Monroe Capital Financials
This page shows Monroe Capital (MRCC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 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).
FY2025 cash generation mostly reflects balance-sheet shrinkage, with deleveraging replacing earnings growth as the main mechanic.
In FY2025, operating cash flow of$115.9M arrived alongside a net loss of-$5.1M , so cash generation and accounting earnings diverged sharply. Because total assets also dropped to$373.0M from$490.7M , the cleaner reading is asset conversion and deleveraging rather than a step-up in underlying earning power.
The balance sheet has been shrinking for several years: assets moved from
The payout record looks heavier than earnings capacity: the dividend stayed at
Financial Health Signals
Monroe Capital 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.
Monroe Capital passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass.
Monroe Capital reported a net loss of $5.1M while generating $115.9M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Monroe Capital reported -$5.1M in net income in fiscal year 2025. This represents a decrease of 152.8% from the prior year.
Monroe Capital earned -$0.24 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 153.3% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Monroe Capital held $1.9M in cash against $190.8M in long-term debt as of fiscal year 2025.
Monroe Capital paid $0.93 per share in dividends in fiscal year 2025. This represents a decrease of 7.0% from the prior year.
Not reported for fiscal year 2025.
Margins & Returns
Monroe Capital's ROE was -3.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 8.1 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
None of these metrics is reported for fiscal year 2025.
MRCC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| SG&A Expenses | $800K-17.0% | $964K-17.9% | $1.2M+8.5% | $1.1M+0.9% | $1.1M+8.4% | $989K |
| Interest Expense | $15.9M-27.6% | $21.9M-4.1% | $22.8M+33.8% | $17.1M+6.3% | $16.1M-10.6% | $18.0M |
| Income Tax | $141K+3625.0% | -$4K-101.2% | $321K-75.5% | $1.3M+32675.0% | $4K+100.0% | $2K |
| Net Income | -$5.1M-152.8% | $9.7M+2515.6% | $371K+113.3% | -$2.8M-108.6% | $32.5M+1872.0% | $1.6M |
| EPS (Diluted) | -$0.24-153.3% | $0.45+2150.0% | $0.02+115.4% | -$0.13-108.6% | $1.51+1787.5% | $0.08 |
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
MRCC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Total Assets | $373.0M-24.0% | $490.7M-4.4% | $513.2M-9.2% | $565.0M-4.3% | $590.5M | N/A |
| Cash & Equivalents | $1.9M-78.7% | $9.0M+82.4% | $5.0M-9.0% | $5.5M+107.9% | $2.6M-61.3% | $6.8M |
| Total Liabilities | $206.5M-30.9% | $298.9M-3.4% | $309.5M-9.0% | $340.0M-0.3% | $341.0M | N/A |
| Long-Term Debt | $190.8M-34.7% | $292.0M-3.0% | $300.9M-8.9% | $330.1M-0.6% | $332.2M | N/A |
| Total Equity | $166.5M-13.2% | $191.8M-5.9% | $203.7M-9.5% | $225.0M-9.8% | $249.5M+6.4% | $234.4M |
| Retained Earnings | -$131.1M-23.7% | -$106.0M-12.2% | -$94.4M-28.1% | -$73.7M-49.7% | -$49.2M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.
MRCC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $115.9M+222.2% | $36.0M-30.5% | $51.7M+266.7% | $14.1M-29.5% | $20.0M-73.3% | $74.9M |
| Financing Cash Flow | -$123.0M-285.9% | -$31.9M+39.0% | -$52.2M-95.4% | -$26.7M+22.1% | -$34.3M+52.5% | -$72.1M |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Investing Cash Flow, Dividends Paid, Share Buybacks.
MRCC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 |
|---|---|---|---|---|---|---|
| Return on Equity | -3.1%-8.1pp | 5.1%+4.9pp | 0.2%+1.4pp | -1.2%-14.2pp | 13.0%+12.3pp | 0.7% |
| Return on Assets | -1.4%-3.4pp | 2.0%+1.9pp | 0.1%+0.6pp | -0.5%-6.0pp | 5.5% | N/A |
| Debt-to-Equity | 1.15-0.4x | 1.520.0x | 1.480.0x | 1.47+0.1x | 1.33 | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Current Ratio, FCF Margin.
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Where Monroe Capital Ranks
Frequently Asked Questions
Is Monroe Capital profitable?
No, Monroe Capital (MRCC) reported a net income of -$5.1M in fiscal year 2025.
How much debt does Monroe Capital have?
As of fiscal year 2025, Monroe Capital (MRCC) had $1.9M in cash and equivalents against $190.8M in long-term debt.
Does Monroe Capital pay dividends?
Yes, Monroe Capital (MRCC) paid $0.93 per share in dividends during fiscal year 2025.
What is Monroe Capital's return on equity (ROE)?
Monroe Capital (MRCC) has a return on equity of -3.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Monroe Capital's operating cash flow?
Monroe Capital (MRCC) generated $115.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Monroe Capital's total assets?
Monroe Capital (MRCC) had $373.0M in total assets as of fiscal year 2025, including both current and long-term assets.
What is Monroe Capital's debt-to-equity ratio?
Monroe Capital (MRCC) had a debt-to-equity ratio of 1.15 as of fiscal year 2025, 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 -1.4% for fiscal year 2025, 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 4 out of 6 computable signals; 3 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 Monroe Capital's earnings high quality?
Monroe Capital (MRCC) reported a net loss of $5.1M while generating $115.9M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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.