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No institutional (13F) filings cover this company, so the Overview and 13F tabs are thin. Everything drawn from its SEC filings is here.
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Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $2.10 today, the market must believe free cash flow compounds -0.1%/yr for a decade (off $1M normalized FCF).
The market's -0.1% is more optimistic than its 9-yr track record.
2-stage DCF · 0.01B shares · net debt -$6M
mean -43.8% · volatility σ 149% · implied rate exceeded in 3/8 yrs
Central path = implied -0.1%/yr growth; shaded band = ±1σ (149%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
4/7 of the 9 checks — 2 couldn't be scored (see above), so the score is out of the 7 with data.
Safe > 2.99 · grey 1.81–2.99 · distress < 1.81
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Cash conversion lags reported earnings — watch accruals. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on $699923 FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Modest payoff on reinvested capital. Current ROIC on all capital: 8%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest expense isn't separately reported — often netted into “other income (expense), net.”
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $20.1M 100.0% | $19.8M 100.0% | $18.9M 100.0% | $18.0M 100.0% | $17.1M 100.0% | $15.7M 100.0% | $14.5M 100.0% | $13.9M 100.0% | $13.4M 100.0% | $12.8M 100.0% |
| Cost of Revenue | — | — | — | — | — | — | — | $5.8M 41.5% | $5.4M 40.5% | — |
| Cost of Services | — | — | — | — | — | — | — | — | $5.4M 40.5% | $4.9M 38.6% |
| Selling, General & Admin | $10.3M 51.0% | $9.5M 48.1% | $9.2M 48.7% | $9.0M 50.3% | $8.1M 47.7% | $9.7M 61.8% | $8.3M 57.6% | $8.3M 59.4% | $8.0M 60.1% | $7.5M 58.5% |
| Total Operating Expenses | $19.5M 97.1% | $18.6M 93.7% | $17.4M 92.1% | $16.4M 91.3% | $14.8M 86.5% | $16.0M 101.5% | $14.3M 98.7% | $14.2M 102.3% | $13.7M 102.1% | $12.6M 98.6% |
| Operating Income | $582K 2.9% | $1.2M 6.3% | $1.5M 7.9% | $1.6M 8.7% | $2.3M 13.5% | -$238K -1.5% | $187K 1.3% | -$321K -2.3% | -$278K -2.1% | $174K 1.4% |
| Other Income (Expense), net | $746K 3.7% | $919K 4.6% | $715K 3.8% | $181K 1.0% | $10K 0.1% | $27K 0.2% | $156K 1.1% | $129K 0.9% | $47K 0.4% | $27K 0.2% |
| Pretax Income | $1.3M 6.6% | $2.2M 10.9% | $2.2M 11.7% | $1.8M 9.7% | $3.9M 22.7% | -$211K -1.3% | $343K 2.4% | -$192K -1.4% | -$231K -1.7% | $202K 1.6% |
| Income Tax Expense | $310K 1.5% | $493K 2.5% | $512K 2.7% | $392K 2.2% | $510K 3.0% | -$164K -1.0% | $125K 0.9% | -$13K -0.1% | -$243K -1.8% | $149K 1.2% |
| Net Income | $1.0M 5.1% | $1.7M 8.5% | $1.7M 9.0% | $1.4M 7.6% | $3.4M 19.7% | -$47K -0.3% | $218K 1.5% | -$179K -1.3% | $12K 0.1% | $52K 0.4% |
| Per Share | ||||||||||
| EPS (Basic) | $0.09 | $0.16 | $0.16 | $0.13 | $0.31 | $0.00 | $0.02 | $-0.02 | $0.00 | $0.00 |
| EPS (Diluted) | $0.09 | $0.16 | $0.16 | $0.13 | $0.31 | $0.00 | $0.02 | $-0.02 | $0.00 | $0.00 |
| Weighted Avg Shares (Basic) | 10.8M | 10.7M | 10.7M | 10.7M | 10.7M | 10.7M | 10.7M | 10.7M | 10.7M | 10.7M |
| Weighted Avg Shares (Diluted) | 10.8M | 10.8M | 10.8M | 10.8M | 10.8M | 10.7M | 10.7M | 10.7M | 10.7M | 10.8M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $940.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $692.5B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $513.8B | 34.4× | — | 15.7× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $417.6B | 15.2× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $278.1B | 18.3× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $269.2B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $214.3B | 20.3× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.7B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $171.3B | 21.5× | — | 6.7× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $168.5B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $160.8B | 29.4× | — | 6.6× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| CB | $133.6B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| GLD | $132.1B | — | — | — | — | — | — | — | — | — | 3,072 |
| PGR | $127.2B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.5B | 27.8× | 17.4× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| CME | $98.0B | 24.4× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $95.6B | 12.9× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| HOOD | $92.8B | 50.9× | — | 20.7× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| BX | $92.4B | 31.9× | — | 6.4× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.7B | 13.9× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $88.9B | — | — | — | — | — | — | — | — | — | 7 |
| ICE | $87.4B | 26.7× | 20.7× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| KKR | $86.3B | — | — | 4.4× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| MRSH | $85.7B | 21.0× | 15.6× | 3.2× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| CRMZ | $23M | 23.3× | — | 1.1× | 1.6% | — | 5.1% | 8.2% | 8.2% | — | — |
Peers = companies sharing CRMZ's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
EOD close · as of 2026-09-17
No standout strengths flagged.
No material risks flagged.
Where each multiple sits in its own 14-yr range · 16th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 41.5 | — | — | — | — | — | — | — |
| SG&A | 59.4 | 57.6 | 61.8 | 47.7 | 50.3 | 48.7 | 48.1 | 51.0 |
| Operating Income | -2.3 | 1.3 | -1.5 | 13.5 | 8.7 | 7.9 | 6.3 | 2.9 |
| Income Tax | -0.1 | 0.9 | -1.0 | 3.0 | 2.2 | 2.7 | 2.5 | 1.5 |
| Net Income | -1.3 | 1.5 | -0.3 | 19.7 | 7.6 | 9.0 | 8.5 | 5.1 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on CRMZ: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.