Monroe Capital Financials
Financial Health Signals
Monroe Capital passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass.
For every $1 of reported earnings, Monroe Capital generates $3.71 in operating cash flow ($36.0M OCF vs $9.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Monroe Capital (MRCC) 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).
Key Financial Metrics
Monroe Capital reported $9.7M in net income in fiscal year 2024. This represents an increase of 2515.6% from the prior year.
Monroe Capital earned $0.45 per diluted share (EPS) in fiscal year 2024. This represents an increase of 2150.0% from the prior year.
Monroe Capital held $9.0M in cash against $292.0M in long-term debt as of fiscal year 2024.
Monroe Capital paid $1.00 per share in dividends in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Monroe Capital had 22M shares outstanding in fiscal year 2024. This represents an increase of 0.0% from the prior year.
Monroe Capital's ROE was 5.1% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 4.9 percentage points from the prior year.
MRCC Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | 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 | 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 | $152K-34.5% | $232K+2.7% | $226K-16.3% | $270K+11.1% | $243K+11.5% | $218K | N/A | $304K |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $3.9M-0.5% | $3.9M-15.9% | $4.7M-15.2% | $5.5M-4.6% | $5.8M+5.0% | $5.5M | N/A | $5.9M |
| Income Tax | $114K+1800.0% | $6K+500.0% | $1K | $0+100.0% | -$20K-385.7% | $7K | N/A | $0 |
| Net Income | -$1.1M+39.2% | -$1.9M-451.3% | $532K-89.3% | $5.0M+52.4% | $3.3M+2.0% | $3.2M | N/A | -$236K |
| EPS (Diluted) | $-0.05+44.4% | $-0.09-400.0% | $0.03-87.0% | $0.23+53.3% | $0.150.0% | $0.15 | N/A | $-0.01 |
MRCC Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $389.0M-1.4% | $394.6M-14.5% | $461.5M-5.9% | $490.7M-4.2% | $512.1M-2.9% | $527.5M+2.8% | $513.2M-5.4% | $542.5M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $3.5M+45.4% | $2.4M-62.5% | $6.5M-28.5% | $9.0M+133.3% | $3.9M-20.2% | $4.9M-2.1% | $5.0M-6.9% | $5.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $215.9M+0.4% | $215.0M-21.7% | $274.6M-8.1% | $298.9M-4.4% | $312.8M-4.1% | $326.0M+5.3% | $309.5M-7.6% | $335.0M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $211.2M+1.3% | $208.6M-22.5% | $269.1M-7.8% | $292.0M-4.3% | $305.2M-4.3% | $318.8M+6.0% | $300.9M-8.1% | $327.5M |
| Total Equity | $173.0M-3.6% | $179.6M-3.9% | $186.9M-2.5% | $191.8M-3.8% | $199.3M-1.1% | $201.5M-1.1% | $203.7M-1.8% | $207.6M |
| Retained Earnings | -$124.7M-5.5% | -$118.1M-6.6% | -$110.9M-4.6% | -$106.0M-7.3% | -$98.8M-2.2% | -$96.6M-2.4% | -$94.4M-3.6% | -$91.2M |
MRCC Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.3M-93.1% | $62.3M+139.0% | $26.1M+68.3% | $15.5M-15.5% | $18.3M+249.3% | -$12.3M-138.5% | $31.9M+707.1% | -$5.3M |
| Capital Expenditures | N/A | N/A | 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 | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Financing Cash Flow | -$3.2M+95.2% | -$66.3M-131.5% | -$28.6M-172.4% | -$10.5M+45.5% | -$19.3M-258.5% | $12.2M+137.6% | -$32.4M-1787.9% | -$1.7M |
| 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 |
MRCC 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 | N/A | N/A | 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 | N/A | N/A |
| Return on Equity | N/A | N/A | 0.3%-2.2pp | 2.5%+0.9pp | 1.6%+0.0pp | 1.6% | N/A | N/A |
| Return on Assets | -0.3%+0.2pp | -0.5%-0.6pp | 0.1%-0.9pp | 1.0%+0.4pp | 0.6%+0.0pp | 0.6% | N/A | -0.0% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 1.22+0.1 | 1.16-0.3 | 1.44-0.1 | 1.520.0 | 1.53-0.1 | 1.58+0.1 | 1.48-0.1 | 1.58 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
Is Monroe Capital profitable?
Yes, Monroe Capital (MRCC) reported a net income of $9.7M in fiscal year 2024.
What is Monroe Capital's earnings per share (EPS)?
Monroe Capital (MRCC) reported diluted earnings per share of $0.45 for fiscal year 2024. This represents a 2150.0% 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.
How much debt does Monroe Capital have?
As of fiscal year 2024, Monroe Capital (MRCC) had $9.0M in cash and equivalents against $292.0M in long-term debt.
Does Monroe Capital pay dividends?
Yes, Monroe Capital (MRCC) paid $1.00 per share in dividends during fiscal year 2024.
What is Monroe Capital's return on equity (ROE)?
Monroe Capital (MRCC) has a return on equity of 5.1% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Monroe Capital's operating cash flow?
Monroe Capital (MRCC) generated $36.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Monroe Capital's total assets?
Monroe Capital (MRCC) had $490.7M in total assets as of fiscal year 2024, including both current and long-term assets.
How many shares does Monroe Capital have outstanding?
Monroe Capital (MRCC) had 22M shares outstanding as of fiscal year 2024.
What is Monroe Capital's debt-to-equity ratio?
Monroe Capital (MRCC) had a debt-to-equity ratio of 1.52 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Monroe Capital's return on assets (ROA)?
Monroe Capital (MRCC) had a return on assets of 2.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Monroe Capital's Piotroski F-Score?
Monroe Capital (MRCC) 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 Monroe Capital's earnings high quality?
Monroe Capital (MRCC) has an earnings quality ratio of 3.71x, 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.