CreditRiskMonitor.com, Inc.
CreditRiskMonitor.com, Inc. Fundamental Analysis
CreditRiskMonitor.com, Inc. (CRMZ) shows moderate financial fundamentals with a PE ratio of 16.80, profit margin of 7.47%, and ROE of 13.02%. The company generates $0.0B in annual revenue with moderate year-over-year growth of 4.64%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 49.8/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CRMZ's fundamental strength across five key dimensions:
Efficiency Score
WeakCRMZ struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCRMZ trades at attractive valuation levels.
Growth Score
WeakCRMZ faces weak or negative growth trends.
Financial Health Score
ExcellentCRMZ maintains a strong and stable balance sheet.
Profitability Score
WeakCRMZ struggles to sustain strong margins.
Key Financial Metrics
Is CRMZ Expensive or Cheap?
P/E Ratio
CRMZ trades at 16.80 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CRMZ's PEG of -0.95 indicates potential undervaluation.
Price to Book
The market values CreditRiskMonitor.com, Inc. at 2.11 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 20.96 times EBITDA. This signals the market has high growth expectations.
How Well Does CRMZ Make Money?
Net Profit Margin
For every $100 in sales, CreditRiskMonitor.com, Inc. keeps $7.47 as profit after all expenses.
Operating Margin
Core operations generate 5.66 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.02 in profit for every $100 of shareholder equity.
ROA
CreditRiskMonitor.com, Inc. generates $5.80 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CreditRiskMonitor.com, Inc. produces operating cash flow of $2.25M, showing steady but balanced cash generation.
Free Cash Flow
CreditRiskMonitor.com, Inc. produces free cash flow of $1.93M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.18 in free cash annually.
FCF Yield
CRMZ converts 7.67% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.80
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.95
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.11
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.25
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.009
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.28
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How CRMZ Stacks Against Its Sector Peers
| Metric | CRMZ Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.80 | 18.76 | Better (Cheaper) |
| ROE | 13.02% | 815.00% | Weak |
| Net Margin | 7.47% | 1901.00% | Weak |
| Debt/Equity | 0.01 | 0.86 | Strong (Low Leverage) |
| Current Ratio | 1.28 | 637.78 | Neutral |
| ROA | 5.80% | -24762.00% (disorted) | Weak |
CRMZ outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CreditRiskMonitor.com, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
36.61%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
669.74%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
223.96%
Industry Style: Value, Dividend, Cyclical
High Growth