CRMZOTCServices-Consumer Credit Reporting, Collection AgenciesFiscal year ends December 31
CREDITRISKMONITOR COM INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 19, 2026
$2.10−0.02 (-0.94%)
Close on Oct 19, 2026
- Market cap
- $22.61M
- P/E (TTM)
- –
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Gross margin
–
Operating margin
0.4%+1.9 pts over 5 years
Net margin
2.5%+2.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +1.6% | +3.8% | +5.0% | +4.9% | |
| Operating income | -89.1% | -62.8% | – | -21.6% | |
| Net income | -60.9% | -27.8% | – | -0.0% | |
| EPS, diluted | -58.3% | -27.3% | – | 0.0% | |
| Free cash flow | -71.9% | -22.2% | -5.4% | +4.4% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 1.3% | -1.8% | 4.9% | |
| Return on assets | 0.4% | -0.3% | 2.0% | |
| Current ratio | 1.25 | 1.06 | 1.43 | |
| Capex to revenue | 1.8% | 1.8% | 1.3% | |
| Diluted shares | 11M | 11M | 11M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Creditriskmonitor Com generated $9.01M from operations and spent $1.57M on capital expenditure, dividends and share buybacks. 100% of that went back into the business.
Generated
$9.01M
Used
$1.57M
Capital expenditure$1.57M100%Dividends$00%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin2.5%
×Asset turnover0.79×
×Equity multiplier2.44×
=Return on equity, FY20254.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 2.5% | 0.79× | 2.44× | 4.9% |
| FY2024 | 6.6% | 0.81× | 2.59× | 13.8% |
| FY2023 | 9.0% | 0.81× | 2.85× | 20.8% |
| FY2022 | 7.6% | 0.84× | 3.13× | 19.9% |
| FY2021 | 19.7% | 0.87× | 4.43× | 76.2% |
| FY2020 | -0.3% | 0.91× | 6.42× | -1.8% |
| FY2019 | 1.5% | 0.98× | 5.23× | 7.7% |
| FY2018 | -1.3% | 1.01× | 4.20× | -5.5% |
| FY2017 | 0.1% | 0.96× | 3.71× | 0.3% |
| FY2016 | 0.4% | 0.91× | 3.39× | 1.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 7 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$511.16K
- Cash generatingOperating cash flow above zero$968.19K
- Return on assets improvedROA up on the prior year5.4% → 2.1%
- Earnings backed by cashOperating cash flow above net income$968.19K vs $511.16K
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose0.95 → 1.43
- No dilutionShare count did not rise11M → 11M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.82 → 0.81