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) Data as of Mar 31, 2026 Currency USD FYE December

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).

Rhea AI CRMZ FY2025 2026-05-12

Incremental sales are being absorbed by rising overhead, leaving a financially steadier business that earns far less from each new dollar.

From FY2021 to FY2025, revenue growth was only 17.9% while SG&A rose 26.2%, so the company added volume without getting the usual benefit of scale. That mismatch is the hidden reason operating margin fell from 13.5% to 2.9%: more of each sales dollar is now consumed by the cost of running the platform.

Cash conversion weakened sharply in FY2025: free cash flow was $700K after reaching $2.5M in FY2024. Because capital spending remained light, the shortfall came from weaker operating cash rather than from heavy reinvestment, which makes the earnings stream look less cash-rich than the income statement alone suggests.

Balance-sheet pressure has eased even though the cash balance is smaller than it was several years ago. Leverage improved from 2.3x to 1.1x as book equity accumulated faster than liabilities. Separately, the current ratio recovered to 1.6x after sitting near 1.0x in FY2024, so near-term obligations no longer look as tight as they did a year earlier.

Financial Health Signals

Financial health score pending refresh

We are recalculating Creditriskmonitr's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Altman Z-Score Distress

1.29

Creditriskmonitr scores 1.29, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($23.7M) relative to total liabilities ($13.9M). 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

3/7

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

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

$6.2M

YoY-6.4%

5Y CAGR-9.5%

10Y CAGR-3.3%

Creditriskmonitr held $6.2M in cash against $0 in long-term debt as of fiscal year 2025.

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

8.2%

YoY-6.8pp

5Y CAGR+10.0pp

10Y CAGR-3.7pp

Creditriskmonitr's ROE was 8.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 6.8 percentage points from the prior year.

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$5.0M-2.2%	$5.1M+0.1%	$5.1M+0.7%	$5.1M+3.9%	$4.9M-3.7%	$5.1M+1.0%	$5.0M+1.5%	$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	$2.5M+1.6%	$2.5M-8.5%	$2.7M+2.7%	$2.6M+6.1%	$2.5M+21.4%	$2.0M-9.6%	$2.3M-16.0%	$2.7M
Operating Income	-$94K-130.4%	$308K+141.7%	$127K+5.1%	$121K+378.1%	$25K-97.1%	$862K+91.8%	$449K+1851.9%	-$26K
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$18K-84.6%	$116K+52.7%	$76K+6.1%	$71K+51.5%	$47K-81.1%	$249K+51.1%	$165K+302.8%	$41K
Net Income	$58K-84.8%	$384K+57.0%	$245K+6.7%	$230K+44.3%	$159K-81.6%	$867K+57.1%	$552K+327.0%	$129K
EPS (Diluted)	$0.01	N/A	$0.020.0%	$0.02+100.0%	$0.01	N/A	$0.05+400.0%	$0.01

CRMZ Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$26.2M+5.3%	$24.9M+3.5%	$24.1M+7.1%	$22.5M+10.0%	$20.4M+9.3%	$18.7M
Current Assets	$21.8M+59.0%	$13.7M-28.7%	$19.2M+6.5%	$18.1M+14.5%	$15.8M+13.4%	$13.9M
Cash & Equivalents	$6.2M-6.4%	$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	$3.8M+4.3%	$3.6M-6.9%	$3.9M+11.4%	$3.5M+24.9%	$2.8M+9.6%	$2.6M
Goodwill	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M0.0%	$2.0M
Total Liabilities	$13.9M+0.8%	$13.8M-6.4%	$14.7M-1.3%	$14.9M+4.2%	$14.3M-10.6%	$16.0M
Current Liabilities	$13.3M+1.2%	$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	$12.4M+10.9%	$11.1M+18.9%	$9.4M+23.8%	$7.6M+23.5%	$6.1M+126.9%	$2.7M
Retained Earnings	-$18.1M+5.3%	-$19.1M+8.1%	-$20.7M+7.6%	-$22.4M+5.7%	-$23.8M+12.4%	-$27.2M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$25.1M-4.1%	$26.2M+1.4%	$25.9M-1.0%	$26.1M+6.9%	$24.4M-1.9%	$24.9M-3.2%	$25.7M+1.7%	$25.3M
Current Assets	$21.7M-0.4%	$21.8M+29.0%	$16.9M+11.5%	$15.2M+23.4%	$12.3M-10.4%	$13.7M-7.7%	$14.9M-27.7%	$20.6M
Cash & Equivalents	$5.7M-8.5%	$6.2M-9.7%	$6.9M+19.7%	$5.8M-1.0%	$5.8M-12.5%	$6.7M-15.4%	$7.9M-36.2%	$12.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$3.2M-15.2%	$3.8M+27.2%	$3.0M-36.9%	$4.7M+21.0%	$3.9M+7.3%	$3.6M+1.8%	$3.6M+0.2%	$3.6M
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	$12.7M-8.4%	$13.9M-0.3%	$13.9M-3.6%	$14.4M+10.2%	$13.1M-4.8%	$13.8M-11.0%	$15.5M-0.9%	$15.6M
Current Liabilities	$12.1M-8.9%	$13.3M+0.7%	$13.2M-3.7%	$13.7M+11.1%	$12.3M-6.1%	$13.1M-3.0%	$13.6M-0.7%	$13.6M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$12.4M+0.7%	$12.4M+3.4%	$11.9M+2.3%	$11.7M+3.1%	$11.3M+1.7%	$11.1M+8.7%	$10.2M+6.0%	$9.7M
Retained Earnings	-$18.0M+0.3%	-$18.1M+2.1%	-$18.4M+1.3%	-$18.7M+1.2%	-$18.9M+0.8%	-$19.1M+4.3%	-$19.9M+2.7%	-$20.5M

