CRMZ CREDITRISKMONITOR COM INC

Overview and Growth

Fiscal 2025 results for CREDITRISKMONITOR COM INC combined $20.12M of revenue with net income of $511.16K and an operating cash inflow of $968.19K. The $20.12M revenue base provides substantial context for the company’s earnings, cash generation, and capital requirements. The top line expanded 1.6% from $19.81M in fiscal 2024, increasing the company’s operating scale. Diluted earnings per share were $0.05, translating the period’s attributable earnings into the amount reported for each diluted share. Diluted EPS decreased by 58.3% from $0.12 in fiscal 2024, showing how the earnings change reached shareholders on a per-share basis. Asset turnover was 0.77x, relating the company’s annual revenue directly to the total assets reported at the period end.

Profitability

Operating income was $80.59K, the earnings remaining from reported operations after the company’s recognized operating cost structure. Operating margin measured 0.4%, showing the portion of revenue preserved after the full set of operating costs. After all reported below-operating-line items, the company recorded net income of $511.16K for the fiscal year. The final earnings result represented 2.5% of revenue, connecting the absolute net income figure with the company’s top-line scale. Before income taxes, the company reported $717.30K of earnings, providing a bridge between the operating result and final net income. The pretax margin was 3.6%, relating income before taxes directly to revenue. Income tax expense totaled $206.14K, providing the reported tax component that separates pretax and after-tax earnings. Relative to pretax income, the tax provision measured 28.7%, quantifying the portion of pre-tax earnings paid in income tax. Return on period-end equity was 4.7%, relating annual net income to the equity capital on the balance sheet. Net income represented 1.9% of period-end assets, placing the company’s bottom-line result against the total resource base employed.

Liquidity and Capital Structure

The company held $26.30M of assets against $15.43M of liabilities and $10.86M of equity, revealing how the asset base was financed. Current assets were $21.79M against $15.20M of current liabilities, framing the resources and obligations classified within the near-term balance-sheet horizon. At 1.43x, the current ratio shows that short-term assets were greater than short-term liabilities at period end. Reported cash and equivalents were $6.25M, separating immediately recognizable cash resources from the rest of the current-asset base. Cash and equivalents represented 41.1% of current liabilities, showing the portion of near-term obligations matched by reported cash alone. Liabilities represented 58.7% of total assets, quantifying the liability-funded share of the company’s resource base. The cash-to-assets relationship was 23.8%, comparing reported cash and equivalents with the full positive asset balance. Total assets were 5.6% higher than fiscal 2024 assets of $24.91M, measuring the company’s own balance-sheet change. Reported equity changed 2.5% from $11.14M in fiscal 2024, placing the current capital base lower year over year.

Cash Flow and Earnings Quality

Operating activities produced a cash inflow of $968.19K, giving the cash-flow counterpart to the accrual-based profit measures reported for the year. Against net income, operating cash flow measured 1.89x, showing the relationship between accrual earnings and operating cash. Capital expenditures used $268.26K, identifying the reported investment outflow deducted from operating cash flow in the free-cash-flow calculation. Relative to operating cash flow, capital expenditures measured 27.7%, connecting investment intensity with the company’s cash-generation base. The combination of operating cash flow and capital spending produced $699.92K of positive free cash flow for the period. Free cash flow represented 3.5% of revenue, linking post-investment cash generation with the company’s operating scale. The free-cash-flow-to-assets relationship was 2.7%, comparing post-investment cash with the balance-sheet asset base.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.