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CreditRiskMonitor.com Inc (CRMZ)
OTHER OTC:CRMZ
US Market
CRMZ
CreditRiskMonitor
RESEARCH TOOLSreports

CreditRiskMonitor (CRMZ) Ratios

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CreditRiskMonitor Ratios

CRMZ's free cash flow for Q4 2025 was $0.54. For the 2025 fiscal year, CRMZ's free cash flow was decreased by $ and operating cash flow was $0.06. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.64 1.64 1.04 1.51 1.43
Quick Ratio
 1.64 1.64 1.04 1.51 1.43
Cash Ratio
 0.47 0.47 0.51 0.86 0.78
Solvency Ratio
 <0.01 <0.01 0.15 0.14 0.12
Operating Cash Flow Ratio
 <0.01 0.07 0.22 0.11 0.14
Short-Term Operating Cash Flow Coverage
 0.03 32.97 0.00 0.00 0.00
Net Current Asset Value
$ 7.90B$ 7.90B$ -68.27K$ 4.36M$ 3.15M
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 0.00 0.07 0.09
Debt-to-Equity Ratio
 <0.01 <0.01 0.00 0.19 0.26
Debt-to-Capital Ratio
 <0.01 <0.01 0.00 0.16 0.21
Long-Term Debt-to-Capital Ratio
 <0.01 <0.01 0.00 0.00 0.00
Financial Leverage Ratio
 2.12 2.12 2.24 2.59 2.97
Debt Service Coverage Ratio
 0.02 0.02 0.00 0.00 0.00
Interest Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
 3.57 2.91 0.00 0.00 0.00
Interest Debt Per Share
 7.85 7.86 0.00 0.16 0.18
Net Debt to EBITDA
 -6.61K -6.61K -4.04 -4.93 -3.67
Profitability Margins
Gross Profit Margin
55.32%53.92%56.48%58.63%61.15%
EBIT Margin
2.89%2.89%6.31%7.88%9.75%
EBITDA Margin
4.63%4.63%8.34%9.91%11.97%
Operating Profit Margin
2.89%2.89%6.31%7.88%8.74%
Pretax Profit Margin
6.60%6.60%10.94%11.66%9.75%
Net Profit Margin
5.06%5.06%8.45%8.95%7.57%
Continuous Operations Profit Margin
5.06%5.06%8.45%8.95%7.57%
Net Income Per EBT
76.65%76.65%77.25%76.79%77.63%
EBT Per EBIT
228.16%228.16%173.51%147.94%111.50%
Return on Assets (ROA)
<0.01%<0.01%6.72%6.99%6.05%
Return on Equity (ROE)
0.03%<0.01%15.03%18.09%17.97%
Return on Capital Employed (ROCE)
<0.01%<0.01%10.61%12.96%15.98%
Return on Invested Capital (ROIC)
<0.01%<0.01%8.20%9.77%12.17%
Return on Tangible Assets
<0.01%<0.01%7.30%7.61%6.63%
Earnings Yield
4.30%3.51%5.16%6.78%5.29%
Efficiency Ratios
Receivables Turnover
 5.31 5.31 5.46 4.80 5.14
Payables Turnover
 52.90 54.55 26.97 55.18 28.41
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.04 0.04 39.81 8.72 7.82
Asset Turnover
 <0.01 <0.01 0.80 0.78 0.80
Working Capital Turnover Ratio
 <0.01 <0.01 5.61 3.18 3.83
Cash Conversion Cycle
 61.78 61.99 53.37 69.37 58.21
Days of Sales Outstanding
 68.68 68.68 66.90 75.98 71.06
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 6.90 6.69 13.53 6.61 12.85
Operating Cycle
 68.68 68.68 66.90 75.98 71.06
Cash Flow Ratios
Operating Cash Flow Per Share
 0.09 90.01 0.27 0.14 0.16
Free Cash Flow Per Share
 0.07 65.07 0.23 0.11 0.14
CapEx Per Share
 0.02 24.94 0.04 0.03 0.02
Free Cash Flow to Operating Cash Flow
 0.72 0.72 0.87 0.79 0.85
Dividend Paid and CapEx Coverage Ratio
 3.61 3.61 7.58 4.77 6.76
Capital Expenditure Coverage Ratio
 3.61 3.61 7.58 4.77 6.76
Operating Cash Flow Coverage Ratio
 0.01 11.45 0.00 0.82 0.89
Operating Cash Flow to Sales Ratio
 0.05 48.11 0.14 0.08 0.10
Free Cash Flow Yield
2.95%2410.05%7.67%4.58%5.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 23.27 28.53 19.40 14.74 18.92
Price-to-Sales (P/S) Ratio
 1.18 1.44 1.64 1.32 1.43
Price-to-Book (P/B) Ratio
 <0.01 <0.01 2.92 2.67 3.40
Price-to-Free Cash Flow (P/FCF) Ratio
 33.84 0.04 13.03 21.81 17.31
Price-to-Operating Cash Flow Ratio
 24.47 0.03 11.31 17.24 14.75
Price-to-Earnings Growth (PEG) Ratio
 -0.72 -0.70 0.00 0.64 -0.33
Price-to-Fair Value
 <0.01 <0.01 2.92 2.67 3.40
Enterprise Value Multiple
 -6.59K -6.58K 15.63 8.39 8.28
Enterprise Value
 -6.14B -6.13B 25.81M 15.74M 17.83M
EV to EBITDA
 -6.59K -6.58K 15.63 8.39 8.28
EV to Sales
 -305.11 -304.85 1.30 0.83 0.99
EV to Free Cash Flow
 -8.77K -8.76 10.35 13.75 11.99
EV to Operating Cash Flow
 -6.34K -6.34 8.99 10.86 10.22
Tangible Book Value Per Share
 965.84 966.84 0.86 0.69 0.52
Shareholders’ Equity Per Share
 1.15K 1.15K 1.04 0.87 0.71
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.23 0.23 0.22
Revenue Per Share
 1.87 1.87 1.85 1.77 1.68
Net Income Per Share
 0.09 0.09 0.16 0.16 0.13
Tax Burden
 0.77 0.77 0.77 0.77 0.78
Interest Burden
 2.28 2.28 1.74 1.48 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.51 510.29 0.48 0.00 0.00
Stock-Based Compensation to Revenue
 <0.01 4.84 <0.01 <0.01 <0.01
Income Quality
 0.95 0.95 1.71 0.86 1.28
Currency in USD