What is Creditriskmonitr's earnings per share (EPS)?

Creditriskmonitr (CRMZ) reported diluted earnings per share of $0.09 for fiscal year 2025. This represents a -43.8% 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.

Creditriskmonitr Financials

CRMZ

Source SEC Filings (10-K/10-Q) Updated Mar 24, 2026 Currency USD FYE March

This page shows Creditriskmonitr (CRMZ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).

Financial Health Signals

Earnings Quality Mixed

0.95x

For every $1 of reported earnings, Creditriskmonitr generates $0.95 in operating cash flow ($968K OCF vs $1.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$20.1M

YoY+1.6%

5Y CAGR+5.0%

10Y CAGR+4.9%

Creditriskmonitr generated $20.1M in revenue in fiscal year 2025. This represents an increase of 1.6% from the prior year.

EBITDA

$932K

YoY-43.6%

10Y CAGR-2.0%

Creditriskmonitr's EBITDA was $932K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 43.6% from the prior year.

Net Income

$1.0M

YoY-39.2%

10Y CAGR+7.1%

Creditriskmonitr reported $1.0M in net income in fiscal year 2025. This represents a decrease of 39.2% from the prior year.

EPS (Diluted)

$0.09

YoY-43.8%

10Y CAGR+6.1%

Creditriskmonitr earned $0.09 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 43.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$700K

YoY-71.9%

5Y CAGR-5.4%

10Y CAGR+4.4%

Creditriskmonitr generated $700K in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 71.9% from the prior year.

Cash & Debt

N/A

Dividends Per Share

N/A

Shares Outstanding

11M

YoY+0.4%

5Y CAGR+0.1%

10Y CAGR+0.0%

Creditriskmonitr had 11M shares outstanding in fiscal year 2025. This represents an increase of 0.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

2.9%

YoY-3.4pp

5Y CAGR+4.4pp

10Y CAGR-4.5pp

Creditriskmonitr's operating margin was 2.9% in fiscal year 2025, reflecting core business profitability. This is down 3.4 percentage points from the prior year.

Net Margin

5.1%

YoY-3.4pp

5Y CAGR+5.4pp

10Y CAGR+1.0pp

Creditriskmonitr's net profit margin was 5.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.4 percentage points from the prior year.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$268K

YoY-29.2%

5Y CAGR-1.4%

10Y CAGR-0.3%

Creditriskmonitr invested $268K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 29.2% from the prior year.

CRMZ Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$20.1M+1.6%	$19.8M+4.6%	$18.9M+5.3%	$18.0M+5.4%	$17.1M+8.5%	$15.7M
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	$10.3M+7.7%	$9.5M+3.4%	$9.2M+2.0%	$9.0M+11.1%	$8.1M-16.3%	$9.7M
Operating Income	$582K-53.4%	$1.2M-16.3%	$1.5M-5.1%	$1.6M-31.7%	$2.3M+1066.7%	-$238K
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$310K-37.1%	$493K-3.7%	$512K+30.7%	$392K-23.1%	$510K+411.0%	-$164K
Net Income	$1.0M-39.2%	$1.7M-1.2%	$1.7M+24.6%	$1.4M-59.6%	$3.4M+7192.2%	-$47K
EPS (Diluted)	$0.09-43.8%	$0.160.0%	$0.16+23.1%	$0.13-58.1%	$0.31	$0.00

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$5.1M+0.7%	$5.1M+3.9%	$4.9M-3.7%	$5.1M+1.0%	$5.0M+1.5%	$4.9M+2.6%	$4.8M-1.2%	$4.9M
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-9.6%	$2.3M-16.0%	$2.7M+5.2%	$2.6M+17.6%	$2.2M
Operating Income	$127K+5.1%	$121K+378.1%	$25K-97.1%	$862K+91.8%	$449K+1851.9%	-$26K+28.5%	-$36K-106.3%	$571K
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+51.1%	$165K+302.8%	$41K+6.2%	$39K-78.0%	$175K
Net Income	$245K+6.7%	$230K+44.3%	$159K-81.6%	$867K+57.1%	$552K+327.0%	$129K+1.4%	$127K-78.4%	$590K
EPS (Diluted)	$0.020.0%	$0.02+100.0%	$0.01	N/A	$0.05+400.0%	$0.010.0%	$0.01	N/A

