Ecrid, Inc. (ECDD)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Ecrid, Inc. (ECDD) trades at $0.00 with AI Score 45/100 (Grade C). Ecrid, Inc. provides credit repair software solutions, enabling consumers to track and manage their payments. Market cap: $85,168, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for ECDD: ECDD does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ECDD against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ECDD: the 1 perspectives are evenly split.
How is this calculated? →Ecrid, Inc. (ECDD) Financial Services Profile
Ecrid, Inc., established in 2010, offers internet-based software for credit repair consumers to manage and track their monthly payments. Operating in the financial services sector, the company focuses on providing tools for on-time bill payment and credit improvement, serving a niche market within the broader financial landscape.
What Is the Investment Thesis for ECDD?
Ecrid, Inc. presents a focused play within the credit repair segment of the financial services industry. The company's internet-based software targets consumers needing credit repair assistance, offering tools to track payments and manage bills on time. The company's success hinges on its ability to effectively market its software and acquire users within the competitive credit repair market. The company's small size and limited resources pose challenges to scaling operations and achieving profitability. Investors should carefully consider the company's financial performance, market penetration, and competitive landscape before making investment decisions. The negative P/E ratio of -0.05 indicates that the company is not currently profitable.
Based on FMP financials and quantitative analysis
ECDD Key Highlights
- Ecrid, Inc. operates in the credit repair services market, providing software solutions for consumers.
- The company was incorporated in 2010 and is based in Stuart, Florida.
- Ecrid, Inc. has a market capitalization of 85K, indicating its small size.
- The company's P/E ratio is -0.05, suggesting it is not currently profitable.
- Ecrid, Inc. has a beta of -1.72, indicating a potential inverse correlation to market movements.
Who Are ECDD's Competitors?
ECDD is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 71 |
| LPRO Open Lending Corporation | $3.13 | +0.64% | $370.35M | 68 |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | $25.30 | +0.38% | $1.46B | 68 |
| AHG Akso Health Group | $1.51 | -0.66% | $143.04M | 67 |
| BBDC Barings BDC, Inc. | $8.57 | +0.00% | $897.35M | 52 |
| SWRD Stewards Inc. | $2.50 | +0.00% | $522.76M | 52 |
| SLM SLM Corporation | $25.58 | -0.06% | $4.82B | 52 |
| SOFI SoFi Technologies, Inc. | $18.80 | +3.04% | $24.11B | 53 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ECDD's Key Strengths?
- Specialized software for credit repair.
- Focus on a niche market.
- Proprietary technology for payment tracking.
What Are ECDD's Weaknesses?
- Small size and limited resources.
- Dependence on a single software product.
- Negative P/E ratio indicating lack of profitability.
What Could Drive ECDD Stock Higher?
- Potential partnerships with financial institutions to expand user base.
- Continued development and improvement of the credit repair software.
- Launch of targeted marketing campaigns to increase brand awareness.
What Are the Key Risks for ECDD?
- Weak fundamentals — a Piotroski F-Score of 1/9 flags soft profitability, leverage or efficiency.
- Competition from larger financial institutions with more resources.
- Changes in regulations affecting the credit repair industry.
- Limited financial disclosure due to OTC Other tier listing.
- Low liquidity and potential for price volatility.
What Are the Growth Opportunities for ECDD?
- Expansion of Software Features: Ecrid, Inc. can expand its software capabilities to include features such as credit score monitoring, personalized financial advice, and debt management tools. The market for credit monitoring and financial advice is substantial, with a projected market size of $1.5 billion by 2028. By offering a more comprehensive suite of services, Ecrid can attract a broader customer base and increase revenue streams. The timeline for implementing these features is estimated at 12-18 months, requiring investment in software development and data integration.
- Strategic Partnerships: Ecrid, Inc. can form strategic partnerships with financial institutions, credit unions, and consumer advocacy groups to expand its reach and credibility. Partnering with established players in the financial services industry can provide access to a wider customer base and enhance brand recognition. The timeline for establishing these partnerships is estimated at 6-12 months, involving negotiations and integration efforts. These partnerships can drive user acquisition and increase market share.
- Targeted Marketing Campaigns: Ecrid, Inc. can implement targeted marketing campaigns to reach specific demographics and geographic regions with high demand for credit repair services. By focusing on areas with high levels of consumer debt and low credit scores, Ecrid can maximize the effectiveness of its marketing efforts. The timeline for launching these campaigns is estimated at 3-6 months, requiring investment in market research and advertising. Effective marketing can drive user growth and increase brand awareness.
