BALCAO · SERVICES-CONSUMER CREDIT REPORTING, COLLECTION AGENCIES · SMALL CAP
Creditriskmonitor.com, Inc. CRMZ
16 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$20.1M
▲ 1.6% vs FY2024
EPS · FY25
$0.09
Dividend / sh · FY25
—
Payout · FY25
—
ROE · FY25
8.7%
Net margin · FY25
5.1%
Dividend coverage
—
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Result
USD 20.1M
Revenue, FY2025 · full 16-year series below
Revenue
Net income
5 cents of every revenue dollar became profit this year.
Per share
USD 0.09
Diluted EPS, FY2025
EPS
The company pays no cash dividend.
Profitability
8.7%
Return on equity, FY2025
ROE
Operating margin2.9%
Net margin5.1%
Return on assets4.0%
Each USD of equity produced 9 cents of profit this year.
Returned to shareholders
—
returned in FY2025 · dividends + net buybacks
Dividends paid—
Net buybacks—
Share of profit—
Consecutive raises—
Growth
+5.0% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+3.8%
+5.0%
+4.9%
+5.2%
Net income
−9.2%
+7.1%
+0.0%
EPS, diluted
−11.5%
+6.1%
−1.9%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.01B
Shares outstanding, FY2025
Change, 5 years+0.4%
Change, 10 years+0.4%
The share count grew 0% in five years — the same company, cut into more, smaller slices.
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Balance sheet
USD 26.2M
total assets, end of FY2025
Total assetsUSD 26.2M
EquityUSD 12.4M
CashUSD 6.2M
Current ratio1.64×
Equity funds 47% of total assets.
History
16 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Revenue $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Operating income $B
0.0
0.0
0.0
0.0
0.0
−0.0
0.0
−0.0
−0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
EBITDA $B
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Income tax $B
0.0
0.0
0.0
0.0
0.0
−0.0
0.0
−0.0
−0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
0.0
0.0
0.0
0.0
0.0
−0.0
0.0
−0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
EPS, diluted $
0.09
0.16
0.16
0.13
0.31
0.00
0.02
−0.02
0.00
0.00
0.05
0.03
0.04
0.06
0.11
0.12
Dividend / sh $
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Payout %
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
ROE %
8.7
16.3
20.0
19.9
76.2
−1.8
7.7
−5.5
0.3
1.3
12.3
9.4
7.6
12.3
20.4
24.6
Shares out B
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
44 of 44
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed