CreditRiskMonitor.com, Inc. (CRMZ) Fair Value 2026

CRMZ · Software - Application ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.9 /10

32 fundamental signals · 10 models active

Value Trap Risk

SAFE (15/100)

Quick Summary — As of 2026-08-27, CreditRiskMonitor.com, Inc. (CRMZ) trades at $2.10, versus a $1.56 median fair value across its 10 active models — 25.9% below the current price. QOC: 7.9/10. Value Trap Risk: 15/100 (SAFE). 10/13 models active. Within that set, the Bayesian DCF component alone returns $2.91.

Key Facts

Ticker
CRMZ
Price
$2.10
Quality Score
7.9/10
Value Trap Risk
15/100
Models Active
10/13
Last Updated
Strength: Bayesian DCF suggests +38.7% upside with 66% confidence
Risk: Majority of models suggest overvaluation

Is CreditRiskMonitor.com, Inc. (CRMZ) Undervalued or Overvalued in 2026?

According to CirclFi’s 10-model valuation engine, CreditRiskMonitor.com, Inc. (CRMZ) appears overvalued as of : the median of 10 independent fair value estimates is $1.56, 25.9% below the current price of $2.10. Estimates range from $0.26 to $3.03. CRMZ scores 7.9/10 on fundamental quality and 15/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CRMZ’s -25.9% gap is wider than that market norm, and the Software - Application sector median is -23.4%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy CreditRiskMonitor.com, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CRMZ?

10 Intrinsic Value Models vs. Current Price ($2.10)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $2.91 +38.7%
Intrinsic · High Conviction
 $1.91 -9.2%
Ensemble · Low Conviction
 $1.65 -21.4%
Intrinsic · High Conviction
 $0.51 -75.6%
Unlock the Full Matrix

Access 6 additional models including EROIC Spread, Dynamic NAV, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 10 Models →

Cancel anytime · No contracts · Instant access

What Is CRMZ's Fair Value Range?

Spread across 10 independent models · $0.26 to $3.03

CirclFi's 10 active models place CreditRiskMonitor.com, Inc. (CRMZ) between $0.26 and $3.03 per share, a spread of 178% of the median. The median of that range — $1.56 — is the fair value CirclFi publishes for CRMZ, against a current price of $2.10.

Low · Dynamic NAVHigh · RCMH-DCF
$0.26median $1.56$3.03
Where the range comes from
Most bearish modelDynamic NAV$0.26
Most bullish modelRCMH-DCF$3.03
Model agreement2 bullish · 7 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CRMZ. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CRMZ, not a CirclFi price target. How each model works →

What Is CreditRiskMonitor.com, Inc. (CRMZ) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, CreditRiskMonitor.com, Inc.'s intrinsic value is estimated at a median fair value of $1.56. Trading at $2.10, the stock is approaching fair value or slight overvaluation (implied return of -25.9%), as 7 of 10 models suggest limited further upside. Notably, RCMH-DCF sees the most upside at +44.2% (fair value: $3.03), while Dynamic NAV is the most conservative at -87.4% ($0.26). The spread between these extremes — +131.7% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About CRMZ?

10 of 13 models are currently active for CRMZ. Of these, 3 models suggest upside while 7 models suggest overvaluation. Taken together, their median fair value for CRMZ is $1.56 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $2.91 on its own, implying +38.7% upside from the current price. See which stocks rank higher →

How Does CRMZ Rank in Software - Application?

Among 256 Software - Application stocks, CRMZ ranks #74 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.

See all Most Undervalued Software - Application Stocks →

CreditRiskMonitor.com, Inc.'s positioning within the Software - Application segment means that gross margin profile plays an outsized role in fundamental analysis. The sector's unique characteristics — including platform stickiness — shape both the opportunity set and risk profile.

Is CRMZ a Value Trap?

CirclFi's Value Trap algorithm assigns CRMZ a score of 15/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

10 of 13 models are active for CreditRiskMonitor.com, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, CreditRiskMonitor.com, Inc. earns a quality score of 7.9/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +131.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CRMZ valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CRMZ's 10 active models, average confidence is 47%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy CreditRiskMonitor.com, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Application Stocks Should You Also Analyze?

11 related Software - Application stocks with 13-model coverage

DJCODaily Journal CorporationQOC 7.9PLUSePlus inc.QOC 7.9PTRNPattern Group Inc.QOC 8.0NCNOnCino, Inc.QOC 7.9EGHT8x8, Inc.QOC 8.0BVCBitVentures LimitedQOC 7.8CRNCCerence Inc.QOC 6.5IFBDInfobird Co., LtdQOC 4.8PEGAPegasystems Inc.QOC 9.4ADSKAutodesk, Inc.QOC 9.8PTCPTC Inc.QOC 9.8

Read investment analysis: DJCO · PLUS · PTRN · NCNO · EGHT · BVC · CRNC · IFBD · PEGA · ADSK · PTC

Which Other Stocks Have a Similar Quality Score to CRMZ?

7 companies across all industries closest to CRMZ’s Quality of Company score of 7.9/10.

NEENextEra Energy, Inc.QOC 7.9CNOBConnectOne Bancorp, Inc.QOC 7.9ESSEssex Property Trust, Inc.QOC 7.9ABMABM Industries IncorporatedQOC 7.9EBCEastern Bankshares, Inc.QOC 7.9ETSYEtsy, Inc.QOC 7.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: NEE · CNOB · ESS · ABM · EBC · ETSY · NVDA

Where Does CRMZ Sit in CirclFi's Software - Application Rankings?

CRMZ is ranked against every other Software - Application stock CirclFi covers in each of these screens.

See all Software - Application stocks ranked →

What Else Do Investors Ask About CreditRiskMonitor.com, Inc.’s Valuation?

What is CreditRiskMonitor.com, Inc.'s intrinsic value in 2026?

CirclFi puts CreditRiskMonitor.com, Inc. (CRMZ)'s intrinsic value at $1.56 — the median of 10 independent model estimates as of 2026-08-27, ranging from $0.26 to $3.03. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $2.91 on its own. The Quality of Company score is 7.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CRMZ overvalued or undervalued right now?

At $2.10, 3 of 10 active models suggest CRMZ may be undervalued, while 7 indicate potential overvaluation. The median of all 10 fair value estimates is $1.56, 25.9% below the current price of $2.10 — a consensus view that CRMZ is overvalued. The assessment depends on which methodology best fits CreditRiskMonitor.com, Inc.'s business model in Software - Application.

What does a Quality of Company score of 7.9 mean for CRMZ?

CreditRiskMonitor.com, Inc.'s QOC of 7.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CRMZ?

CirclFi analyzes CRMZ with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 10 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CRMZ?

Of the 10 models currently active on CRMZ, RCMH-DCF is the most bullish at $3.03 per share, and Dynamic NAV is the most bearish at $0.26. CirclFi's published fair value for CRMZ is the median of that range, $1.56, not either extreme. The gap between the two ends equals 178% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CRMZ a value trap in 2026?

CreditRiskMonitor.com, Inc.'s Value Trap score is 15/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 10-model valuation engine, CreditRiskMonitor.com, Inc. (CRMZ) has a median fair value of $1.56 — 25.9% below the current price of $2.10 — as of 2026-08-27.” Source: circlfi.com/stock/CRMZ/ · Methodology
Primary sources for this CRMZ valuation
  • Financial statements: CreditRiskMonitor.com, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000315958) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CRMZ as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 10 mathematical frameworks give you clarity on CRMZ.

Unlock All 10 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

6 models hidden for CRMZ Unlock All 10 — $39/mo