What is CREDITRISKMONITOR.COM INC's earnings per share (EPS)?

CREDITRISKMONITOR.COM INC (CRMZ) reported diluted earnings per share of $0.05 for fiscal year 2025. This represents a -58.3% 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.

CREDITRISKMONITOR.COM INC (CRMZ) Financials

CRMZ

Trailing 12 months to June 30, 2026

Revenue $20.3M +1.7% YoY

Net Income -$144K -112.2% YoY

EPS (Diluted) $0.00 -100.0% YoY

Free Cash Flow $632K -41.4% YoY

Market Cap $22.8M as of Oct 15, 2026

Price / Sales 1.1x on $20.3M revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 2.2x on $10.4M equity, Q2 FY2026

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 Oct 15, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 19, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 19, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CRMZ SEC filings page.

CREDITRISKMONITOR.COM INC (CRMZ) reported $20.3M in revenue over the twelve months to Jun 30, 2026, up 1.7% from the prior twelve months. This page shows its 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).

Rhea AI CRMZ FY2025 2026-10-04

Revenue is nearly flat, but rising overhead has pushed operating earnings close to zero while the balance sheet gradually strengthens.

FY2025's cash conversion remained better than its income statement: operating cash flow of $968K exceeded net income of $511K, yet free cash flow fell to $700K from $2.5M in FY2024. That combination suggests reported earnings were not entirely non-cash, but the business converted less of its activity into cash after reinvestment than in the prior year.

Revenue reached $20.1M in FY2025, so the main operating problem was not a sales collapse. Operating margin narrowed to 0.4% while SG&A reached $10.8M, indicating that overhead absorbed nearly all operating contribution from a largely stable top line.

Reported leverage eased to 1.4x in FY2025 while equity rose to $10.9M, giving the balance sheet more capital beneath its obligations. The current ratio recovered to 1.4x after falling below 1.0x in FY2024, so short-term pressure improved even as profitability weakened.

Financial Health Signals

Financial health score not available

CREDITRISKMONITOR.COM INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Altman Z-Score Distress

0.92

CREDITRISKMONITOR.COM INC scores 0.92, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($22.8M) relative to total liabilities ($15.4M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Partial

4/7

CREDITRISKMONITOR.COM INC passes 4 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.89x

For every $1 of reported earnings, CREDITRISKMONITOR.COM INC generates $1.89 in operating cash flow ($968K OCF vs $511K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$5.2M

YoY+2.1%

QoQ+3.6%

5Y CAGR+4.0%

10Y CAGR+5.0%

CREDITRISKMONITOR.COM INC generated $5.2M in revenue in Q2 2026. This represents an increase of 2.1% from the same quarter a year earlier. Against the prior quarter it is up 3.6%.

EBITDA

-$612K

YoY-663.7%

QoQ-278.7%

CREDITRISKMONITOR.COM INC's EBITDA was -$612K in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 663.7% from the same quarter a year earlier. Against the prior quarter it is down 278.7%.

Net Income

-$475K

YoY-450.6%

QoQ-807.4%

CREDITRISKMONITOR.COM INC reported -$475K in net income in Q2 2026. This represents a decrease of 450.6% from the same quarter a year earlier. Against the prior quarter it is down 807.4%.

EPS (Diluted)

-$0.04

YoY-500.0%

CREDITRISKMONITOR.COM INC earned -$0.04 per diluted share (EPS) in Q2 2026. This represents a decrease of 500.0% from the same quarter a year earlier.

Cash & Balance Sheet

Free Cash Flow

$414K

YoY-47.8%

QoQ+177.7%

5Y CAGR-1.2%

10Y CAGR-4.7%

CREDITRISKMONITOR.COM INC generated $414K in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 47.8% from the same quarter a year earlier. Against the prior quarter it is up 177.7%.

