CBL International Limited Financials
This page shows CBL International Limited (BANL) financial statements, including the 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).
Razor-thin gross spreads and a working-capital-funded balance sheet make tiny execution slips decisive for results.
From FY2024 to FY2025, free cash flow swung from-$2.1M to$4.0M even though operating margin stayed negative, so reported cash improved without a matching repair in underlying economics. Because gross margin still slipped to0.8% and capex was only$3K , the swing looks driven more by working-capital timing than by a stronger core spread.
This is a high-volume, low-spread model: FY2025 revenue of
The balance sheet is short-cycle and thinly cushioned: nearly all liabilities were current, and debt to equity rose from 1.1x in FY2023 to 2.8x in FY2025. Nearly all assets and liabilities sit in current accounts, and with shareholder cushion at
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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 retains $-0 of operating profit per $100 of revenue. This below-average margin results in a low score of 22/100, suggesting thin profitability after operating expenses. 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 52/100.
CBL International Limited has a moderate D/E ratio of 2.81. This balance of debt and equity financing earns a leverage score of 45/100.
CBL International Limited's current ratio of 1.35 is below the typical benchmark, resulting in a score of 22/100. This tight liquidity could limit financial flexibility if cash inflows slow.
CBL International Limited's free cash flow margin of 0.7% results in a low score of 24/100. Capital expenditures of $3K absorb a large share of operating cash flow.
CBL International Limited generates a -15.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is up from -16.9% the prior year.
CBL International Limited passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, CBL International Limited generates $-1.34 in operating cash flow ($4.0M OCF vs -$3.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
CBL International Limited earns $-3.3 in operating income for every $1 of interest expense (-$2.4M vs $744K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
CBL International Limited generated $538.5M in revenue in fiscal year 2025. This represents a decrease of 9.1% from the prior year.
CBL International Limited's EBITDA was -$2.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 31.0% from the prior year.
CBL International Limited reported -$3.0M in net income in fiscal year 2025. This represents an increase of 22.8% from the prior year.
CBL International Limited earned $-0.11 per diluted share (EPS) in fiscal year 2025. This represents an increase of 20.6% from the prior year.
Cash & Balance Sheet
CBL International Limited generated $4.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 291.3% from the prior year.
CBL International Limited held $9.3M in cash against $0 in long-term debt as of fiscal year 2025.
CBL International Limited had 28M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Margins & Returns
CBL International Limited's gross margin was 0.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 0.1 percentage points from the prior year.
CBL International Limited's operating margin was -0.4% in fiscal year 2025, reflecting core business profitability. This is up 0.1 percentage points from the prior year.
CBL International Limited's net profit margin was -0.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.1 percentage points from the prior year.
CBL International Limited's ROE was -15.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.9 percentage points from the prior year.
Capital Allocation
CBL International Limited spent $49K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
CBL International Limited invested $3K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 98.2% from the prior year.
BANL Income Statement
| Metric | Q4'25 | Q4'24 | Q4'23 | Q2'23 | Q4'22 | Q4'21 |
|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Income | N/A | N/A | N/A | N/A | N/A | N/A |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A |
BANL Balance Sheet
| Metric | Q4'25 | Q4'24 | Q4'23 | Q2'23 | Q4'22 | Q4'21 |
|---|---|---|---|---|---|---|
| Total Assets | $75.7M+9.3% | $69.3M+29.6% | $53.5M-0.6% | $53.8M+110.1% | $25.6M-5.2% | $27.0M |
| Current Assets | $75.1M+9.9% | $68.3M+31.1% | $52.1M-1.0% | $52.6M+121.8% | $23.7M-11.2% | $26.7M |
| Cash & Equivalents | $9.3M+16.3% | $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 | N/A |
| Accounts Receivable | $39.0M+6.4% | $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 | N/A |
| Total Liabilities | $55.8M+20.0% | $46.5M+65.2% | $28.2M-1.1% | $28.5M+111.2% | $13.5M-27.4% | $18.6M |
| Current Liabilities | $55.8M+19.9% | $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 | N/A |
| Total Equity | $19.9M-13.2% | $22.9M-9.5% | $25.3M-0.1% | $25.3M+109.0% | $12.1M+43.7% | $8.4M |
| Retained Earnings | $6.1M-32.9% | $9.0M-29.3% | $12.8M-0.1% | $12.8M+9.9% | $11.6M+46.4% | $7.9M |
BANL Cash Flow Statement
| Metric | Q4'25 | Q4'24 | Q4'23 | Q2'23 | Q4'22 | Q4'21 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A |
| Financing Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A |
BANL Financial Ratios
| Metric | Q4'25 | Q4'24 | Q4'23 | Q2'23 | Q4'22 | Q4'21 |
|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Ratio | 1.35-0.1 | 1.47-0.4 | 1.860.0 | 1.86+0.1 | 1.79+0.3 | 1.44 |
| Debt-to-Equity | 2.81+0.8 | 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 | N/A |
Similar Companies
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 Piotroski F-Score?
CBL International Limited (BANL) has a Piotroski F-Score of 3 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 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) has an earnings quality ratio of -1.34x, considered mixed quality. 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 -3.3x, 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 27 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.