CreditRiskMonitor.com, Inc (CRMZ) Fair Value & Analysis

Technology · US · Market cap $25.0M

Below-average quality, and screening another 39% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($1.54). The favourable scenario is already priced in.
• Solid but not exceptional quality (48/100) and above fair value, neither a clear bargain nor a standout compounder.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $1.26 – $3.58 · fair‑value band $0.9200 – $1.54 · the $2.00 price screens above the $1.23 fair value. Dashed = 300-day average. As of Jul 26, 2026.

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Analysis

CreditRiskMonitor.com, Inc (CRMZ) currently trades at $2.00, while our model-based Fair Value estimate is $1.23, implying the stock looks roughly 38.5% overvalued today. The Quality Score stands at 48/100 (below-average quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, CreditRiskMonitor.com, Inc generated revenue of $20.2M at a net margin of 4.5%. Revenue grew 2.4% year over year. It earns a return on equity of 7.7%. The stock trades on a trailing P/E of 25.8. Fundamentals as of Jul 26, 2026

Our scenario range runs from $0.9200 (bear case) to $1.54 (bull case); at $2.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 33% below its 52-week high, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -39%, CRMZ screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: DCF Models ($1.67) versus Dividend Discount ($0.5200). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

CreditRiskMonitor.com, Inc. provides interactive business-to-business SaaS subscription products for credit and supply chain managers in the United States.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

CRMZ screens 39% overvalued. Compare with SAP SE →

Peer Group

Software - Application · 709 stocks

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.

Valuation Multiples vs Software - Application median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.