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CREDITRISKMONITOR COM INC

CRMZ

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17 Visible periods

27 Metrics

Peer-ranked Benchmarks

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Health

Fair

Neutral

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Analytical Summary

CREDITRISKMONITOR COM INC shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap —

Dividend Yield —

Revenue Growth 1.6% ↘

Op. Margin 2.9% ↘

ROIC 3.6% ↘

FCF / Share $0.07 ↘

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$20.12M

↑ +1.6% —

Net Income Profit after all expenses

$1.02M

↓ -39.2% —

Operating Margin Operating profit as % of sales

2.9%

↓ -54.1% 36th

FCF / Share Free cash flow per share

$0.07

↓ -72.0% —

Health Breakdown

Profitability ↓

Returns ↓

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	4.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	5.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-11%)	8.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+41%)	8.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+42%)	4.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	3.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	4.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	2.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-56%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	-43.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	23.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	-58.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	N/M	N/M	—	—	N/M	25.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	30.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-42.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-36.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-15.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-39.2% Weak ↓ Weak Declining Year-over-year change in net income	-1.2% Weak ↑ Weak Improving Year-over-year change in net income	24.6% Good Good Year-over-year change in net income	-59.6% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	N/M	-77.0% Weak ↓ Weak Declining Year-over-year change in net income	-89.8% Weak ↓ Weak Declining Year-over-year change in net income	38.5% Excellent ↑ Excellent Improving Year-over-year change in net income	8.4% Fair ↑ Fair Improving Year-over-year change in net income	-35.5% Weak ↓ Weak Declining Year-over-year change in net income	-41.7% Weak Weak Year-over-year change in net income	-10.3% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	-72.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	117.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-22.9% Weak ↓ Weak Declining Year-over-year change in free cash flow	-8.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	75.4% Excellent Excellent Year-over-year change in free cash flow	24.0% Good Good Year-over-year change in free cash flow	N/M	N/M	-93.9% Weak Weak Year-over-year change in free cash flow	—	—	—	-74.4% Weak Weak Year-over-year change in free cash flow	-18.9% Weak Weak Year-over-year change in free cash flow	—	—	—
Revenue CAGR 3Y (%)	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.4% Fair → Fair Stable Compound annual revenue growth over 3 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.2% Caution Caution Compound annual revenue growth over 3 years	3.6% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.9% Fair Fair Compound annual revenue growth over 5 years	4.7% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	-11.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-19.8% Weak Weak Compound annual EPS growth over 3 years	—	86.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	-2.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-22.1% Weak Weak Compound annual EPS growth over 3 years	-32.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	2.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	6.3% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	7.9% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	8.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	13.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	-1.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-106%)	1.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	-2.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-109%)	-2.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	1.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	7.3% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	23.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	77.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.6% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	105.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	74.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	44.2% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	47.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	41.1% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	46.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.7% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	40.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	5.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	8.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	9.0% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	7.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	-0.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	1.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	-1.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-106%)	0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	0.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	4.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	—	—	—	—	—	—
FCF Margin (%) (%)	3.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	12.6% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.1% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.3% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	9.5% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.9% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.1% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-1.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	0.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	6.2% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	—	—	—
FCF / Net Income (x)	0.69x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.49x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.68x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	1.09x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	0.48x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-19.49x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	3.42x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	0.74x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	4.05x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	15.26x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	1.08x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	2.73x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.95x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.49x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%)	3.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	8.7% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	12.2% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	16.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	32.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	4.4% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	-10.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	11.9% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	8.9% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	9.0% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	13.2% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	17.5% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	24.3% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.0% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	6.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	7.0% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	11.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	-1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.0% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	4.9% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	7.7% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	9.6% Fair Fair Operating profit relative to total assets Optimal: > 10%	14.8% Good Good Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	15.0% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	18.1% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+51%)	18.0% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+50%)	54.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+357%)	-1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-115%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	-6.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-151%)	0.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	1.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	13.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	19.0% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+58%)	24.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+105%)	—

⚖️ Is the balance sheet risky? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Debt (USD)	$-6.25M	$-6.67M	$-11.00M	$-9.87M	$-12.38M	$-10.30M	$-8.28M	$-8.07M	$-8.74M	$-9.22M	$-8.72M	$-7.53M	$-6.65M	$-6.42M	$-6.53M	$-5.64M	$-4.68M

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$1.87	$1.85	$1.77	$1.68	$1.59	$1.47	$1.35	$1.30	$1.25	$1.20	$1.17	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.09	$0.16	$0.16	$0.13	$0.31	$0.00	$0.02	$-0.02	$0.00	$0.00	$0.05	$0.04	$0.03	$0.05	$0.08	$0.10	—
Free Cash Flow per Share (USD)	$0.07	$0.23	$0.11	$0.14	$0.15	$0.09	$0.07	$-0.01	$0.00	$0.07	—	—	$0.04	$0.14	$0.17	—	—
Book Value per Share (USD)	$1.15	$1.04	$0.87	$0.71	$0.57	$0.25	$0.25	$0.28	$0.33	$0.37	$0.40	$0.39	$0.39	$0.38	$0.47	$0.40	—
Tangible Book Value per Share (USD)	$0.97	$0.86	$0.69	$0.52	$0.39	$0.07	$0.07	$0.09	$0.15	$0.19	$0.22	$0.20	$0.20	$0.19	$0.28	$0.21	—
Basic Weighted Avg Shares (shares)	10.76M	10.72M	10.72M	10.72M	10.72M	10.72M	10.72M	10.72M	10.72M	10.72M	10.63M	10.40M	10.34M	10.33M	10.28M	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD)	$8.49M	$564.62K	$6.50M	$5.42M	$3.96M	$847.62K	$832.46K	$1.12M	$1.70M	$2.33M	$2.69M	$2.51M	$2.28M	$2.29M	$2.67M	$1.55M	—
Total Equity (USD)	$12.35M	$11.14M	$9.37M	$7.57M	$6.13M	$2.70M	$2.69M	$2.96M	$3.58M	$3.97M	$4.31M	$4.08M	$4.04M	$3.93M	$4.79M	$4.12M	$3.39M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$20.12M	$19.81M	$18.93M	$17.98M	$17.07M	$15.73M	$14.50M	$13.89M	$13.39M	$12.81M	$12.49M	—	—	—	—	—	—
Net Income, GAAP (USD)	$1.02M	$1.67M	$1.70M	$1.36M	$3.36M	$-47.43K	$217.59K	$-179.33K	$12.07K	$52.44K	$513.19K	$370.55K	$341.81K	$529.82K	$908.59K	$1.01M	—
Operating Cash Flow (USD)	$968.19K	$2.87M	$1.45M	$1.74M	$1.98M	$1.21M	$886.49K	$164.57K	$247.78K	$1.04M	—	—	$701.06K	$1.55M	$1.88M	$2.75M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 17 years · 67 quarters

CREDITRISKMONITOR COM INC

Analytical Summary

17-Year Financial Trajectory

Health Breakdown

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