CRMZ Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$24.9M+3.5%	$24.1M+7.1%	$22.5M+10.0%	$20.4M+9.3%	$18.7M
Current Assets	N/A	$13.7M-28.7%	$19.2M+6.5%	$18.1M+14.5%	$15.8M+13.4%	$13.9M
Cash & Equivalents	N/A	$6.7M-39.4%	$11.0M+11.5%	$9.9M-20.3%	$12.4M+20.2%	$10.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	$3.6M-7.9%	$3.9M+12.6%	$3.5M+24.9%	$2.8M+9.6%	$2.6M
Goodwill	N/A	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M
Total Liabilities	N/A	$13.8M-6.4%	$14.7M-1.3%	$14.9M+4.2%	$14.3M-10.6%	$16.0M
Current Liabilities	N/A	$13.1M+3.2%	$12.7M+0.7%	$12.6M+7.1%	$11.8M-9.6%	$13.1M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	N/A	$11.1M+18.9%	$9.4M+23.8%	$7.6M+23.5%	$6.1M+126.9%	$2.7M
Retained Earnings	N/A	-$19.1M+8.1%	-$20.7M+7.6%	-$22.4M+5.7%	-$23.8M+12.4%	-$27.2M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$25.9M-1.0%	$26.1M+6.9%	$24.4M-1.9%	$24.9M-3.2%	$25.7M+1.7%	$25.3M+3.5%	$24.4M+1.6%	$24.1M
Current Assets	$16.9M+11.5%	$15.2M+23.4%	$12.3M-10.4%	$13.7M-7.7%	$14.9M-27.7%	$20.6M+5.1%	$19.6M+1.7%	$19.2M
Cash & Equivalents	$6.9M+19.7%	$5.8M-1.0%	$5.8M-12.5%	$6.7M-15.4%	$7.9M-36.2%	$12.4M+8.2%	$11.4M+3.7%	$11.0M
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+1.8%	$3.6M+0.2%	$3.6M-6.2%	$3.8M-3.8%	$3.9M
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-11.0%	$15.5M-0.9%	$15.6M+4.7%	$14.9M+1.5%	$14.7M
Current Liabilities	$13.2M-3.7%	$13.7M+11.1%	$12.3M-6.1%	$13.1M-3.0%	$13.6M-0.7%	$13.6M+5.9%	$12.9M+1.2%	$12.7M
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+8.7%	$10.2M+6.0%	$9.7M+1.6%	$9.5M+1.6%	$9.4M
Retained Earnings	-$18.4M+1.3%	-$18.7M+1.2%	-$18.9M+0.8%	-$19.1M+4.3%	-$19.9M+2.7%	-$20.5M+0.6%	-$20.6M+0.6%	-$20.7M