- Mobile App Development: Ecrid, Inc. can develop a mobile app to provide users with convenient access to its software on their smartphones and tablets. Mobile apps are increasingly popular for managing personal finances, offering users the ability to track their payments and monitor their credit scores on the go. The timeline for developing a mobile app is estimated at 9-12 months, requiring investment in app development and user interface design. A mobile app can enhance user engagement and improve customer satisfaction.
- Subscription-Based Model: Ecrid, Inc. can transition to a subscription-based model, offering users access to its software for a recurring monthly or annual fee. A subscription model can provide a more predictable revenue stream and improve customer retention. The timeline for implementing a subscription model is estimated at 3-6 months, involving changes to pricing and billing systems. A subscription model can enhance financial stability and support long-term growth.
What Opportunities Does ECDD Have?
- Expansion of software features.
- Strategic partnerships with financial institutions.
- Targeted marketing campaigns to reach specific demographics.
What Threats Does ECDD Face?
- Competition from larger financial institutions.
- Changes in regulations affecting the credit repair industry.
- Economic downturn impacting consumer spending.
What Are ECDD's Competitive Advantages?
- Specialized software solution tailored for credit repair.
- Focus on a niche market within the financial services industry.
- Proprietary technology for tracking and managing payments.
What Does ECDD Do?
Ecrid, Inc., founded in 2010 and headquartered in Stuart, Florida, operates within the financial services sector, focusing on the credit repair community. The company provides an internet interactive software designed to assist consumers in tracking their monthly payments and ensuring timely bill payments. This software aims to empower users to improve their credit scores by facilitating responsible financial management. Ecrid's core offering is its proprietary software platform, which allows users to monitor their payment schedules, set reminders, and track their progress in credit repair. By centralizing payment information and providing tools for on-time payments, Ecrid aims to address a key challenge faced by individuals seeking to improve their creditworthiness. The company's business model centers on providing access to this software, targeting consumers who require assistance in managing their finances and repairing their credit history. Ecrid, Inc. operates primarily within the United States, focusing on the domestic credit repair market. The company's competitive positioning is centered on its specialized software solution, designed to meet the specific needs of consumers seeking credit repair services. While the company is small, with only one employee, its focus on a niche market allows it to cater to a specific segment of the financial services industry.
What Products and Services Does ECDD Offer?
- Provides internet interactive software for credit repair.
- Enables consumers to track monthly payments.
- Helps users pay bills on time.
- Aids in improving credit scores through payment management.
- Offers a centralized platform for managing financial obligations.
- Targets individuals seeking credit repair services.
How Does ECDD Make Money?
- Offers software access to consumers needing credit repair.
- Generates revenue through user subscriptions or licensing fees.
- Focuses on providing tools for on-time bill payment.
What Industry Does ECDD Operate In?
Ecrid, Inc. operates within the financial services sector, specifically in the credit repair industry. This industry is characterized by companies offering services to help consumers improve their credit scores and manage their debt. The market is competitive, with various players ranging from large financial institutions to smaller, specialized firms. Market trends include increasing demand for credit repair services due to rising consumer debt levels and the growing importance of credit scores in financial decision-making. Competitors include companies like ACFL, AMLH, AWWI, BCAP, and IFAN, which offer a range of credit-related services.
Who Are ECDD's Key Customers?
- Consumers seeking credit repair services.
- Individuals with low credit scores.
- People needing assistance with managing their finances.
ECDD Valuation & Market Position
With a 85K market cap, Ecrid, Inc. sits in the micro-cap segment of the market. Relative to its peer group, ECDD's quantitative score of 45/100 is below the peer average of 65/100.
Key Financial Metrics
Its free cash flow yield is -46.9%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.45 means current liabilities exceed short-term assets, a liquidity point worth watching.
F-Score 1/9Financial Health
Ecrid, Inc.'s Piotroski F-Score is 1/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny.
ECDD Financials
Bull Case vs Bear Case
Bull Case
- Specialized software for credit repair.
- Focus on a niche market.
- Proprietary technology for payment tracking.
- Upcoming: Potential partnerships with financial institutions to expand user base.
Bear Case
- Small size and limited resources.
- Dependence on a single software product.
- Negative P/E ratio indicating lack of profitability.
- Potential: Competition from larger financial institutions with more resources.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
ECDD Latest News
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Stocks That Hit 52-Week Highs On Tuesday
· Mar 24, 2020
ECDD Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ECDD.
