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.

CRMZ stock: frequently asked questions

What is the intrinsic value of Creditriskmonitor Com Inc. (CRMZ) stock?

Using Benjamin Graham's revised formula, V = EPS × (8.5 + 2g) × 4.4 / Y, with reported diluted earnings per share, a 15.0% normalized growth rate (capped at 15%) and a 5.1% AAA corporate bond yield, CRMZ's intrinsic value is about $2.99 per share.

Is CRMZ stock undervalued?

At $2.12 (close on Oct 17, 2026), CRMZ trades 29% below its Graham value of $2.99. On Graham's terms that leaves a margin of safety. A formula is a starting point for research, not a recommendation.

How fast has Creditriskmonitor Com Inc. grown?

Revenue went from $12.8M in fiscal 2016 to $20.1M in fiscal 2025, a compound annual growth rate of 5.1%. Net income was $1.0M in fiscal 2025.

Does Creditriskmonitor Com Inc. generate free cash flow?

Creditriskmonitor Com Inc. generated $699.9K of free cash flow (operating cash flow minus capital expenditures) in fiscal 2025. Free cash flow was positive in 9 of the last 10 reported years.

What is CRMZ's return on invested capital?

Average ROIC over the last 10 fiscal years was -40.9%, and average return on equity was 14.3%. Sustained ROIC above about 15% usually points to a durable competitive advantage.

Where does this CRMZ data come from?

From Creditriskmonitor Com Inc.'s annual 10-K filings on SEC EDGAR, most recently filed May 12, 2026. Prices are end-of-day snapshots; valuations are formula outputs, not investment advice.

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