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	$0	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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$452K+26.8%	-$617K-143.4%	$1.4M+42.2%	$1.0M+219.5%	-$838K-226.4%	$662K+2.1%	$649K-31.8%	$952K
Capital Expenditures	$81K+53.2%	$53K+3826.4%	$1K-99.4%	$208K+3370.5%	$6K-94.0%	$101K+24.6%	$81K	$0
Free Cash Flow	-$533K+20.5%	-$670K-147.1%	$1.4M+79.4%	$792K+193.9%	-$844K-250.2%	$562K-1.1%	$568K-40.3%	$952K
Investing Cash Flow	-$81K-53.2%	-$53K+81.4%	-$283K+75.5%	-$1.2M-374146.0%	$309+100.0%	-$1.9M+63.3%	-$5.1M-48175.4%	-$11K
Financing Cash Flow	N/A	$0	$0	N/A	N/A	$0	$0	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	8.2%-6.8pp	15.0%-3.1pp	18.1%+0.1pp	18.0%-36.9pp	54.9%+56.6pp	-1.8%
Return on Assets	3.9%-2.8pp	6.7%-0.3pp	7.0%+1.0pp	6.0%-10.4pp	16.5%+16.7pp	-0.3%
Current Ratio	1.64+0.6	1.04-0.5	1.51+0.1	1.43+0.1	1.34+0.3	1.06
Debt-to-Equity	1.12-0.1	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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-1.9%-7.9pp	6.0%+3.5pp	2.5%+0.1pp	2.4%+1.9pp	0.5%-16.5pp	17.0%+8.1pp	9.0%+9.5pp	-0.5%
Net Margin	1.2%-6.4pp	7.5%+2.7pp	4.8%+0.3pp	4.5%+1.3pp	3.3%-13.9pp	17.1%+6.1pp	11.0%+8.4pp	2.6%
Return on Equity	0.5%-2.6pp	3.1%+1.1pp	2.1%+0.1pp	2.0%+0.6pp	1.4%-6.4pp	7.8%+2.4pp	5.4%+4.0pp	1.3%
Return on Assets	0.2%-1.2pp	1.5%+0.5pp	0.9%+0.1pp	0.9%+0.2pp	0.7%-2.8pp	3.5%+1.3pp	2.1%+1.6pp	0.5%
Current Ratio	1.79+0.2	1.64+0.4	1.28+0.2	1.11+0.1	0.99-0.0	1.04-0.1	1.10-0.4	1.51
Debt-to-Equity	1.02-0.1	1.12-0.0	1.17-0.1	1.24+0.1	1.16-0.1	1.24-0.3	1.51-0.1	1.62
FCF Margin	-10.7%+2.5pp	-13.2%-41.1pp	27.9%+12.2pp	15.7%+33.0pp	-17.3%-28.4pp	11.1%-0.2pp	11.3%-7.9pp	19.3%

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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 return on equity (ROE)?

Creditriskmonitr (CRMZ) has a return on equity of 8.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

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 total assets?

Creditriskmonitr (CRMZ) had $26.2M in total assets as of fiscal year 2025, including both current and long-term assets.

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.

What is Creditriskmonitr's current ratio?

Creditriskmonitr (CRMZ) had a current ratio of 1.64 as of fiscal year 2025, which is generally considered healthy.

What is Creditriskmonitr's debt-to-equity ratio?

Creditriskmonitr (CRMZ) had a debt-to-equity ratio of 1.12 as of fiscal year 2025, 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 3.9% for fiscal year 2025, 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 1.29, 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 3 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 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.