Cash & Debt

$9.3M

YoY+61.6%

QoQ+63.4%

5Y CAGR-3.1%

10Y CAGR+0.1%

CREDITRISKMONITOR.COM INC held $9.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

11M

YoY0.0%

QoQ0.0%

5Y CAGR+0.1%

10Y CAGR0.0%

CREDITRISKMONITOR.COM INC had 11M shares outstanding in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Operating Margin

-12.8%

YoY-12.7pp

QoQ-8.5pp

5Y change-22.7pp

10Y change-11.3pp

CREDITRISKMONITOR.COM INC's operating margin was -12.8% in Q2 2026, reflecting core business profitability. This is down 12.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 8.5 percentage points.

Net Margin

-9.2%

YoY-11.9pp

QoQ-8.1pp

5Y change-16.8pp

10Y change-8.5pp

CREDITRISKMONITOR.COM INC's net profit margin was -9.2% in Q2 2026, showing the share of revenue converted to profit. This is down 11.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 8.1 percentage points.

Return on Equity

-4.6%

YoY-5.9pp

QoQ-4.1pp

5Y change-14.5pp

10Y change-4.1pp

CREDITRISKMONITOR.COM INC's ROE was -4.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 5.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

YoY-100.0%

QoQ-100.0%

CREDITRISKMONITOR.COM INC reported no capital expenditure in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

CRMZ 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.

CRMZ quarterly income statement

Metric	TTM	FY2510-K/A	FY2410-K/A	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$20.3M	$20.1M+1.6%	$19.8M+4.6%	$18.9M+5.3%	$18.0M+5.4%	$17.1M+8.5%	$15.7M+8.5%	$14.5M+4.4%	$13.9M+3.8%	$13.4M+4.5%	$12.8M+2.6%	$12.5M+2.3%	$12.2M+3.1%	$11.8M+7.0%	$11.1M+8.9%	$10.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$5.8M+6.2%	$5.4M	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	$8.1M+2.1%	$8.0M	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$11.1M	$10.8M+7.2%	$10.0M+9.0%	$9.2M+2.0%	$9.0M+11.1%	$8.1M-16.3%	$9.7M+16.5%	$8.3M+1.1%	$8.3M+2.7%	$8.0M+7.3%	$7.5M+12.1%	$6.7M+1.8%	$6.6M-0.6%	$6.6M+6.5%	$6.2M+13.5%	$5.5M
Operating Income	-$679K	$81K-89.1%	$736K-50.6%	$1.5M-5.1%	$1.6M-31.7%	$2.3M+1066.7%	-$238K-227.2%	$187K+158.3%	-$321K-15.6%	-$278K-259.3%	$174K-81.0%	$917K+32.5%	$692K+11.8%	$619K-36.5%	$974K-19.6%	$1.2M
EBITDA	N/A	$431K-62.2%	$1.1M-39.3%	$1.9M-4.0%	$2.0M-24.8%	$2.6M+14314.2%	-$18K-104.6%	$394K+400.7%	-$131K-52.6%	-$86K-122.9%	$375K-67.0%	$1.1M+24.3%	$914K+16.1%	$787K-30.0%	$1.1M-18.2%	$1.4M
Income Tax	$69K	$206K-27.1%	$283K-44.8%	$512K+30.7%	$392K-23.1%	$510K+411.0%	-$164K-230.7%	$125K+1075.4%	-$13K+94.7%	-$243K-262.7%	$149K-63.2%	$406K+19.9%	$339K+18.1%	$287K-38.5%	$467K+16.0%	$402K
Net Income	-$144K	$511K-60.9%	$1.3M-22.9%	$1.7M+24.6%	$1.4M-59.6%	$3.4M+7192.2%	-$47K-121.8%	$218K+221.3%	-$179K-1585.8%	$12K-77.0%	$52K-89.8%	$513K+38.5%	$371K+26.2%	$294K-44.6%	$530K-41.7%	$909K
EPS (Basic)	N/A	$0.05-58.3%	$0.12-25.0%	$0.16+23.1%	$0.13-58.1%	$0.31	$0.00-100.0%	$0.02+200.0%	-$0.02	$0.00	$0.00-100.0%	$0.05+25.0%	$0.040.0%	$0.04-42.9%	$0.07-36.4%	$0.11
EPS (Diluted)	$0.00	$0.05-58.3%	$0.12-25.0%	$0.16+23.1%	$0.13-58.1%	$0.31	$0.00-100.0%	$0.02+200.0%	-$0.02	$0.00	$0.00-100.0%	$0.05+66.7%	$0.03	$0.04-33.3%	$0.06-45.5%	$0.11
Diluted Shares (Avg)	N/A	11M+0.5%	11M-0.1%	11M+0.3%	11M0.0%	11M+0.3%	11M0.0%	11M0.0%	11M0.0%	11M-0.5%	11M-0.1%	11M+0.8%	11M	8M0.0%	8M-0.8%	8M

