CBL International Limited Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
CBL International Limited has an operating margin of -0.6%, meaning the company retains $-1 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from 0.4% the prior year.
CBL International Limited's revenue surged 35.9% year-over-year to $592.5M, reflecting rapid business expansion. This strong growth earns a score of 100/100.
CBL International Limited has a moderate D/E ratio of 2.03. This balance of debt and equity financing earns a leverage score of 36/100.
CBL International Limited's current ratio of 1.47 indicates adequate short-term liquidity, earning a score of 39/100. The company can meet its near-term obligations, though with limited headroom.
While CBL International Limited generated -$1.9M in operating cash flow, capex of $144K consumed most of it, leaving -$2.1M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
CBL International Limited passes 2 of 9 financial strength tests. 1 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.
For every $1 of reported earnings, CBL International Limited generates $0.50 in operating cash flow (-$1.9M OCF vs -$3.9M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
CBL International Limited earns $-5.8 in operating income for every $1 of interest expense (-$3.3M vs $571K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
This page shows CBL International Limited (BANL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
CBL International Limited generated $592.5M in revenue in fiscal year 2024. This represents an increase of 35.9% from the prior year.
CBL International Limited's EBITDA was -$3.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 262.1% from the prior year.
CBL International Limited generated -$2.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 80.7% from the prior year.
CBL International Limited reported -$3.9M in net income in fiscal year 2024. This represents a decrease of 441.8% from the prior year.
CBL International Limited earned $-0.14 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 402.2% from the prior year.
CBL International Limited held $8.0M in cash against $0 in long-term debt as of fiscal year 2024.
CBL International Limited had 28M shares outstanding in fiscal year 2024. This represents an increase of 10.0% from the prior year.
CBL International Limited's gross margin was 0.9% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is down 0.7 percentage points from the prior year.
CBL International Limited's operating margin was -0.6% in fiscal year 2024, reflecting core business profitability. This is down 0.9 percentage points from the prior year.
CBL International Limited's net profit margin was -0.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 0.9 percentage points from the prior year.
CBL International Limited invested $144K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 81.3% from the prior year.
BANL Income Statement
| Metric | Q4'24 | Q4'23 | Q2'23 | Q4'22 | Q4'21 |
|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | N/A | N/A | N/A | N/A | N/A |
| Income Tax | N/A | N/A | N/A | N/A | N/A |
| Net Income | N/A | N/A | N/A | N/A | N/A |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A |
BANL Balance Sheet
| Metric | Q4'24 | Q4'23 | Q2'23 | Q4'22 | Q4'21 |
|---|---|---|---|---|---|
| Total Assets | $69.3M+29.6% | $53.5M-0.6% | $53.8M+110.1% | $25.6M-5.2% | $27.0M |
| Current Assets | $68.3M+31.1% | $52.1M-1.0% | $52.6M+121.8% | $23.7M-11.2% | $26.7M |
| Cash & Equivalents | $8.0M+8.3% | $7.4M-29.0% | $10.4M+107.3% | $5.0M+65.8% | $3.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $36.7M+46.0% | $25.1M-18.8% | $30.9M+67.7% | $18.4M+2.2% | $18.0M |
| Goodwill | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $46.5M+65.2% | $28.2M-1.1% | $28.5M+111.2% | $13.5M-27.4% | $18.6M |
| Current Liabilities | $46.5M+66.2% | $28.0M-1.2% | $28.3M+113.6% | $13.3M-28.4% | $18.5M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $22.9M-9.5% | $25.3M-0.1% | $25.3M+109.0% | $12.1M+43.7% | $8.4M |
| Retained Earnings | $9.0M-29.3% | $12.8M-0.1% | $12.8M+9.9% | $11.6M+46.4% | $7.9M |
BANL Cash Flow Statement
| Metric | Q4'24 | Q4'23 | Q2'23 | Q4'22 | Q4'21 |
|---|---|---|---|---|---|
| Operating Cash Flow | N/A | N/A | N/A | N/A | N/A |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A | N/A | N/A |
| Financing Cash Flow | N/A | N/A | N/A | N/A | N/A |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A |
BANL Financial Ratios
| Metric | Q4'24 | Q4'23 | Q2'23 | Q4'22 | Q4'21 |
|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | N/A | N/A | N/A | N/A | N/A |
| Current Ratio | 1.47-0.4 | 1.860.0 | 1.86+0.1 | 1.79+0.3 | 1.44 |
| Debt-to-Equity | 2.03+0.9 | 1.11-0.0 | 1.12+0.0 | 1.11-1.1 | 2.20 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A |
Similar Companies
Frequently Asked Questions
What is CBL International Limited's annual revenue?
CBL International Limited (BANL) reported $592.5M in total revenue for fiscal year 2024. This represents a 35.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is CBL International Limited's revenue growing?
CBL International Limited (BANL) revenue grew by 35.9% year-over-year, from $435.9M to $592.5M in fiscal year 2024.
Is CBL International Limited profitable?
No, CBL International Limited (BANL) reported a net income of -$3.9M in fiscal year 2024, with a net profit margin of -0.7%.
What is CBL International Limited's earnings per share (EPS)?
CBL International Limited (BANL) reported diluted earnings per share of $-0.14 for fiscal year 2024. This represents a -402.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is CBL International Limited's EBITDA?
CBL International Limited (BANL) had EBITDA of -$3.0M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
What is CBL International Limited's gross margin?
CBL International Limited (BANL) had a gross margin of 0.9% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is CBL International Limited's operating margin?
CBL International Limited (BANL) had an operating margin of -0.6% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is CBL International Limited's net profit margin?
CBL International Limited (BANL) had a net profit margin of -0.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is CBL International Limited's free cash flow?
CBL International Limited (BANL) generated -$2.1M in free cash flow during fiscal year 2024. This represents a 80.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is CBL International Limited's operating cash flow?
CBL International Limited (BANL) generated -$1.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are CBL International Limited's total assets?
CBL International Limited (BANL) had $69.3M in total assets as of fiscal year 2024, including both current and long-term assets.
What are CBL International Limited's capital expenditures?
CBL International Limited (BANL) invested $144K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does CBL International Limited have outstanding?
CBL International Limited (BANL) had 28M shares outstanding as of fiscal year 2024.
What is CBL International Limited's current ratio?
CBL International Limited (BANL) had a current ratio of 1.47 as of fiscal year 2024, which is considered adequate.
What is CBL International Limited's debt-to-equity ratio?
CBL International Limited (BANL) had a debt-to-equity ratio of 2.03 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is CBL International Limited's return on assets (ROA)?
CBL International Limited (BANL) had a return on assets of -5.6% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is CBL International Limited's cash runway?
Based on fiscal year 2024 data, CBL International Limited (BANL) had $8.0M in cash against an annual operating cash burn of $1.9M. This gives an estimated cash runway of approximately 50 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is CBL International Limited's Piotroski F-Score?
CBL International Limited (BANL) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are CBL International Limited's earnings high quality?
CBL International Limited (BANL) has an earnings quality ratio of 0.50x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can CBL International Limited cover its interest payments?
CBL International Limited (BANL) has an interest coverage ratio of -5.8x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is CBL International Limited?
CBL International Limited (BANL) scores 35 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.