Creditriskmonitor Com Inc. (CRMZ) intrinsic value & 10-year financials
Creditriskmonitor Com Inc. (CRMZ) has a Graham intrinsic value of $2.99 per share. At $2.12 on Oct 17, 2026, the stock trades 29% below that value. Over the last 10 fiscal years revenue grew 5.1% a year to $20.1M, with an average return on invested capital of -40.9%.
- Graham intrinsic value
- $2.99
- Share price (Oct 17, 2026)
- $2.12
- Price vs Graham value
- 29% below
- Market cap
- $23.0M
- Revenue (FY2025)
- $20.1M
- Revenue growth (10-yr CAGR)
- 5.1%
- ROIC (10-yr avg)
- -40.9%
- Free cash flow (FY2025)
- $699.9K
CRMZ 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $20.1M | $1.0M | $0.09 | $699.9K | 2.9% | 8.4% |
| FY2024 | $19.8M | $1.7M | $0.16 | $2.5M | 6.3% | 44.0% |
| FY2023 | $18.9M | $1.7M | $0.16 | $1.1M | 7.9% | -373.8% |
| FY2022 | $18.0M | $1.4M | $0.13 | $1.5M | 8.7% | -50.6% |
| FY2021 | $17.1M | $3.4M | $0.31 | $1.6M | 13.5% | -41.0% |
| FY2020 | $15.7M | -$47.4K | $0.00 | $924.1K | -1.5% | 2.7% |
| FY2019 | $14.5M | $217.6K | $0.02 | $745.1K | 1.3% | -2.8% |
| FY2018 | $13.9M | -$179.3K | -$0.02 | -$132.1K | -2.3% | 5.9% |
| FY2017 | $13.4M | $12.1K | $0.00 | $48.9K | -2.1% | -3.7% |
| FY2016 | $12.8M | $52.4K | $0.00 | $800.2K | 1.4% | 2.2% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
CREDITRISKMONITOR COM INC has demonstrated mature, steady growth, with revenue compounding at 5.1% annually over the past decade.
CREDITRISKMONITOR COM INC has historically struggled to out-earn its cost of capital, averaging just -3.9% ROIC.
CREDITRISKMONITOR COM INC has not shown aggressive share repurchases (>10% retirement) or a major balance-sheet leverage increase (>50% net debt growth) over the 10-year window.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, CREDITRISKMONITOR COM INC is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $2.99 per share.