Metric	Q2'2610-Q	Q1'2610-Q/A	Q4'2510-Q	Q3'2510-Q/A	Q2'2510-Q	Q1'2510-Q/A	Q4'2410-K/A	Q3'2410-Q/A
Revenue	$5.2M+2.1%	$5.0M+2.4%	$5.1M+0.8%	$5.1M+1.7%	$5.1M+2.5%	$4.9M+1.3%	$5.1M+4.0%	$5.0M+4.5%
SG&A Expenses	$3.0M+10.4%	$2.6M+0.5%	$2.6M+7.1%	$2.8M+17.4%	$2.8M+2.7%	$2.6M+2.3%	$2.4M+11.4%	$2.4M-2.0%
Operating Income	-$664K-7763.9%	-$215K-93.7%	$184K-61.9%	$16K-94.8%	-$8K+67.1%	-$111K-210.3%	$483K-15.4%	$315K+2.8%
EBITDA	-$612K-663.7%	-$162K-533.8%	$253K-57.4%	$95K-77.0%	$109K+44.3%	-$26K-144.5%	$594K-10.9%	$412K+2.4%
Income Tax	-$50K-605.6%	-$22K-141.3%	$86K+224.3%	$55K-68.7%	$10K-75.8%	$54K+41.4%	$27K-84.8%	$177K+52.9%
Net Income	-$475K-450.6%	-$52K-570.0%	$258K-61.0%	$125K-67.6%	$135K+4.8%	-$8K-106.1%	$663K+12.4%	$387K+2.2%
EPS (Basic)	-$0.04-500.0%	$0.00	$0.03-66.7%	$0.01-75.0%	$0.010.0%	$0.00-100.0%	$0.09+50.0%	$0.040.0%
EPS (Diluted)	-$0.04-500.0%	$0.00	$0.03-66.7%	$0.01-75.0%	$0.010.0%	$0.00-100.0%	$0.09+50.0%	$0.040.0%
Diluted Shares (Avg)	11M-0.8%	11M+0.4%	N/A	11M+0.7%	11M+0.9%	11M-0.4%	N/A	11M-0.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Interest Expense.

