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CREDITRISKMONITOR COM INC
OTC · CIK 315958
Last close2.1
Daily change+0.00 (0.00%)
10 Years gain-27.90%
Dividends TTM0
Dividend yield0.00%
Fundamental Analysis
CRMZ · STANDARD
SIC 7320 · Services-Consumer Credit Reporting, Collection Agencies · Fiscal year end 1231
Fundamental
39.1Momentum
11.9Acceleration
7.1Confidence
91.0Annual Revenue16
Quarterly Revenue56
Annual CFO14
Balance SheetAvailable
RankingEligible
Score Breakdown
Growth2.9 / 25
Quality9.2 / 25
Capital Efficiency1.4 / 20
Balance Sheet14.5 / 15
Shareholder Economics8.8 / 10
Forward Indicators2.4 / 5
Signals
Net debt reductionNet debt declined versus the comparison period.
Warnings
Operating margin compression · MEDIUMOperating margin compressed by 7.618 percentage points.
ROIC declining · MEDIUMROIC declined by 68.6503 percentage points.
Key Metrics
Revenue Growth TTM2.19%OK
Revenue CAGR 3Y3.83%OK
Gross Margin100%OK
Operating Margin-4.29%OK
FCF Marginn/aMISSING
FCF Growthn/aINSUFFICIENT_HISTORY
ROIC-25.51%OK
Incremental Operating Margin 3Y-118.62%OK
Net Debt / CFOn/aNOT_MEANINGFUL
Diluted Share Growth 1Y0.42%OK
SBC / Revenuen/aMISSING
SBC / FCFn/aNOT_MEANINGFUL
Financial History
| Period | Revenue | Gross Profit | Operating Income | CFO | FCF | Gross Margin | Op Margin | FCF Margin | ROIC | Shares |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025 FY Dec 31, 2025 | $20.12M | $20.12M | $80,588.00 | $968,188.00 | $699,923.00 | 100% | 0.4% | 3.48% | 1.42% | 10.84M |
| 2025 FY Dec 31, 2024 | $19.81M | $19.81M | $736,400.00 | $2.87M | $2.49M | 100% | 3.72% | 12.59% | 98.74% | 10.78M |
| 2024 FY Dec 31, 2023 | $18.93M | $18.93M | $1.49M | $1.45M | $1.15M | 100% | 7.88% | 6.05% | n/a | 10.8M |
| 2023 FY Dec 31, 2022 | $17.98M | $17.98M | $1.57M | $1.74M | $1.49M | 100% | 8.74% | 8.27% | n/a | 10.76M |
| 2022 FY Dec 31, 2021 | $17.07M | $17.07M | $2.30M | $1.98M | $1.62M | 100% | 13.49% | 9.5% | n/a | 10.76M |
Formula Trace
| Metric | Value | Formula | Status | Source |
|---|---|---|---|---|
| Revenue TTM | $20.31M | sum latest 4 fiscal quarters Revenue | OK | 0001140361-26-033735, 0001140361-26-033714 |
| Revenue Growth TTM | 2.19% | Revenue_TTM / Revenue_TTM_1Y_ago - 1 | OK | 0001140361-26-033735, 0001140361-26-033714 |
| Revenue CAGR 3Y | 3.83% | (Revenue_current / Revenue_3Y_ago)^(1/3) - 1 | OK | 0001140361-26-033719 |
| Revenue CAGR 5Y | 5.05% | (Revenue_current / Revenue_5Y_ago)^(1/5) - 1 | OK | 0001140361-26-033719 |
| Gross Profit CAGR 3Y | 3.83% | (GrossProfit_current / GrossProfit_3Y_ago)^(1/3) - 1 | OK | 0001140361-26-033719 |
| Operating Income Growth | -231.85% | OperatingIncome_current / OperatingIncome_prior_year - 1 | OK | 0001140361-26-033735, 0001140361-26-033714 |
| FCF Growth | n/a | FCF_current / FCF_prior_year - 1 | INSUFFICIENT_HISTORY | derived |
| Revenue Growth Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Gross Profit Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Operating Income Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| FCF Acceleration | n/a | 0.5*(Q0-Q1)+0.3*(Q1-Q2)+0.2*(Q2-Q3) | INSUFFICIENT_HISTORY | derived |
| Gross Margin | 100% | Gross Profit / Revenue | OK | 0001140361-26-033735, 0001140361-26-033714 |
| Operating Margin | -4.29% | Operating Income / Revenue | OK | 0001140361-26-033735, 0001140361-26-033714 |
| ROIC | -25.51% | NOPAT / Average Invested Capital | OK | 0001140361-26-033735, 0001140361-26-033714 |
| Net Debt / CFO | n/a | Net Debt / CFO | NOT_MEANINGFUL | 0001140361-26-033735 |
| Current Ratio | 1.47x | Current Assets / Current Liabilities | OK | derived |
| Revenue per Diluted Share | $1.89 | Revenue / Diluted Shares | OK | 0001140361-26-033735, 0001140361-26-033714 |
| SBC / FCF | n/a | SBC / FCF | NOT_MEANINGFUL | derived |