CreditRiskMonitor.Com (CRMZ) Stock Price

CreditRiskMonitor.Com Price

OTC·CLOSED
2.15USD+0.00 (+0.00 %)
Market closed

Over the last 19 years CreditRiskMonitor.Com grew revenue by 8.4% annually, reaching 20.12 M USD. For CreditRiskMonitor.Com, the net margin of 5.1% is down versus 19.7% a few years ago. At today's price the dividend yield works out to roughly 2.33%. The stock trades about 4% above its 52-week low.

CreditRiskMonitor.Com stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of CreditRiskMonitor.Com over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how CreditRiskMonitor.Com stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing CreditRiskMonitor.Com's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

CreditRiskMonitor.Com Stock Price History
DateCreditRiskMonitor.Com Price
7/23/20262.15 USD
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Access this data via the Eulerpool API

CreditRiskMonitor.Com Revenue, EBIT, Net Income

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2018
13.89 M USD
-321,306.00 USD
-179,332.00 USD
Jan 1, 2019
14.50 M USD
187,206.00 USD
217,594.00 USD
Jan 1, 2020
15.73 M USD
-238,127.00 USD
-47,428.00 USD
Jan 1, 2021
17.07 M USD
2.30 M USD
3.36 M USD
Jan 1, 2022
17.98 M USD
1.57 M USD
1.36 M USD
Jan 1, 2023
18.93 M USD
1.49 M USD
1.70 M USD
Jan 1, 2024
19.81 M USD
1.25 M USD
1.67 M USD
Jan 1, 2025
20.12 M USD
582,031.00 USD
1.02 M USD

CreditRiskMonitor.Com Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 25, 2026, 10:14 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
EBITM USD
EBIT MARGIN%
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
SHARESM
2010201120122013201420152016201720182019202020212022202320242025
9.0010.0011.0011.0012.0012.0012.0013.0013.0014.0015.0017.0017.0018.0019.0020.00
28.5711.1110.009.098.337.697.1413.335.885.565.26
66.6760.0063.64100.00100.00100.0058.3353.8561.5457.14100.0058.8258.8261.1157.8955.00
6.006.007.0011.0012.0012.007.007.008.008.0015.0010.0010.0011.0011.0011.00
1.001.002.001.001.001.00
11.1110.0011.765.885.565.26
1.003.001.001.001.001.00
-66.67
0.050.050.05
6.946.946.946.946.946.946.946.946.946.946.946.946.946.946.946.94
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales CreditRiskMonitor.Com generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue CreditRiskMonitor.Com retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare CreditRiskMonitor.Com's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares CreditRiskMonitor.Com has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against CreditRiskMonitor.Com's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

CreditRiskMonitor.Com stock margins

The CreditRiskMonitor.Com margin analysis displays the gross margin, EBIT margin, as well as the profit margin of CreditRiskMonitor.Com. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for CreditRiskMonitor.Com.
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Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2018
58.50 %
-2.31 %
-1.29 %
Jan 1, 2019
60.28 %
1.29 %
1.50 %
Jan 1, 2020
100.00 %
-1.51 %
-0.30 %
Jan 1, 2021
62.89 %
13.49 %
19.71 %
Jan 1, 2022
61.15 %
8.74 %
7.57 %
Jan 1, 2023
58.63 %
7.88 %
8.95 %
Jan 1, 2024
56.48 %
6.31 %
8.45 %
Jan 1, 2025
55.66 %
2.89 %
5.06 %

CreditRiskMonitor.Com Stock Revenue, EBIT, Earnings per Share

The CreditRiskMonitor.Com earnings per share therefore indicates how much revenue CreditRiskMonitor.Com has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2018
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2019
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2020
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2021
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2022
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2023
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2024
0.00 USD
0.00 USD
0.00 USD
Jan 1, 2025
0.00 USD
0.00 USD
0.00 USD

CreditRiskMonitor.Com business model & stock analysis

CreditRiskMonitor.Com Inc. is a leading company in the field of business information services and credit risk analysis. It was founded in 1977 by Neal Hochberg under the name The Nation's Credit Adjusters and is headquartered in Valley Cottage, New York. Initially, CreditRiskMonitor.Com Inc. was a collection agency specializing in debt management for small and medium-sized businesses. However, over the years, the company has started to focus on providing risk-based information for global credit decisions. CreditRiskMonitor.Com Inc.'s business model is based on collecting and analyzing financial information and other data-driven information from various sources. The company collects data from over 57,000 public and private companies worldwide and uses its proprietary technology and methodology to analyze and evaluate this information in real-time. The company has various divisions, including: 1. Credit risk analysis: This is the main area of CreditRiskMonitor.Com Inc.'s business model. The company offers a suite of tools and services to assess the credit risk of companies. These tools include a watchlist that lists companies exposed to heightened credit risk, as well as various risk assessments. 2. Monitoring: CreditRiskMonitor.Com Inc. offers comprehensive company monitoring to better predict the risk of payment defaults. Customers can monitor specific companies or industries in real-time and receive notifications of any changes. 3. Data privacy: In this area, the company offers tools and services to support companies in compliance with data privacy laws. The company also provides various trainings and workshops to keep companies up to date. CreditRiskMonitor.Com Inc. also offers various products. Some of these products include: 1. Financial risk analysis: This is a tool that helps companies assess financial risk. It analyzes a company's financial strength and provides a score. 2. FRISK: A potentially well-known feature of CreditRiskMonitor.Com, FRISK evaluates companies based on various financial metrics and then provides a rating based on their financial strength. 3. CreditRiskMonitor Alerts: This is a tool that notifies users in real-time of important financial events that may affect their involvement with a specific company. Overall, CreditRiskMonitor.Com Inc. is a leading company in the field of business information services and credit risk analysis. Over the years, the company has built an extensive network of data sources and analysis tools and provided its customers with a wide range of tools and services to better assess the credit risk of companies.

