CREDITRISKMONITOR.COM, INC.

CRMZ · Technology · $23.2M mkt cap · FY2025 filings · Wide moat

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Wide moat

The four filters

Pricing power98

Median gross margin 59.0% over 2y, very stable.

Returns on capital58

Median ROIC 14.5%, above the 9% hurdle in 50% of years.

Balance-sheet safety100

Net cash position — no leverage risk.

Capital discipline79

Owner earnings +40.2%/yr, share count flat.

Margin of safety

Above valueOn sale

23% above value

Owner earnings (normalized): $1.7M
Est. intrinsic value / share: $1.75
Recent price: $2.15
Discount to value: 23% above value

Conservative model: 9% discount rate, 0% assumed growth (capped at 4%), maintenance capex ≈ min(capex, D&A).

Moat Score history

Score history begins 2026-07-17. Check back as the record builds.

Scores are logged append-only and never overwritten — this record can't be backfilled, which is exactly why it's worth keeping.

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Scored from primary SEC filings via the public methodology. Educational only — not a recommendation to buy or sell CRMZ. See the disclaimer.