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CreditRiskMonitor (CRMZ) Ratios
CreditRiskMonitor Ratios
CRMZ's free cash flow for Q2 2026 was $413.82K. For the 2026 fiscal year, CRMZ's free cash flow was increased by $5.00 and operating cash flow was $413.81K. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.64 | 1.04 | 1.51 | 1.43 | 1.34 |
| Quick Ratio | 1.64 | 1.04 | 1.51 | 1.43 | 1.34 |
| Cash Ratio | 0.47 | 0.51 | 0.86 | 0.78 | 1.05 |
| Solvency Ratio | 0.10 | 0.15 | 0.14 | 0.12 | 0.26 |
| Operating Cash Flow Ratio | 0.07 | 0.22 | 0.11 | 0.14 | 0.17 |
| Short-Term Operating Cash Flow Coverage | 32.97 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ 7.74M | $ -68.27K | $ 4.36M | $ 3.15M | $ 1.47M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.00 | 0.00 | 0.07 | 0.09 | 0.10 |
| Debt-to-Equity Ratio | 0.01 | 0.00 | 0.19 | 0.26 | 0.35 |
| Debt-to-Capital Ratio | 0.01 | 0.00 | 0.16 | 0.21 | 0.26 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 2.14 | 2.24 | 2.59 | 2.97 | 3.33 |
| Debt Service Coverage Ratio | 21.18 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 0.01 | 0.00 | 0.16 | 0.18 | 0.20 |
| Net Debt to EBITDA | -6.61 | -4.04 | -4.93 | -3.67 | -3.94 |
| Profitability Margins | |||||
| Gross Profit Margin | 53.92% | 56.48% | 58.63% | 61.15% | 62.89% |
| EBIT Margin | 2.89% | 6.31% | 7.88% | 9.75% | 13.49% |
| EBITDA Margin | 4.63% | 8.34% | 9.91% | 11.97% | 15.23% |
| Operating Profit Margin | 2.89% | 6.31% | 7.88% | 8.74% | 13.49% |
| Pretax Profit Margin | 6.60% | 10.94% | 11.66% | 9.75% | 22.70% |
| Net Profit Margin | 5.06% | 8.45% | 8.95% | 7.57% | 19.71% |
| Continuous Operations Profit Margin | 5.06% | 8.45% | 8.95% | 7.57% | 19.71% |
| Net Income Per EBT | 76.65% | 77.25% | 76.79% | 77.63% | 86.84% |
| EBT Per EBIT | 228.16% | 173.51% | 147.94% | 111.50% | 168.26% |
| Return on Assets (ROA) | 3.86% | 6.72% | 6.99% | 6.05% | 16.47% |
| Return on Equity (ROE) | 8.24% | 15.03% | 18.09% | 17.97% | 54.88% |
| Return on Capital Employed (ROCE) | 4.44% | 10.61% | 12.96% | 15.98% | 26.69% |
| Return on Invested Capital (ROIC) | 3.40% | 8.20% | 9.77% | 12.17% | 22.71% |
| Return on Tangible Assets | 4.16% | 7.30% | 7.61% | 6.63% | 18.21% |
| Earnings Yield | 3.51% | 5.16% | 6.78% | 5.29% | 18.56% |
| Efficiency Ratios | |||||
| Receivables Turnover | 5.31 | 5.46 | 4.80 | 5.14 | 6.09 |
| Payables Turnover | 54.55 | 26.97 | 55.18 | 28.41 | 17.67 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 40.22 | 39.81 | 8.72 | 7.82 | 6.52 |
| Asset Turnover | 0.76 | 0.80 | 0.78 | 0.80 | 0.84 |
| Working Capital Turnover Ratio | 4.44 | 5.61 | 3.18 | 3.83 | 7.09 |
| Cash Conversion Cycle | 61.99 | 53.37 | 69.37 | 58.21 | 39.30 |
| Days of Sales Outstanding | 68.68 | 66.90 | 75.98 | 71.06 | 59.96 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 6.69 | 13.53 | 6.61 | 12.85 | 20.65 |
| Operating Cycle | 68.68 | 66.90 | 75.98 | 71.06 | 59.96 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.09 | 0.27 | 0.14 | 0.16 | 0.18 |
| Free Cash Flow Per Share | 0.07 | 0.23 | 0.11 | 0.14 | 0.15 |
| Dividend Paid and CapEx Coverage Ratio | 3.61 | 7.58 | 4.77 | 6.76 | 5.54 |
| Capital Expenditure Coverage Ratio | 3.61 | 7.58 | 4.77 | 6.76 | 5.54 |
| Operating Cash Flow Coverage Ratio | 11.45 | 0.00 | 0.82 | 0.89 | 0.93 |
| Operating Cash Flow to Sales Ratio | 0.05 | 0.14 | 0.08 | 0.10 | 0.12 |
| Free Cash Flow Yield | 2.41% | 7.67% | 4.58% | 5.78% | 8.94% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 28.54 | 18.94 | 14.74 | 18.92 | 5.39 |
| Price-to-Sales (P/S) Ratio | 1.44 | 1.64 | 1.32 | 1.43 | 1.06 |
| Price-to-Book (P/B) Ratio | 2.35 | 2.92 | 2.67 | 3.40 | 2.96 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 41.49 | 13.03 | 21.81 | 17.31 | 11.18 |
| Price-to-Operating Cash Flow Ratio | 30.00 | 11.31 | 17.24 | 14.75 | 9.16 |
| Price-to-Earnings Growth (PEG) Ratio | -0.70 | 0.00 | 0.64 | -0.33 | -0.00 |
| Enterprise Value Multiple | 24.55 | 15.63 | 8.39 | 8.28 | 3.03 |
| Enterprise Value | 22.88M | 25.81M | 15.74M | 17.83M | 7.88M |
| EV to EBITDA | 24.55 | 15.63 | 8.39 | 8.28 | 3.03 |
| EV to Sales | 1.14 | 1.30 | 0.83 | 0.99 | 0.46 |
| EV to Free Cash Flow | 32.69 | 10.35 | 13.75 | 11.99 | 4.86 |
| EV to Operating Cash Flow | 23.63 | 8.99 | 10.86 | 10.22 | 3.98 |
| Tangible Book Value Per Share | 0.97 | 0.86 | 0.69 | 0.52 | 0.39 |
| Shareholders’ Equity Per Share | 1.15 | 1.04 | 0.87 | 0.71 | 0.57 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.23 | 0.23 | 0.22 | 0.13 |
| Revenue Per Share | 1.87 | 1.85 | 1.77 | 1.68 | 1.59 |
| Net Income Per Share | 0.09 | 0.16 | 0.16 | 0.13 | 0.31 |
| Tax Burden | 0.77 | 0.77 | 0.77 | 0.78 | 0.87 |
| Interest Burden | 2.28 | 1.74 | 1.48 | 1.00 | 1.68 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 510.29 | 0.48 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 |
| Income Quality | 0.95 | 1.71 | 0.86 | 1.28 | 0.59 |
Currency in USD