CreditRiskMonitor.Com SWOT Analysis

Strengths

CreditRiskMonitor.Com Inc has several strengths that contribute to its competitive advantage in the market:

  • Strong brand reputation and recognition in the credit risk management industry.
  • Advanced technology platform and robust proprietary databases providing comprehensive credit risk information.
  • Extensive experience and expertise in analyzing and monitoring credit risks for various industries and companies.
  • Strong relationships with major financial institutions and corporations, enhancing credibility and customer trust.
  • Proven track record of delivering accurate and timely credit risk assessments, aiding in effective risk management strategies.

Weaknesses

Despite its strengths, CreditRiskMonitor.Com Inc has a few weaknesses that may hinder its growth and competitiveness:

  • Reliance on external data sources for credit risk information, which may not always be accurate or up-to-date.
  • Dependence on a limited number of key clients for a significant portion of its revenue, exposing the company to potential client loss.
  • Highly competitive industry with the presence of established competitors offering similar services.
  • Limited global presence and market penetration, reducing opportunities for expansion into new markets.

Opportunities

CreditRiskMonitor.Com Inc can leverage the following opportunities to further enhance its market position:

  • Increasing demand for credit risk management services due to economic uncertainties and growing risk awareness.
  • Potential expansion into emerging markets, where there is a need for advanced credit risk assessment solutions.
  • Strategic partnerships with technology companies to enhance data collection and analysis capabilities.
  • Diversification of product offerings to cater to different customer segments and industries.

Threats

CreditRiskMonitor.Com Inc faces certain threats that could impact its business operations and growth prospects:

  • Increasing regulatory requirements and compliance standards may impose additional operational costs and complexities.
  • Economic downturns and financial crises could lead to reduced demand for credit risk management services.
  • Rapid technological advancements may require continuous investments to stay ahead of competitors.
  • Emergence of new competitors offering innovative and disruptive credit risk assessment solutions.

CreditRiskMonitor.Com Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

CreditRiskMonitor.Com historical P/E ratio, EBIT multiple, and P/S ratio

CreditRiskMonitor.Com annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

CreditRiskMonitor.Com shares outstanding

The number of shares of CreditRiskMonitor.Com was 10.78 M in 2025. This indicates how many shares CreditRiskMonitor.Com is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2018
10.78 M Stocks
Jan 1, 2019
10.78 M Stocks
Jan 1, 2020
10.78 M Stocks
Jan 1, 2021
10.78 M Stocks
Jan 1, 2022
10.78 M Stocks
Jan 1, 2023
10.78 M Stocks
Jan 1, 2024
10.78 M Stocks
Jan 1, 2025
10.78 M Stocks

CreditRiskMonitor.Com stock splits

In CreditRiskMonitor.Com's history, there have been no stock splits.

CreditRiskMonitor.Com Dividend History

11 years of dividend payments

YearAnnual DividendYoY ChangePayments
20190.05USD 0.0%
20180.05USD 0.0%
20170.05USD 0.0%
20160.05USD 0.0%
20150.05USD 0.0%
20140.05USD 0.0%
20130.05USD 75.0%
20120.20USD 300.0%
20110.05USD 0.0%
20100.05USD 50.0%
Price targets and forecasts for CreditRiskMonitor.Com are not yet available.

CreditRiskMonitor.Com shareholder structure

% Name
50.17748%
Flum Partners
Flum Partners
6.47936%
SMP Asset Management, LLC
SMP Asset Management, LLC
5.54236%
Flum (Jerome S)
Flum (Jerome S)
4.90921%
Caldwell Sutter Capital, Inc
Caldwell Sutter Capital, Inc
0.61395%
Jacob Asset Management of New York, LLC
Jacob Asset Management of New York, LLC
0.20644%
Goldstein (Lawrence J)
Goldstein (Lawrence J)

CreditRiskMonitor.Com Executives and Management Board

MF

Mr. Michael Flum

(37)

President, Chief Executive Officer

Compensation273,713.00 USD
JG

Ms. Jennifer Gerold

(52)

Chief Financial Officer

Compensation217,887.00 USD
DR

Mr. David Reiner

(55)

Chief Accounting Officer

Compensation210,756.00 USD
JF

Mr. Jerome Flum

(84)

Executive Chairman of the Board · since 1983

Compensation150,000.00 USD
JF

Mr. Joshua Flum

(55)

Director

Compensation13,902.00 USD

Frequently asked questions about CreditRiskMonitor.Com

CreditRiskMonitor.Com Inc. operates as a leading web-based platform providing commercial credit risk analysis and monitoring services. The company's core business model revolves around offering insightful information and solutions to assist companies in managing credit risk. CreditRiskMonitor.Com Inc. leverages cutting-edge technology and vast databases to deliver comprehensive credit reports, timely alerts, and valuable insights on the financial health and creditworthiness of businesses. Through its extensive coverage of public and private companies worldwide, CreditRiskMonitor.Com Inc. aims to empower organizations to make informed credit decisions and mitigate potential risks.