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

CreditRiskMonitor (CRMZ) Ratios

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CreditRiskMonitor Ratios

CRMZ's free cash flow for Q3 2025 was $0.57. For the 2025 fiscal year, CRMZ's free cash flow was decreased by $ and operating cash flow was $0.03. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
1.28 1.51 1.43 1.34 1.06
Quick Ratio
1.28 1.51 1.43 1.34 1.06
Cash Ratio
0.52 0.86 0.78 1.05 0.79
Solvency Ratio
0.14 0.14 0.12 0.26 0.01
Operating Cash Flow Ratio
0.17 0.11 0.14 0.17 0.09
Short-Term Operating Cash Flow Coverage
74.88 0.00 0.00 0.00 0.93
Net Current Asset Value
$ 2.97M$ 4.36M$ 3.15M$ 1.47M$ -2.08M
Leverage Ratios
Debt-to-Assets Ratio
<0.01 0.07 0.09 0.10 0.21
Debt-to-Equity Ratio
<0.01 0.19 0.26 0.35 1.43
Debt-to-Capital Ratio
<0.01 0.16 0.21 0.26 0.59
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.00 0.00 0.09
Financial Leverage Ratio
2.17 2.59 2.97 3.33 6.92
Debt Service Coverage Ratio
36.10 0.00 0.00 0.00 0.11
Interest Coverage Ratio
0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
<0.01 0.00 0.00 0.00 0.06
Interest Debt Per Share
<0.01 0.16 0.18 0.20 0.36
Net Debt to EBITDA
-4.46 -4.93 -4.05 -2.44 352.40
Profitability Margins
Gross Profit Margin
56.56%58.63%61.15%62.89%61.69%
EBIT Margin
5.66%7.88%9.75%22.70%-1.51%
EBITDA Margin
7.60%9.91%10.87%24.59%-0.12%
Operating Profit Margin
5.66%7.88%8.74%4.34%-1.51%
Pretax Profit Margin
9.68%11.66%9.75%22.70%-1.34%
Net Profit Margin
7.47%8.95%7.57%19.71%-0.30%
Continuous Operations Profit Margin
7.47%8.95%7.57%19.71%-0.30%
Net Income Per EBT
77.19%76.79%77.63%86.84%22.44%
EBT Per EBIT
171.11%147.94%111.50%523.06%88.76%
Return on Assets (ROA)
5.80%6.99%6.05%16.47%-0.25%
Return on Equity (ROE)
13.02%18.09%17.97%54.88%-1.76%
Return on Capital Employed (ROCE)
8.97%12.96%15.98%8.59%-4.23%
Return on Invested Capital (ROIC)
6.89%9.77%12.17%7.31%-0.75%
Return on Tangible Assets
6.27%7.61%6.63%18.21%-0.28%
Earnings Yield
5.85%6.78%5.29%18.56%-0.19%
Efficiency Ratios
Receivables Turnover
6.75 4.80 5.14 6.09 6.15
Payables Turnover
45.53 55.18 28.41 17.67 46.33
Inventory Turnover
0.00 0.00 6.98M 6.33M 6.03M
Fixed Asset Turnover
37.34 8.72 7.82 6.52 5.73
Asset Turnover
0.78 0.78 0.80 0.84 0.84
Working Capital Turnover Ratio
7.82 3.18 3.83 7.09 18.73
Cash Conversion Cycle
46.08 69.37 58.21 39.30 51.46
Days of Sales Outstanding
54.10 75.98 71.06 59.96 59.33
Days of Inventory Outstanding
0.00 0.00 <0.01 <0.01 <0.01
Days of Payables Outstanding
8.02 6.61 12.85 20.65 7.88
Operating Cycle
54.10 75.98 71.06 59.96 59.33
Cash Flow Ratios
Operating Cash Flow Per Share
0.21 0.14 0.16 0.18 0.11
Free Cash Flow Per Share
0.18 0.11 0.14 0.15 0.09
CapEx Per Share
0.03 0.03 0.02 0.03 0.03
Free Cash Flow to Operating Cash Flow
0.86 0.79 0.85 0.82 0.76
Dividend Paid and CapEx Coverage Ratio
7.11 4.77 6.76 5.54 4.21
Capital Expenditure Coverage Ratio
7.11 4.77 6.76 5.54 4.21
Operating Cash Flow Coverage Ratio
21.25 0.82 0.89 0.93 0.31
Operating Cash Flow to Sales Ratio
0.11 0.08 0.10 0.12 0.08
Free Cash Flow Yield
7.54%4.58%5.78%8.94%3.67%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
17.87 14.74 18.92 5.39 -531.28
Price-to-Sales (P/S) Ratio
1.33 1.32 1.43 1.06 1.60
Price-to-Book (P/B) Ratio
2.24 2.67 3.40 2.96 9.33
Price-to-Free Cash Flow (P/FCF) Ratio
13.88 21.81 17.31 11.18 27.27
Price-to-Operating Cash Flow Ratio
11.93 17.24 14.75 9.16 20.80
Price-to-Earnings Growth (PEG) Ratio
-1.01 0.64 -0.33 >-0.01 4.37
Price-to-Fair Value
2.24 2.67 3.40 2.96 9.33
Enterprise Value Multiple
13.09 8.39 9.12 1.88 -1.03K
Enterprise Value
18.81M 15.74M 17.83M 7.88M 18.76M
EV to EBITDA
12.32 8.39 9.12 1.88 -1.03K
EV to Sales
0.94 0.83 0.99 0.46 1.19
EV to Free Cash Flow
9.74 13.75 11.99 4.86 20.30
EV to Operating Cash Flow
8.37 10.86 10.22 3.98 15.48
Tangible Book Value Per Share
0.93 0.69 0.52 0.39 0.07
Shareholders’ Equity Per Share
1.11 0.87 0.71 0.57 0.25
Tax and Other Ratios
Effective Tax Rate
0.23 0.23 0.22 0.13 0.78
Revenue Per Share
1.87 1.77 1.68 1.59 1.47
Net Income Per Share
0.14 0.16 0.13 0.31 >-0.01
Tax Burden
0.77 0.77 0.78 0.87 0.22
Interest Burden
1.71 1.48 1.00 1.00 0.89
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
1.50 0.86 1.28 0.59 -25.55
Currency in USD