CRMZ Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$968K-66.3%	$2.9M+98.2%	$1.4M-16.9%	$1.7M-11.8%	$2.0M+63.2%	$1.2M
Capital Expenditures	$268K-29.2%	$379K+24.6%	$304K+17.8%	$258K-27.7%	$357K+24.1%	$288K
Free Cash Flow	$700K-71.9%	$2.5M+117.7%	$1.1M-22.9%	$1.5M-8.3%	$1.6M+75.4%	$924K
Investing Cash Flow	-$1.5M+79.3%	-$7.2M-2215.9%	-$311K+92.7%	-$4.3M-4299.8%	$101K+113.6%	-$746K
Financing Cash Flow	$97K	N/A	N/A	N/A	$0-100.0%	$1.6M
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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.4M+42.2%	$1.0M+219.5%	-$838K-226.4%	$662K+2.1%	$649K-31.8%	$952K+56.4%	$609K+652.5%	$81K
Capital Expenditures	$1K-99.4%	$208K+3370.5%	$6K-94.0%	$101K+24.6%	$81K	$0-100.0%	$197K+26.7%	$156K
Free Cash Flow	$1.4M+79.4%	$792K+193.9%	-$844K-250.2%	$562K-1.1%	$568K-40.3%	$952K+131.3%	$412K+650.6%	-$75K
Investing Cash Flow	-$283K+75.5%	-$1.2M-374146.0%	$309+100.0%	-$1.9M+63.3%	-$5.1M-48175.4%	-$11K+94.6%	-$198K-20.5%	-$164K
Financing Cash Flow	$0	N/A	N/A	N/A	$0	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	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	2.9%-3.4pp	6.3%-1.6pp	7.9%-0.9pp	8.7%-4.7pp	13.5%+15.0pp	-1.5%
Net Margin	5.1%-3.4pp	8.5%-0.5pp	8.9%+1.4pp	7.6%-12.1pp	19.7%+20.0pp	-0.3%
Return on Equity	N/A	15.0%-3.1pp	18.1%+0.1pp	18.0%-36.9pp	54.9%+56.6pp	-1.8%
Return on Assets	N/A	6.7%-0.3pp	7.0%+1.0pp	6.0%-10.4pp	16.5%+16.7pp	-0.3%
Current Ratio	N/A	1.04-0.5	1.51+0.1	1.43+0.1	1.34+0.3	1.06
Debt-to-Equity	N/A	1.24-0.3	1.57-0.4	1.97-0.4	2.33-3.6	5.92
FCF Margin	3.5%-9.1pp	12.6%+6.5pp	6.0%-2.2pp	8.3%-1.2pp	9.5%+3.6pp	5.9%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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%+8.1pp	9.0%+9.5pp	-0.5%+0.2pp	-0.8%-12.5pp	11.7%
Net Margin	4.8%+0.3pp	4.5%+1.3pp	3.3%-13.9pp	17.1%+6.1pp	11.0%+8.4pp	2.6%-0.0pp	2.6%-9.5pp	12.1%
Return on Equity	2.1%+0.1pp	2.0%+0.6pp	1.4%-6.4pp	7.8%+2.4pp	5.4%+4.0pp	1.3%0.0pp	1.3%-5.0pp	6.3%
Return on Assets	0.9%+0.1pp	0.9%+0.2pp	0.7%-2.8pp	3.5%+1.3pp	2.1%+1.6pp	0.5%0.0pp	0.5%-1.9pp	2.5%
Current Ratio	1.28+0.2	1.11+0.1	0.99-0.0	1.04-0.1	1.10-0.4	1.51-0.0	1.520.0	1.51
Debt-to-Equity	1.17-0.1	1.24+0.1	1.16-0.1	1.24-0.3	1.51-0.1	1.62+0.0	1.570.0	1.57
FCF Margin	27.9%+12.2pp	15.7%+33.0pp	-17.3%-28.4pp	11.1%-0.2pp	11.3%-7.9pp	19.3%+10.7pp	8.6%+10.1pp	-1.5%

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Frequently Asked Questions

What is Creditriskmonitr's annual revenue?

Creditriskmonitr (CRMZ) reported $20.1M in total revenue for fiscal year 2025. This represents a 1.6% 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 1.6% year-over-year, from $19.8M to $20.1M in fiscal year 2025.

Is Creditriskmonitr profitable?

Yes, Creditriskmonitr (CRMZ) reported a net income of $1.0M in fiscal year 2025, with a net profit margin of 5.1%.

What is Creditriskmonitr's EBITDA?

Creditriskmonitr (CRMZ) had EBITDA of $932K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Creditriskmonitr's operating margin?

Creditriskmonitr (CRMZ) had an operating margin of 2.9% in fiscal year 2025, 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 5.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Creditriskmonitr's free cash flow?

Creditriskmonitr (CRMZ) generated $700K in free cash flow during fiscal year 2025. This represents a -71.9% 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 $968K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Creditriskmonitr's capital expenditures?

Creditriskmonitr (CRMZ) invested $268K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Creditriskmonitr have outstanding?

Creditriskmonitr (CRMZ) had 11M shares outstanding as of fiscal year 2025.

Are Creditriskmonitr's earnings high quality?

Creditriskmonitr (CRMZ) has an earnings quality ratio of 0.95x, 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.