CBL International Limited (BANL) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2025, filed Apr 17, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BANL SEC filings page.
CBL International Limited (BANL) reported $538.5M in revenue for fiscal year 2025, down 9.1% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 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).
Thin-margin turnover remains the dominant mechanic, with revenue scale masking weak operating economics and rising balance-sheet leverage.
Cash conversion diverged from earnings in FY2025: the company reported a net loss of-$3.0M but generated operating cash flow of$4.0M and free cash flow of$4.0M . Because capital spending was only$3K , the cash improvement came primarily from operations rather than reinvestment, but it did not reflect accounting profitability.
Revenue fell
Financial flexibility narrowed as total liabilities increased from
Financial Health Signals
Scored against energy companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of CBL International Limited's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
CBL International Limited has an operating margin of -0.4%, meaning the company loses less than $1 on every $100 of revenue. This results in a profitability score of 18/100. This is up from -0.6% the prior year.
CBL International Limited's revenue declined 9.1% year-over-year, from $592.5M to $538.5M. This contraction results in a growth score of 71/100.
CBL International Limited has elevated debt relative to equity (D/E of 2.81), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 26/100, reflecting increased financial risk.
CBL International Limited's current ratio of 1.35 indicates adequate short-term liquidity, earning a score of 53/100. The company can meet its near-term obligations, though with limited headroom.
CBL International Limited's free cash flow margin of 0.7% results in a low score of 26/100. Capital expenditures of $3K absorb a large share of operating cash flow.
CBL International Limited posts a -15.0% return on equity (ROE), meaning it loses $15 for every $100 of shareholders' equity. This results in a returns score of 9/100. This is up from -16.9% the prior year.
CBL International Limited scores 7.57, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
CBL International Limited passes 3 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
CBL International Limited reported a net loss of $3.0M while generating $4.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
CBL International Limited reported an operating loss of $2.4M against $744K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
None of these metrics is reported for Q4 2025.
Cash & Balance Sheet
CBL International Limited held $9.3M in cash as of Q4 2025; long-term debt is not reported for that period.
Not reported for Q4 2025.
Not reported for Q4 2025.
Margins & Returns
None of these metrics is reported for Q4 2025.
Capital Allocation
None of these metrics is reported for Q4 2025.
BANL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
BANL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2520-F | Q4'2420-F | Q4'2310-K | Q2'2310-Q | Q4'2210-K | Q4'2110-K |
|---|---|---|---|---|---|---|
| Total Assets | $75.7M+9.3% | $69.3M+29.6% | $53.5M+108.9% | $53.8M | $25.6M-5.2% | $27.0M |
| Current Assets | $75.1M+9.9% | $68.3M+31.1% | $52.1M+119.6% | $52.6M | $23.7M-11.2% | $26.7M |
| Cash & Equivalents | $9.3M+16.3% | $8.0M+8.3% | $7.4M+47.1% | $10.4M | $5.0M+65.8% | $3.0M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Receivable | $39.0M+6.4% | $36.7M+46.0% | $25.1M+36.2% | $30.9M | $18.4M+2.2% | $18.0M |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $55.8M+20.0% | $46.5M+65.2% | $28.2M+108.9% | $28.5M | $13.5M-27.4% | $18.6M |
| Current Liabilities | $55.8M+19.9% | $46.5M+66.2% | $28.0M+111.0% | $28.3M | $13.3M-28.4% | $18.5M |
| Non-Current Liabilities | $71K+99.5% | $35K-81.8% | $194K-15.1% | $166K | $229K+361.3% | $50K |
| Total Equity | $19.9M-13.2% | $22.9M-9.5% | $25.3M+108.9% | $25.3M | $12.1M+43.7% | $8.4M |
| Retained Earnings | $6.1M-32.9% | $9.0M-29.3% | $12.8M+9.8% | $12.8M | $11.6M+46.4% | $7.9M |
Not reported in any period shown, so not listed: Inventory, Goodwill, Long-Term Debt.
BANL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.
BANL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Asset Turnover, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| CBL International Limited BANL | FY2025 | $538.5M | -$3.0M | -0.6% | $13.3M | 34/100 |
| Top Ships Inc TOPS | FY2025 | $80.4M | $3.1M | 3.8% | $4.0M | 32/100 |
| Pyxis Tankers PXS | FY2025 | $39.0M | $2.0M | 5.1% | $71.8M | 43/100 |
| Martin Midstream Prtnrs L P MMLP | FY2025 | $716.1M | -$14.7M | -2.1% | $85.7M | 43/100 |
| Imperial Petrole IMPP | FY2025 | $161.0M | $50.0M | 31.0% | $255.7M | 57/100 |
Where CBL International Limited Ranks
Frequently Asked Questions
What is CBL International Limited's annual revenue?
CBL International Limited (BANL) reported $538.5M in total revenue for fiscal year 2025. This represents a -9.1% 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 declined by 9.1% year-over-year, from $592.5M to $538.5M in fiscal year 2025.
Is CBL International Limited profitable?
No, CBL International Limited (BANL) reported a net income of -$3.0M in fiscal year 2025, with a net profit margin of -0.6%.
What is CBL International Limited's EBITDA?
CBL International Limited (BANL) had EBITDA of -$2.0M in fiscal year 2025, 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 0.8% in fiscal year 2025, 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 -0.4% in fiscal year 2025, 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 -0.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is CBL International Limited's return on equity (ROE)?
CBL International Limited (BANL) has a return on equity of -15.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is CBL International Limited's free cash flow?
CBL International Limited (BANL) generated $4.0M in free cash flow during fiscal year 2025. This represents a 291.3% 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 $4.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are CBL International Limited's total assets?
CBL International Limited (BANL) had $75.7M in total assets as of fiscal year 2025, including both current and long-term assets.
What are CBL International Limited's capital expenditures?
CBL International Limited (BANL) invested $3K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is CBL International Limited's current ratio?
CBL International Limited (BANL) had a current ratio of 1.35 as of fiscal year 2025, 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 2.81 as of fiscal year 2025, 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 -4.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is CBL International Limited's P/E ratio?
CBL International Limited (BANL) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2025). The market capitalization is $13.3M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CBL International Limited's price-to-sales ratio?
CBL International Limited (BANL) trades at 0.0x sales, its market capitalization divided by revenue of $538.5M revenue, FY2025. The market capitalization is $13.3M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CBL International Limited's Altman Z-Score?
CBL International Limited (BANL) has an Altman Z-Score of 7.57, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is CBL International Limited's Piotroski F-Score?
CBL International Limited (BANL) has a Piotroski F-Score of 3 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported a net loss of $3.0M while generating $4.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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) reported an operating loss of $2.4M against $744K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. 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 34 out of 100 on our Financial Health Score, indicating weak standing within its energy companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.