest 25%
P/B1.82× · Cheaper than median
P/S (12 months)1.11× · Cheapest 25%
Price / free cash flow (fiscal year)32.2× · Pricier than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "CreditRiskMonitor.Com Inc Fair Value". https://www.fairvalue-calculator.com/stock/CRMZ
Frequently asked questions
Is CreditRiskMonitor.Com Inc (CRMZ) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $1.76 versus a price of $2.09, about 16% lower (overvalued).
What is the fair value of CRMZ?
Our model-based fair value for CreditRiskMonitor.Com Inc is $1.76 (as of Nov 4, 2026), built from audited fundamentals. The current price: $2.09.
What is the quality score of CRMZ?
CreditRiskMonitor.Com Inc has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for CreditRiskMonitor.Com Inc (CRMZ)?
Our model-based price target is the fair value of $1.76 (as of Nov 4, 2026) from 11 valuation models. Cautious scenario $0.9800, optimistic scenario $2.38. It is a calculation from audited fundamentals, not an analyst target.
What is the CreditRiskMonitor.Com Inc stock forecast for 2026?
Our models put fair value at $1.76, about 16% lower versus a price of $2.09 (overvalued). Cautious scenario $0.9800, optimistic scenario $2.38. The calculation is refreshed regularly with new filings.
What is the revenue of CreditRiskMonitor.Com Inc (CRMZ)?
CreditRiskMonitor.Com Inc reported trailing-twelve-month revenue of about $20.3M (latest available figure, as of Nov 4, 2026).
What growth is priced into CreditRiskMonitor.Com Inc (CRMZ)?
For today's price to be fair in a discounted-cash-flow model, CreditRiskMonitor.Com Inc would have to grow free cash flow by +5.4 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.1 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of CRMZ use?
Our models discount CreditRiskMonitor.Com Inc at 8.5 %: a base by market capitalisation (nano), damped by beta 0.18, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For CreditRiskMonitor.Com Inc that is +5.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has CreditRiskMonitor.Com Inc (CRMZ) delivered so far?
Over the past 5 years revenue at CreditRiskMonitor.Com Inc grew +5.1 % a year. The price currently implies free-cash-flow growth of +5.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of CreditRiskMonitor.Com Inc (CRMZ) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into CreditRiskMonitor.Com Inc (+5.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of CreditRiskMonitor.Com Inc (CRMZ)?
The free-cash-flow yield on the price is 3.11 %: that much free cash flow CreditRiskMonitor.Com Inc produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CreditRiskMonitor.Com Inc (CRMZ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CreditRiskMonitor.Com Inc it is $1.76 per share (as of Nov 4, 2026), against a price of $2.09. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is CreditRiskMonitor.Com Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, CRMZ trades above its calculated fair value: price $2.09, fair value $1.76, a gap of about −16% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRMZ?
No. The price is what the market pays today ($2.09); the fair value is what the company's own numbers justify ($1.76). For CreditRiskMonitor.Com Inc the two are $0.3300 per share apart. That gap is exactly why we show both numbers side by side.
How much is CreditRiskMonitor.Com Inc worth?
The market values CreditRiskMonitor.Com Inc at about $22.5M (market capitalisation, as of Nov 4, 2026). Per share that is $2.09; our models calculate a fair value of $1.76 per share.
What do the bullish and bearish scenarios say about CRMZ?
Our models span a range for CreditRiskMonitor.Com Inc: cautious scenario $0.9800, base $1.76, optimistic $2.38 per share (as of Nov 4, 2026, price $2.09). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CRMZ?
CreditRiskMonitor.Com Inc trades at a price-to-earnings ratio of 70.0 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.76 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2016 to 2025), reported earnings: 24.0. Other multiples: P/B 1.8, P/S 1.1.
How solid is the balance sheet of CreditRiskMonitor.Com Inc (CRMZ)?
Balance-sheet figures for CreditRiskMonitor.Com Inc (as of Nov 4, 2026): return on equity 3.3%, debt of 0.02 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is CRMZ from its 52-week high?
CreditRiskMonitor.Com Inc trades at $2.09, about 30% below its 52-week high of $2.98 and 4% above the low of $2.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $1.76 is for.
Which stocks are comparable to CreditRiskMonitor.Com Inc?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is CreditRiskMonitor.Com Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $2.09, calculated fair value $1.76 (−16%), Quality Score 50/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRMZ calculated?
We run CreditRiskMonitor.Com Inc through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $1.76 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. CreditRiskMonitor.Com Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of CreditRiskMonitor.Com Inc (CRMZ)?
The closing price on Nov 3, 2026 was $2.09. Our model-based fair value is $1.76, about 16% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CreditRiskMonitor.Com Inc right now?
Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($0.9800 to $2.38) leaves room in how you read the outcome.
Key figures of CreditRiskMonitor.Com Inc
How large is the market capitalisation of CreditRiskMonitor.Com Inc (CRMZ)?
The market capitalisation of CreditRiskMonitor.Com Inc is $22.5M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CreditRiskMonitor.Com Inc (CRMZ)?
The price-to-sales ratio of CreditRiskMonitor.Com Inc is 3.54 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of CreditRiskMonitor.Com Inc (CRMZ)?
The net margin of CreditRiskMonitor.Com Inc is 1.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of CreditRiskMonitor.Com Inc (CRMZ)?
The return on equity (ROE) of CreditRiskMonitor.Com Inc is 3.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of CreditRiskMonitor.Com Inc (CRMZ)?
On an EBIT basis the return on assets of CreditRiskMonitor.Com Inc is 6.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of CreditRiskMonitor.Com Inc (CRMZ)?
The operating margin of CreditRiskMonitor.Com Inc is −12.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CreditRiskMonitor.Com Inc (CRMZ)?
Revenue at CreditRiskMonitor.Com Inc is growing +2.1% versus a year earlier (3y avg +3.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at CreditRiskMonitor.Com Inc (CRMZ)?
Earnings per share at CreditRiskMonitor.Com Inc are growing −45.9% versus a year earlier. How much earnings per share grew versus a year earlier.
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Nov 4, 2026