Price Targets
Wall Street price target analysis for ECDD.
ECDD MoonshotScore
What does this score mean?
The MoonshotScore rates ECDD's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Gary Everette Cleveland
Managing Director
Gary Everette Cleveland is the Managing Director of Ecrid, Inc. His role involves overseeing the company's operations and strategic direction. Information on his prior career history, education, and credentials is not available in the provided data. He is responsible for managing the company's sole employee and guiding its efforts in the credit repair market.
Track Record: Given the limited information available, it is difficult to assess Gary Everette Cleveland's track record at Ecrid, Inc. The company's current financial status, indicated by a negative P/E ratio, suggests that profitability remains a challenge. Further information is needed to evaluate his strategic decisions and contributions to the company's milestones.
ECDD OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing stocks that may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited or no financial disclosure, making it difficult for investors to assess their financial health and operational performance. Investing in OTC Other stocks carries significant risks due to the lack of transparency and regulatory oversight compared to stocks listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases the risk of investing in ECDD.
- Low liquidity can make it difficult to buy or sell shares.
- The OTC Other tier has minimal regulatory oversight.
- Potential for price manipulation due to low trading volume.
- Lack of historical financial data makes it challenging to assess the company's performance.
- Verify the company's legal standing and registration.
- Attempt to obtain financial statements, even if unaudited.
- Research the background of the company's management team.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC Other stocks.
- Monitor trading volume and price fluctuations.
- Consult with a financial advisor before investing.
- Company was incorporated in 2010, indicating some operating history.
- Company provides a specific service (credit repair software).
- Company has a registered business address in Stuart, Florida.
Common Questions About ECDD (Financial Services)
What does Ecrid, Inc. do?
Ecrid, Inc. provides internet-based software designed to help consumers track their monthly payments and pay their bills on time, with the goal of improving their credit scores. The company focuses on the credit repair community, offering a tool to manage financial obligations and monitor payment schedules. By centralizing payment information, Ecrid aims to assist users in establishing responsible financial habits and repairing their credit history. The software is designed to be user-friendly and accessible to individuals seeking to improve their creditworthiness.
What do analysts say about ECDD stock?
There is currently no available analyst coverage for Ecrid, Inc. due to its small market capitalization and listing on the OTC Other tier. The company's financial performance and growth prospects have not been evaluated by professional analysts. Investors should conduct their own due diligence and carefully consider the risks associated with investing in ECDD before making any investment decisions. The lack of analyst coverage reflects the limited information available and the speculative nature of the stock.
What are the main risks for ECDD?
The main risks for Ecrid, Inc. include its small size and limited resources, which may hinder its ability to compete with larger financial institutions. The company's dependence on a single software product also poses a risk, as changes in technology or consumer preferences could impact its business. Additionally, the company's listing on the OTC Other tier carries significant risks, including limited financial disclosure, low liquidity, and potential for price volatility. Investors should carefully consider these risks before investing in ECDD.
How sensitive is ECDD to interest rate changes?
As a provider of credit repair software, Ecrid, Inc.'s direct sensitivity to interest rate changes is likely limited compared to traditional financial institutions. However, indirect impacts could arise. Higher interest rates may increase the financial strain on consumers, potentially driving more individuals to seek credit repair services. Conversely, lower interest rates could ease financial burdens, reducing the demand for credit repair. The overall impact will depend on the interplay of these factors and the company's ability to adapt to changing economic conditions.
How is Ecrid, Inc. adapting to fintech disruption?
Given the limited information available, it is difficult to assess Ecrid, Inc.'s specific strategies for adapting to fintech disruption. However, as a provider of internet-based software, the company is already operating within the digital realm. To remain competitive, Ecrid may need to invest in enhancing its software platform with advanced features, such as AI-powered financial advice and seamless integration with other fintech applications. The company's ability to innovate and adapt to evolving technological trends will be crucial for its long-term success.
What are the key factors to evaluate for ECDD?
Ecrid, Inc. (ECDD) holds an AI score of 45/100 (low). Not financial advice.
How frequently does ECDD data refresh on this page?
ECDD prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven ECDD's recent stock price performance?
Ecrid, Inc. (ECDD) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialized software for credit repair. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available on Ecrid, Inc. due to its OTC listing and lack of analyst coverage.
- Financial data is scarce, making it difficult to assess the company's performance and prospects.
- OTC Other stocks carry significant risks due to limited regulation and disclosure.