CreditRiskMonitor.com, Inc. Financial Ratios — CRMZ Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	7.61	4.19	2.31	2.79	3.71	0.37	0.09	-1.31	1.47	-0.27	17.2	6.34	7.28	6.84	3.98
Return on Capital (%)	-3.78	-2.18	-1.18	-1.48	-2.05	-0.21	- -	- -	-0.85	- -	-15.03	-6.49	-8.64	-8.85	-5.53
Return on Invested Capital (%)	18.53	11.71	8.04	9.12	12.3	1.1	- -	- -	2.95	- -	27.07	13.76	11.12	8.69	3.79
Gross Margin (%)	67.39	66.27	62.5	61.31	62.64	61.42	59.46	58.5	60.28	61.69	62.89	61.15	58.63	56.48	55.66
EBITDA Margin (%)	13.54	10.16	6.65	7.49	9.09	2.92	-0.64	-0.94	2.72	-0.12	15.23	10.87	9.91	8.34	4.63
Operating Margin (%)	11.94	8.81	5.23	5.67	7.34	1.36	-2.08	-2.31	1.29	-1.51	13.49	8.74	7.88	6.31	2.89
Incremental Operating Margin (%)	-57.29	-26.17	-45.9	19.98	79.47	-226.27	- -	- -	83.34	- -	190.59	-79.91	-8.33	-27.63	-212.76
Pretax Margin (%)	12.91	9.01	4.9	5.81	7.36	1.57	-1.72	-1.38	2.37	-1.34	22.7	9.75	11.66	10.94	6.6
Profit Margin (%)	8.95	4.79	2.48	3.04	4.11	0.41	0.09	-1.29	1.5	-0.3	19.71	7.57	8.95	8.45	5.06
Net Income to Common Margin (%)	8.95	4.79	2.48	3.04	4.11	0.41	0.09	-1.29	1.5	-0.3	19.71	7.57	8.95	8.45	5.06
Effective Tax Rate (%)	30.68	46.82	49.41	47.75	44.17	73.99	- -	- -	36.57	- -	13.16	22.37	23.21	22.75	23.35
Dvd Payout Ratio (%)	43.55	299.98	135.55	108.61	80.36	1,022.29	4,441.76	-298.95	246.39	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	2	4	2	2	2	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	2	2	2	2	2	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	6.2	-211.21	0.82	1	0.94	- -	0.09
Net Debt/EBITDA	-4.75	-5.71	-8.45	-8.24	-7.68	-24.62	101.61	61.51	-20.98	478.19	-4.77	-5.05	-5.87	-4.04	-6.7
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	13.07	-16.21	0.93	1.25	1.18	- -	0.15
Net Debt/EBIT	-5.39	-6.59	-10.74	-10.88	-9.51	-52.86	31.43	25.11	-44.21	36.71	-5.38	-6.28	-7.38	-5.34	-10.74
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-189.38	-195.65	-196.82	-181.83	-180.55	-179.14	-187.96	-196.02	-169.22	-144.76	-116.01	-99.41	-85.74	-76.13	-68.4
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	85.35	88.84	31.98	23.33	16.6	- -	0.45
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	-9.36	-10.35	-9.09	-8.67	-8.24	- -	-0.31
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	14.41	12.84	9.6	7.86	6.46	- -	0.21
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	90.81	142.91	34.88	25.89	18.85	- -	0.68
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	-9.96	-16.64	-9.92	-9.62	-9.36	- -	-0.47
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	15.33	20.65	10.47	8.72	7.34	- -	0.32
Net Debt to Equity	-136.34	-163.46	-170.94	-184.71	-202.27	-232.53	-243.84	-272.73	-307.17	-323.55	-202.01	-130.34	-117.48	-59.91	-50.58
Net Debt/Capital (%)	21.53	20.53	20.96	23.08	25.88	26.6	25.16	23.21	25.2	26.09	36.48	32.63	36.83	26.03	25.92
EBITDA	1	1	1	1	1	- -	- -	- -	- -	- -	3	2	2	2	1
EBITDA-CapEx	1	1	- -	1	1	- -	- -	- -	- -	- -	2	2	2	1	1
Operating Income (Loss)	1	1	1	1	1	- -	- -	- -	- -	- -	2	2	1	1	1

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	1.09	1	1	0.99	1.02	0.97	0.9	0.81	0.8	0.82	1.05	1.1	1.14	0.7	1.27
Current Ratio	1.35	1.28	1.28	1.28	1.31	1.25	1.17	1.11	1.08	1.06	1.34	1.43	1.51	1.04	1.64
Quick Ratio	1.29	1.21	1.21	1.22	1.24	1.19	1.12	1.06	1.03	1.02	1.29	1.38	1.45	0.97	1.55
CFO/Avg Current Liab	0.25	0.2	0.09	0.16	0.08	0.11	0.03	0.02	0.09	0.1	0.16	0.14	0.11	0.22	0.07
Common Equity/Total Assets	-189.38	-195.65	-196.82	-181.83	-180.55	-179.14	-187.96	-196.02	-169.22	-144.76	-116.01	-99.41	-85.74	-76.13	-68.4
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	85.35	88.84	31.98	23.33	16.6	- -	0.45
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	-9.36	-10.35	-9.09	-8.67	-8.24	- -	-0.31
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	14.41	12.84	9.6	7.86	6.46	- -	0.21
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	90.81	142.91	34.88	25.89	18.85	- -	0.68
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	-9.96	-16.64	-9.92	-9.62	-9.36	- -	-0.47
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	15.33	20.65	10.47	8.72	7.34	- -	0.32
CFO/Total Liabilities	24.17	17.65	7.92	13.67	7.68	10.11	2.42	1.54	6.68	7.58	13.83	11.71	9.86	20.86	6.97
CFO/CapEx	17.92	14.95	2.12	9.76	2.65	4.4	1.25	0.55	6.27	4.21	5.54	6.76	4.77	7.58	3.61
Altman's Z-Score	-0.05	-0.15	0.05	-0.48	-0.29	0.19	-0.82	-1.07	-0.79	-0.37	0.55	0.95	1.14	1.32	0.29

