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CREDITRISKMONITOR COM INC CRMZ

OTC · stock · Services-Consumer Credit Reporting, Collection Agencies · website · IPO 1980-07-16

CREDITRISKMONITOR COM INC statistics & valuation

Market cap$23.6M
P / E23.2×
P / S1.2×
P / B2.2×
P / FCF33.7×
Net margin5.1%
Return on equity9.4%
FCF margin3.5%
Return on capital5.2%
Graham number -32.2%$1.42

Market cap as of 2026-07-01. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($1.42); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
0.40% 0.10% -1.30% 1.50% -0.30% 19.70% 7.60% 9.00% 8.50% 5.10% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
1.40% -2.10% -2.30% 1.30% -1.50% 13.50% 8.70% 7.90% 6.30% 2.90% 2016201720182019202020212022202320242025
Return on equity (%)
1.30% 0.30% -6.10% 8.10% -1.80% 54.90% 18.00% 18.10% 16.50% 9.40% 2016201720182019202020212022202320242025
Shares outstanding
10.8M 10.7M 10.7M 10.7M 10.7M 10.8M 10.8M 10.8M 10.8M 10.8M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.40% 0.10% -1.30% 1.40% -0.30% 16.50% 6.10% 7.00% 6.70% 3.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
6.20% 0.40% -1.00% 5.10% 5.90% 9.50% 8.30% 6.10% 12.60% 3.50% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$0.00 $0.00 -$0.02 $0.02 $0.00 $0.31 $0.13 $0.16 $0.16 $0.09 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CREDITRISKMONITOR COM INC trades at about 23.3× earnings — below its 10-year norm (10-year range 6.5×–80×, median 42.9×).

6.5× 80×

Shaded band = 10-year range (6.5×–80×); dot = today's 23.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin2.9%6.3%7.9%8.7%13.5%-1.5%1.3%-2.3%-2.1%1.4%
Net margin5.1%8.5%9.0%7.6%19.7%-0.3%1.5%-1.3%0.1%0.4%
FCF margin3.5%12.6%6.1%8.3%9.5%5.9%5.1%-1.0%0.4%6.2%
Return on assets3.9%6.7%7.0%6.1%16.5%-0.3%1.4%-1.3%0.1%0.4%
Return on equity9.4%16.5%18.1%18.0%54.9%-1.8%8.1%-6.1%0.3%1.3%
Current ratio1.431.041.511.431.341.061.081.111.171.25

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.