CRMZ Balance Sheet

CRMZ quarterly balance sheet

Metric	FY2510-K/A	FY2410-K/A	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$26.3M+5.6%	$24.9M+3.5%	$24.1M+7.1%	$22.5M+10.0%	$20.4M+9.3%	$18.7M+17.1%	$16.0M+17.2%	$13.6M-1.5%	$13.8M-2.7%	$14.2M+2.7%	$13.8M+0.2%	$13.8M+8.4%	$12.7M+0.2%	$12.7M+1.1%	$12.6M
Current Assets	$21.8M+59.0%	$13.7M-28.7%	$19.2M+6.5%	$18.1M+14.5%	$15.8M+13.4%	$13.9M+25.1%	$11.1M+0.3%	$11.1M-2.8%	$11.4M-3.3%	$11.8M+3.1%	$11.4M-0.4%	$11.5M+11.1%	$10.3M-1.3%	$10.5M+1.8%	$10.3M
Cash & Equivalents	$6.2M-6.4%	$6.7M-39.4%	$11.0M+11.5%	$9.9M-20.3%	$12.4M+20.2%	$10.3M+24.5%	$8.3M+2.6%	$8.1M-7.7%	$8.7M-5.3%	$9.2M+5.8%	$8.7M+15.8%	$7.5M+13.2%	$6.6M+3.5%	$6.4M-1.7%	$6.5M
Short-Term Investments	$10.6M+330.4%	$2.5M-29.4%	$3.5M-13.2%	$4.0M	$0-100.0%	$458K	$0	$0	$0	$0-100.0%	$245K-82.0%	$1.4M-2.5%	$1.4M-19.0%	$1.7M-1.6%	$1.8M
Accounts Receivable	$3.8M+4.3%	$3.6M-6.9%	$3.9M+11.4%	$3.5M+24.9%	$2.8M+9.6%	$2.6M+11.8%	$2.3M-6.8%	$2.5M+14.7%	$2.1M+2.3%	$2.1M+8.5%	$1.9M-7.3%	$2.1M+21.7%	$1.7M-3.9%	$1.8M+14.5%	$1.6M
Long-Term Investments	$2.0M-77.2%	$8.8M+1151.1%	$700K	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$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	$15.4M+4.6%	$14.8M+0.4%	$14.7M-1.3%	$14.9M+4.2%	$14.3M-10.6%	$16.0M+20.5%	$13.3M+24.5%	$10.7M+4.1%	$10.2M0.0%	$10.2M+7.6%	$9.5M-2.1%	$9.7M+9.9%	$8.8M+0.8%	$8.8M+12.9%	$7.8M
Current Liabilities	$15.2M+5.6%	$14.4M+13.1%	$12.7M+0.7%	$12.6M+7.1%	$11.8M-9.6%	$13.1M+27.0%	$10.3M+3.2%	$10.0M+2.7%	$9.7M+2.5%	$9.5M+8.1%	$8.8M-2.5%	$9.0M+11.4%	$8.1M-1.5%	$8.2M+7.4%	$7.6M
Non-Current Liabilities	$234K-34.8%	$359K-81.8%	$2.0M-12.7%	$2.3M-9.3%	$2.5M-14.9%	$2.9M-1.9%	$3.0M+331.0%	$693K+30.7%	$530K-31.6%	$775K+1.5%	$764K+2.3%	$746K-5.3%	$788K+32.1%	$597K+270.3%	$161K
Total Equity	$10.9M+6.9%	$10.2M+16.1%	$8.8M+15.6%	$7.6M+23.5%	$6.1M+126.9%	$2.7M+0.3%	$2.7M-8.9%	$3.0M-17.4%	$3.6M-9.7%	$4.0M-8.0%	$4.3M+7.5%	$4.0M+3.1%	$3.9M+1.5%	$3.8M-20.0%	$4.8M
Retained Earnings	-$19.5M+2.5%	-$20.1M+6.1%	-$21.4M+4.8%	-$22.4M+5.7%	-$23.8M+12.4%	-$27.2M-0.2%	-$27.1M-1.2%	-$26.8M-2.7%	-$26.1M-2.1%	-$25.6M-1.9%	-$25.1M+0.5%	-$25.2M-0.2%	-$25.1M-0.8%	-$24.9M-4.4%	-$23.9M

