Creditriskmonitr Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Creditriskmonitr has an operating margin of 6.3%, meaning the company retains $6 of operating profit per $100 of revenue. This results in a moderate score of 32/100, indicating healthy but not exceptional operating efficiency. This is down from 7.9% the prior year.
Creditriskmonitr's revenue grew a modest 4.6% year-over-year to $19.8M. This slow but positive growth earns a score of 42/100.
Creditriskmonitr carries a low D/E ratio of 1.24, meaning only $1.24 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 65/100, indicating a strong balance sheet with room for future borrowing.
Creditriskmonitr's current ratio of 1.04 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 22/100, which could limit financial flexibility.
Creditriskmonitr has a free cash flow margin of 12.6%, earning a moderate score of 63/100. The company generates positive cash flow after capital investments, but with room for improvement.
Creditriskmonitr's ROE of 15.0% shows moderate profitability relative to equity, earning a score of 60/100. This is down from 18.1% the prior year.
Creditriskmonitr scores 1.01, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($25.1M) relative to total liabilities ($13.8M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Creditriskmonitr passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Creditriskmonitr generates $1.71 in operating cash flow ($2.9M OCF vs $1.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Creditriskmonitr (CRMZ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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
Creditriskmonitr generated $19.8M in revenue in fiscal year 2024. This represents an increase of 4.6% from the prior year.
Creditriskmonitr's EBITDA was $1.7M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 12.0% from the prior year.
Creditriskmonitr generated $2.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 117.7% from the prior year.
Creditriskmonitr reported $1.7M in net income in fiscal year 2024. This represents a decrease of 1.2% from the prior year.
Creditriskmonitr earned $0.16 per diluted share (EPS) in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Creditriskmonitr held $6.7M in cash against $0 in long-term debt as of fiscal year 2024.
Creditriskmonitr had 11M shares outstanding in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Creditriskmonitr's operating margin was 6.3% in fiscal year 2024, reflecting core business profitability. This is down 1.6 percentage points from the prior year.
Creditriskmonitr's net profit margin was 8.5% in fiscal year 2024, showing the share of revenue converted to profit. This is down 0.5 percentage points from the prior year.
Creditriskmonitr's ROE was 15.0% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 3.1 percentage points from the prior year.
Creditriskmonitr invested $379K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 24.6% from the prior year.
CRMZ Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.1M+0.7% | $5.1M+3.9% | $4.9M-3.7% | $5.1M+2.5% | $4.9M+2.6% | $4.8M-1.2% | $4.9M+1.5% | $4.8M |
| Cost of Revenue | N/A | N/A | 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 | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $2.7M+2.7% | $2.6M+6.1% | $2.5M+21.4% | $2.0M-24.0% | $2.7M+5.2% | $2.6M+17.6% | $2.2M-10.9% | $2.4M |
| Operating Income | $127K+5.1% | $121K+378.1% | $25K-97.1% | $862K+3460.5% | -$26K+28.5% | -$36K-106.3% | $571K+86.6% | $306K |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax | $76K+6.1% | $71K+51.5% | $47K-81.1% | $249K+508.8% | $41K+6.2% | $39K-78.0% | $175K+51.5% | $116K |
| Net Income | $245K+6.7% | $230K+44.3% | $159K-81.6% | $867K+570.9% | $129K+1.4% | $127K-78.4% | $590K+55.7% | $379K |
| EPS (Diluted) | $0.020.0% | $0.02+100.0% | $0.01-88.9% | $0.09+800.0% | $0.010.0% | $0.01-80.0% | $0.05+25.0% | $0.04 |
CRMZ Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $25.9M-1.0% | $26.1M+6.9% | $24.4M-1.9% | $24.9M-1.5% | $25.3M+3.5% | $24.4M+1.6% | $24.1M+3.2% | $23.3M |
| Current Assets | $16.9M+11.5% | $15.2M+23.4% | $12.3M-10.4% | $13.7M-33.3% | $20.6M+5.1% | $19.6M+1.7% | $19.2M+0.2% | $19.2M |
| Cash & Equivalents | $6.9M+19.7% | $5.8M-1.0% | $5.8M-12.5% | $6.7M-46.0% | $12.4M+8.2% | $11.4M+3.7% | $11.0M-0.7% | $11.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $3.0M-36.9% | $4.7M+21.0% | $3.9M+7.3% | $3.6M+2.1% | $3.6M-6.2% | $3.8M-3.8% | $3.9M+37.1% | $2.9M |
| Goodwill | $2.0M0.0% | $2.0M0.0% | $2.0M0.0% | $2.0M0.0% | $2.0M0.0% | $2.0M0.0% | $2.0M0.0% | $2.0M |
| Total Liabilities | $13.9M-3.6% | $14.4M+10.2% | $13.1M-4.8% | $13.8M-11.9% | $15.6M+4.7% | $14.9M+1.5% | $14.7M+0.9% | $14.6M |
| Current Liabilities | $13.2M-3.7% | $13.7M+11.1% | $12.3M-6.1% | $13.1M-3.7% | $13.6M+5.9% | $12.9M+1.2% | $12.7M+1.4% | $12.6M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $11.9M+2.3% | $11.7M+3.1% | $11.3M+1.7% | $11.1M+15.2% | $9.7M+1.6% | $9.5M+1.6% | $9.4M+7.1% | $8.8M |