Metric	Q2'2610-Q	Q1'2610-Q/A	Q4'2510-Q	Q3'2510-Q/A	Q2'2510-Q	Q1'2510-Q/A	Q4'2410-K/A	Q3'2410-Q/A
Total Assets	$25.8M-1.1%	$25.2M+3.2%	$26.3M+5.6%	$25.9M+0.5%	$26.1M+3.3%	$24.4M-0.1%	$24.9M+3.5%	$25.7M+10.3%
Current Assets	$22.4M+47.8%	$21.7M+76.8%	$21.8M+59.0%	$16.9M+13.7%	$15.2M-26.3%	$12.3M-37.2%	$13.7M-28.7%	$14.9M-22.6%
Cash & Equivalents	$9.3M+61.6%	$5.7M-2.1%	$6.2M-6.4%	$6.9M-12.3%	$5.8M-53.2%	$5.8M-48.9%	$6.7M-39.4%	$7.9M-28.9%
Short-Term Investments	$8.5M+126.6%	$11.7M+684.6%	$10.6M+330.4%	$6.1M+145.7%	$3.8M+4.4%	$1.5M-57.9%	$2.5M-29.4%	$2.5M-40.1%
Accounts Receivable	$3.6M-22.7%	$3.2M-17.6%	$3.8M+4.3%	$3.0M-16.5%	$4.7M+32.5%	$3.9M+2.7%	$3.6M-6.9%	$3.6M+24.0%
Long-Term Investments	$971K-88.6%	$971K-90.1%	$2.0M-77.2%	$6.5M-6.2%	$8.5M+1115.7%	$9.8M+1297.7%	$8.8M+1151.1%	$6.9M
Goodwill	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%
Total Liabilities	$15.4M+6.9%	$14.4M+9.7%	$15.4M+4.6%	$15.3M-1.2%	$14.4M-7.5%	$13.1M-12.2%	$14.8M+0.4%	$15.5M+6.2%
Current Liabilities	$15.3M+11.4%	$14.1M+14.5%	$15.2M+5.6%	$14.8M+9.5%	$13.7M+0.5%	$12.3M-4.2%	$14.4M+13.1%	$13.6M+7.9%
Non-Current Liabilities	$171K-76.9%	$247K-67.7%	$234K-34.8%	$448K-76.8%	$742K-62.6%	$766K-62.6%	$359K-81.8%	$1.9M-4.3%
Total Equity	$10.4M-0.3%	$10.8M+6.5%	$10.9M+6.9%	$10.6M+15.6%	$10.4M+19.3%	$10.2M+6.9%	$10.2M+16.1%	$9.2M+4.6%
Retained Earnings	-$20.1M-0.7%	-$19.6M+2.3%	-$19.5M+2.5%	-$19.8M+5.8%	-$19.9M+7.0%	-$20.1M+2.7%	-$20.1M+6.1%	-$21.0M+1.4%

Not reported in any period shown, so not listed: Inventory, Long-Term Debt.

CRMZ Cash Flow Statement

CRMZ quarterly cash flow statement

Metric	TTM	FY2510-K/A	FY2410-K/A	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$767K	$968K-66.3%	$2.9M+98.2%	$1.4M-16.9%	$1.7M-11.8%	$2.0M+63.2%	$1.2M+36.7%	$886K+438.7%	$165K-33.6%	$248K-76.1%	$1.0M+41.7%	$731K-45.0%	$1.3M+89.6%	$701K-54.8%	$1.5M-17.6%	$1.9M
Depreciation & Amortization	N/A	$350K-12.9%	$402K+4.8%	$384K+0.4%	$382K+29.0%	$296K+34.8%	$220K+6.1%	$207K+9.0%	$190K-0.9%	$192K-4.1%	$200K-8.5%	$219K-1.3%	$221K+31.8%	$168K+12.0%	$150K-7.6%	$162K
Stock-Based Compensation	N/A	$97K-1.5%	$99K-4.0%	$103K+28.2%	$80K+26.3%	$64K+16.1%	$55K-0.1%	$55K-39.6%	$91K-35.2%	$140K+0.5%	$140K+9.3%	$128K+1.8%	$126K-14.2%	$146K-2.8%	$150K+10.4%	$136K
Capital Expenditures	$135K	$268K-29.2%	$379K+24.6%	$304K+17.8%	$258K-27.7%	$357K+24.1%	$288K+103.3%	$141K-52.3%	$297K+49.2%	$199K-15.5%	$235K-14.8%	$276K+102.9%	$136K-58.8%	$331K+218.8%	$104K-1.2%	$105K
Free Cash Flow	$632K	$700K-71.9%	$2.5M+117.7%	$1.1M-22.9%	$1.5M-8.3%	$1.6M+75.4%	$924K+24.0%	$745K+663.9%	-$132K-370.1%	$49K-93.9%	$800K+76.0%	$455K-61.9%	$1.2M+222.1%	$370K-74.4%	$1.4M-18.6%	$1.8M
Investing Cash Flow	$2.8M	-$1.5M+79.3%	-$7.2M-2215.9%	-$311K+92.7%	-$4.3M-4299.8%	$101K+113.6%	-$746K-427.7%	-$141K+52.3%	-$297K-49.2%	-$199K-4095.4%	$5K	N/A	N/A	-$93K+20.3%	-$117K+81.1%	-$617K
Financing Cash Flow	N/A	$97K	$0	N/A	N/A	$0-100.0%	$1.6M+391.3%	-$536K0.0%	-$536K0.0%	-$536K0.0%	-$536K	N/A	N/A	-$381K+75.3%	-$1.5M-311.4%	-$375K