| Retained Earnings | -$18.4M+1.3% | -$18.7M+1.2% | -$18.9M+0.8% | -$19.1M+6.9% | -$20.5M+0.6% | -$20.6M+0.6% | -$20.7M+2.8% | -$21.3M |
CRMZ Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.4M+42.2% | $1.0M+219.5% | -$838K-226.4% | $662K-30.4% | $952K+56.4% | $609K+652.5% | $81K-88.6% | $707K |
| Capital Expenditures | $1K-99.4% | $208K+3370.5% | $6K-94.0% | $101K | $0-100.0% | $197K+26.7% | $156K+379.7% | $32K |
| Free Cash Flow | $1.4M+79.4% | $792K+193.9% | -$844K-250.2% | $562K-41.0% | $952K+131.3% | $412K+650.6% | -$75K-111.1% | $675K |
| Investing Cash Flow | -$283K+75.5% | -$1.2M-374146.0% | $309+100.0% | -$1.9M-17594.9% | -$11K+94.6% | -$198K-20.5% | -$164K-138.0% | -$69K |
| Financing Cash Flow | $0 | N/A | N/A | $0 | N/A | N/A | N/A | N/A |
| Dividends Paid | N/A | N/A | 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 | N/A | N/A |
CRMZ Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 2.5%+0.1pp | 2.4%+1.9pp | 0.5%-16.5pp | 17.0%+17.6pp | -0.5%+0.2pp | -0.8%-12.5pp | 11.7%+5.4pp | 6.4% |
| Net Margin | 4.8%+0.3pp | 4.5%+1.3pp | 3.3%-13.9pp | 17.1%+14.5pp | 2.6%-0.0pp | 2.6%-9.5pp | 12.1%+4.2pp | 7.9% |
| Return on Equity | 2.1%+0.1pp | 2.0%+0.6pp | 1.4%-6.4pp | 7.8%+6.4pp | 1.3%0.0pp | 1.3%-5.0pp | 6.3%+2.0pp | 4.3% |
| Return on Assets | 0.9%+0.1pp | 0.9%+0.2pp | 0.7%-2.8pp | 3.5%+3.0pp | 0.5%0.0pp | 0.5%-1.9pp | 2.5%+0.8pp | 1.6% |
| Current Ratio | 1.28+0.2 | 1.11+0.1 | 0.99-0.0 | 1.04-0.5 | 1.51-0.0 | 1.520.0 | 1.51-0.0 | 1.53 |
| Debt-to-Equity | 1.17-0.1 | 1.24+0.1 | 1.16-0.1 | 1.24-0.4 | 1.62+0.0 | 1.570.0 | 1.57-0.1 | 1.67 |
| FCF Margin | 27.9%+12.2pp | 15.7%+33.0pp | -17.3%-28.4pp | 11.1%-8.2pp | 19.3%+10.7pp | 8.6%+10.1pp | -1.5%-15.6pp | 14.1% |
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Frequently Asked Questions
What is Creditriskmonitr's annual revenue?
Creditriskmonitr (CRMZ) reported $19.8M in total revenue for fiscal year 2024. This represents a 4.6% 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 Creditriskmonitr's revenue growing?
Creditriskmonitr (CRMZ) revenue grew by 4.6% year-over-year, from $18.9M to $19.8M in fiscal year 2024.
Is Creditriskmonitr profitable?
Yes, Creditriskmonitr (CRMZ) reported a net income of $1.7M in fiscal year 2024, with a net profit margin of 8.5%.
What is Creditriskmonitr's earnings per share (EPS)?
Creditriskmonitr (CRMZ) reported diluted earnings per share of $0.16 for fiscal year 2024. This represents a 0.0% 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 Creditriskmonitr's EBITDA?
Creditriskmonitr (CRMZ) had EBITDA of $1.7M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
What is Creditriskmonitr's operating margin?
Creditriskmonitr (CRMZ) had an operating margin of 6.3% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Creditriskmonitr's net profit margin?
Creditriskmonitr (CRMZ) had a net profit margin of 8.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Creditriskmonitr's return on equity (ROE)?
Creditriskmonitr (CRMZ) has a return on equity of 15.0% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Creditriskmonitr's free cash flow?
Creditriskmonitr (CRMZ) generated $2.5M in free cash flow during fiscal year 2024. This represents a 117.7% 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 Creditriskmonitr's operating cash flow?
Creditriskmonitr (CRMZ) generated $2.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Creditriskmonitr's total assets?
Creditriskmonitr (CRMZ) had $24.9M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Creditriskmonitr's capital expenditures?
Creditriskmonitr (CRMZ) invested $379K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Creditriskmonitr have outstanding?
Creditriskmonitr (CRMZ) had 11M shares outstanding as of fiscal year 2024.
What is Creditriskmonitr's current ratio?
Creditriskmonitr (CRMZ) had a current ratio of 1.04 as of fiscal year 2024, which is considered adequate.
What is Creditriskmonitr's debt-to-equity ratio?
Creditriskmonitr (CRMZ) had a debt-to-equity ratio of 1.24 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Creditriskmonitr's return on assets (ROA)?
Creditriskmonitr (CRMZ) had a return on assets of 6.7% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Creditriskmonitr's Altman Z-Score?
Creditriskmonitr (CRMZ) has an Altman Z-Score of 1.01, placing it in the Distress Zone (elevated 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 Creditriskmonitr's Piotroski F-Score?
Creditriskmonitr (CRMZ) has a Piotroski F-Score of 5 out of 9, indicating neutral 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 Creditriskmonitr's earnings high quality?
Creditriskmonitr (CRMZ) has an earnings quality ratio of 1.71x, considered cash-backed (high 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.
How financially healthy is Creditriskmonitr?
Creditriskmonitr (CRMZ) scores 47 out of 100 on our Financial Profile, indicating moderate 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.