Metric	Q2'2610-Q	Q1'2610-Q/A	Q4'2510-Q	Q3'2510-Q/A	Q2'2510-Q	Q1'2510-Q/A	Q4'2410-K/A	Q3'2410-Q/A
Operating Cash Flow	$414K-58.6%	-$452K+46.0%	-$617K-193.2%	$1.4M+119.3%	$1.0M+5.1%	-$838K-237.6%	$662K+718.8%	$649K-8.2%
Depreciation & Amortization	$52K-55.8%	$54K-37.2%	$69K-37.6%	$78K-19.7%	$117K+16.0%	$86K-8.0%	$110K+15.7%	$98K+1.3%
Stock-Based Compensation	$37K+59.4%	$26K-5.9%	N/A	$23K-13.4%	$23K+2.5%	$27K+9.2%	N/A	$26K+17.7%
Capital Expenditures	$0-100.0%	$81K+1245.1%	$53K-47.7%	$1K-98.3%	$208K	$6K-97.0%	$101K-35.3%	$81K+149.0%
Free Cash Flow	$414K-47.8%	-$533K+36.8%	-$670K-219.3%	$1.4M+150.2%	$792K-16.8%	-$844K-305.0%	$562K+851.7%	$568K-15.8%
Investing Cash Flow	$3.2M+377.6%	-$81K-26218.8%	-$53K+97.2%	-$283K+94.5%	-$1.2M-10801.7%	$309+100.2%	-$1.9M-1043.9%	-$5.1M-7327.2%
Financing Cash Flow	N/A	N/A	$0	$0	N/A	N/A	$0	$0

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

CRMZ 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.

CRMZ quarterly financial ratios

Metric	FY2510-K/A	FY2410-K/A	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	58.5%-1.0pp	59.5%	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	0.4%-3.3pp	3.7%-4.2pp	7.9%-0.9pp	8.7%-4.7pp	13.5%+15.0pp	-1.5%-2.8pp	1.3%+3.6pp	-2.3%-0.2pp	-2.1%-3.4pp	1.4%-6.0pp	7.3%+1.7pp	5.7%+0.4pp	5.2%-3.6pp	8.8%-3.1pp	11.9%
Net Margin	2.5%-4.1pp	6.6%-2.3pp	8.9%+1.4pp	7.6%-12.1pp	19.7%+20.0pp	-0.3%-1.8pp	1.5%+2.8pp	-1.3%-1.4pp	0.1%-0.3pp	0.4%-3.7pp	4.1%+1.1pp	3.0%+0.6pp	2.5%-2.3pp	4.8%-4.2pp	8.9%
Return on Equity	4.7%-8.2pp	12.9%-6.5pp	19.4%+1.4pp	18.0%-36.9pp	54.9%+56.6pp	-1.8%-9.8pp	8.1%+14.1pp	-6.1%-6.4pp	0.3%-1.0pp	1.3%-10.6pp	11.9%+2.7pp	9.2%+1.7pp	7.5%-6.3pp	13.8%-5.1pp	19.0%
Return on Assets	1.9%-3.3pp	5.2%-1.8pp	7.0%+1.0pp	6.0%-10.4pp	16.5%+16.7pp	-0.3%-1.6pp	1.4%+2.7pp	-1.3%-1.4pp	0.1%-0.3pp	0.4%-3.3pp	3.7%+1.0pp	2.7%+0.4pp	2.3%-1.9pp	4.2%-3.1pp	7.2%
Current Ratio	1.43+0.5x	0.95-0.6x	1.51+0.1x	1.43+0.1x	1.34+0.3x	1.060.0x	1.080.0x	1.11-0.1x	1.17-0.1x	1.25-0.1x	1.310.0x	1.280.0x	1.280.0x	1.28-0.1x	1.35
Debt-to-Equity	1.420.0x	1.45-0.2x	1.68-0.3x	1.97-0.4x	2.33-3.6x	5.92+1.0x	4.92+1.3x	3.60+0.7x	2.86+0.3x	2.58+0.4x	2.21-0.2x	2.43+0.2x	2.270.0x	2.29+0.7x	1.62
Asset Turnover	0.770.0x	0.800.0x	0.790.0x	0.800.0x	0.840.0x	0.84-0.1x	0.91-0.1x	1.02+0.1x	0.97+0.1x	0.900.0x	0.900.0x	0.880.0x	0.93+0.1x	0.87+0.1x	0.81
FCF Margin	3.5%-9.1pp	12.6%+6.5pp	6.0%-2.2pp	8.3%-1.2pp	9.5%+3.6pp	5.9%+0.7pp	5.1%+6.1pp	-0.9%-1.3pp	0.4%-5.9pp	6.2%+2.6pp	3.6%-6.1pp	9.8%+6.7pp	3.1%-9.9pp	13.1%-4.4pp	17.5%

Metric	Q2'2610-Q	Q1'2610-Q/A	Q4'2510-Q	Q3'2510-Q/A	Q2'2510-Q	Q1'2510-Q/A	Q4'2410-K/A	Q3'2410-Q/A
Operating Margin	-12.8%-12.7pp	-4.3%-2.0pp	3.6%-5.9pp	0.3%-6.0pp	-0.2%+0.3pp	-2.3%-1.5pp	9.6%-2.2pp	6.3%-0.1pp
Net Margin	-9.2%-11.9pp	-1.1%-0.9pp	5.1%-8.0pp	2.5%-5.3pp	2.7%+0.1pp	-0.2%-2.8pp	13.1%+1.0pp	7.7%-0.2pp
Return on Equity	-4.6%-5.9pp	-0.5%-0.4pp	2.4%-4.1pp	1.2%-3.0pp	1.3%-0.2pp	-0.1%-1.4pp	6.5%-0.2pp	4.2%-0.1pp
Return on Assets	-1.8%-2.4pp	-0.2%-0.2pp	1.0%-1.7pp	0.5%-1.0pp	0.5%0.0pp	0.0%-0.5pp	2.7%+0.2pp	1.5%-0.1pp
Current Ratio	1.47+0.4x	1.54+0.5x	1.43+0.5x	1.140.0x	1.11-0.4x	0.99-0.5x	0.95-0.6x	1.10-0.4x
Debt-to-Equity	1.49+0.1x	1.330.0x	1.420.0x	1.45-0.2x	1.39-0.4x	1.29-0.3x	1.45-0.2x	1.690.0x
Asset Turnover	0.200.0x	0.200.0x	0.190.0x	0.200.0x	0.190.0x	0.200.0x	0.200.0x	0.190.0x
FCF Margin	8.0%-7.6pp	-10.7%+6.6pp	-13.2%-24.3pp	27.9%+16.6pp	15.7%-3.6pp	-17.3%-25.9pp	11.1%+12.7pp	11.3%-2.7pp

Not reported in any period shown, so not listed: Gross 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
CREDITRISKMONITOR.COM INC CRMZ	FY2025	$20.1M	$511K	2.5%	$22.8M	—
PAID INC PAYD	FY2025	$20.7M	-$368K	-1.8%	$21.6M	—
UPAY INC UPYY	FY2026	$746K	-$1.4M	N/A	$15.9M	—

Where CREDITRISKMONITOR.COM INC Ranks

Frequently Asked Questions

What is CREDITRISKMONITOR.COM INC's annual revenue?

CREDITRISKMONITOR.COM INC (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 CREDITRISKMONITOR.COM INC's revenue growing?

CREDITRISKMONITOR.COM INC (CRMZ) revenue grew by 1.6% year-over-year, from $19.8M to $20.1M in fiscal year 2025.

Is CREDITRISKMONITOR.COM INC profitable?

Yes, CREDITRISKMONITOR.COM INC (CRMZ) reported a net income of $511K in fiscal year 2025, with a net profit margin of 2.5%.

What is CREDITRISKMONITOR.COM INC's EBITDA?

CREDITRISKMONITOR.COM INC (CRMZ) had EBITDA of $431K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is CREDITRISKMONITOR.COM INC's operating margin?

CREDITRISKMONITOR.COM INC (CRMZ) had an operating margin of 0.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is CREDITRISKMONITOR.COM INC's net profit margin?

CREDITRISKMONITOR.COM INC (CRMZ) had a net profit margin of 2.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is CREDITRISKMONITOR.COM INC's return on equity (ROE)?

CREDITRISKMONITOR.COM INC (CRMZ) has a return on equity of 4.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is CREDITRISKMONITOR.COM INC's free cash flow?

CREDITRISKMONITOR.COM INC (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 CREDITRISKMONITOR.COM INC's operating cash flow?

CREDITRISKMONITOR.COM INC (CRMZ) generated $968K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are CREDITRISKMONITOR.COM INC's total assets?

CREDITRISKMONITOR.COM INC (CRMZ) had $26.3M in total assets as of fiscal year 2025, including both current and long-term assets.

What are CREDITRISKMONITOR.COM INC's capital expenditures?

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

How many shares does CREDITRISKMONITOR.COM INC have outstanding?

CREDITRISKMONITOR.COM INC (CRMZ) had 11M shares outstanding as of fiscal year 2025.

What is CREDITRISKMONITOR.COM INC's current ratio?

CREDITRISKMONITOR.COM INC (CRMZ) had a current ratio of 1.43 as of fiscal year 2025, which is considered adequate.

What is CREDITRISKMONITOR.COM INC's debt-to-equity ratio?

CREDITRISKMONITOR.COM INC (CRMZ) had a debt-to-equity ratio of 1.42 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is CREDITRISKMONITOR.COM INC's return on assets (ROA)?

CREDITRISKMONITOR.COM INC (CRMZ) had a return on assets of 1.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is CREDITRISKMONITOR.COM INC's P/E ratio?

CREDITRISKMONITOR.COM INC (CRMZ) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $22.8M as of Oct 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CREDITRISKMONITOR.COM INC's price-to-sales ratio?

CREDITRISKMONITOR.COM INC (CRMZ) trades at 1.1x sales, its market capitalization divided by revenue of $20.3M revenue, trailing 12 months to June 30, 2026. The market capitalization is $22.8M as of Oct 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is CREDITRISKMONITOR.COM INC's Altman Z-Score?

CREDITRISKMONITOR.COM INC (CRMZ) has an Altman Z-Score of 0.92, 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 CREDITRISKMONITOR.COM INC's Piotroski F-Score?

CREDITRISKMONITOR.COM INC (CRMZ) has a Piotroski F-Score of 4 out of 7 computable signals; 2 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 CREDITRISKMONITOR.COM INC's earnings high quality?

CREDITRISKMONITOR.COM INC (CRMZ) has an earnings quality ratio of 1.89x, 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.