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	6.87	6.65	6.8	6.45	6.23	6.38	6.33	6.05	6.12	6.49	6.37	5.7	5.09	5.23	5.43
Days Sales Outstanding	53.17	54.89	53.71	56.62	58.55	57.23	57.68	60.36	59.69	56.21	57.33	63.98	71.73	69.76	67.27
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	77.93	71.05	67.98	42.2	43.29	56.51	69.74	75.03	49.6	45.04	25.93	23.12	40.4	37.35	36.44
Accounts Payable Turnover Days	4.68	5.14	5.37	8.65	8.43	6.46	5.23	4.86	7.36	8.1	14.08	15.79	9.04	9.77	10.02
Cash Conversion Cycle	48.48	49.75	48.34	47.97	50.12	50.77	52.45	55.49	52.33	48.1	43.25	48.2	62.7	59.99	57.25
Inventory to Cash Days	53.17	54.89	53.71	56.62	58.55	57.23	57.68	60.36	59.69	56.21	57.33	63.98	71.73	69.76	67.27
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	19	22	26	17	17	30	18	16	17	25	18	26	25	32	- -
- Cash & Cash Equivalents	7	6	7	8	9	9	9	8	8	10	12	10	11	7	6
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	2	4	2	2	2	- -	- -
Enterprise Value	11	14	18	8	8	21	9	8	11	18	8	14	12	23	-17
Total Capital	-24	-25	-25	-25	-25	-25	-26	-27	-25	-23	-22	-20	-19	-19	-18
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	-9.96	-16.64	-9.92	-9.62	-9.36	- -	-0.47
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	0.22	0.21	0.27	0.14	0.14	- -	-0.01
EV/Sales	1.05	1.26	1.53	0.63	0.66	1.66	0.67	0.61	0.78	1.16	0.46	0.77	0.65	1.18	- -
EV/EBITDA	7.77	12.44	22.96	8.41	7.29	56.7	- -	- -	28.53	- -	3.03	7.06	6.53	14.14	- -
EV/EBIT	8.81	14.36	29.19	11.09	9.03	121.75	- -	- -	60.1	- -	3.42	8.78	8.21	18.68	- -
EV/Cash Flow to Firm	5.68	9.03	25.77	5.78	11.33	20.51	36.32	51.21	12.69	15.1	3.98	7.91	8.45	8.13	- -
EV/Free Cash Flow to Firm	5.38	8.46	17.51	5.24	8.22	16.71	20.15	18.27	10.95	12.2	3.37	6.89	6.99	7.18	- -
Diluted Market Cap	20	26	26	21	17	30	18	16	17	25	18	26	25	33	- -
Diluted Enterprise Value	13	19	19	13	9	21	9	8	11	19	8	18	16	26	-6
EV per Share	1.04	1.42	1.63	0.8	0.84	1.98	0.84	0.94	1.03	1.71	0.73	1.29	1.14	2.18	- -
TTM Sales	10	11	12	12	12	13	13	14	15	16	17	18	19	20	20
TTM EBITDA	1	1	1	1	1	- -	- -	- -	- -	- -	3	2	2	2	1
TTM Operating Income	1	1	1	1	1	- -	- -	- -	- -	- -	2	2	1	1	1
TTM Cash Flow to Firm	2	2	1	1	1	1	- -	- -	1	1	2	2	1	3	1
TTM Free Cash Flow to Firm	2	2	1	1	1	1	- -	- -	1	1	2	2	2	3	1

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	10.04	15.62	25.31	14.13	17.12	23.97	39.71	35.76	16.62	16.81	7.79	12.9	14.35	10.05	- -
EV/EBIT	8.81	14.36	29.19	11.09	9.03	121.75	- -	- -	60.1	- -	3.42	8.78	8.21	18.68	- -
Enterprise Value	11	14	18	8	8	21	9	8	11	18	8	14	12	23	-17
Low Price	1.54	1.65	1.85	1.35	1.84	1.8	1.61	1.25	1	1.4	1.61	1.69	2.25	2	2.01
EV/Sales	1.05	1.26	1.53	0.63	0.66	1.66	0.67	0.61	0.78	1.16	0.46	0.77	0.65	1.18	- -
EV/EBITDA	7.77	12.44	22.96	8.41	7.29	56.7	- -	- -	28.53	- -	3.03	7.06	6.53	14.14	- -
Price/Earnings	20.87	41.79	88.96	44.72	33.61	580.87	1,469.27	- -	78.5	- -	5.39	18.92	14.74	19.4	- -
Price/Earnings Average	38.27	40.34	79.89	47.67	50.88	626.53	1,791.03	-102.38	80.06	-404.47	7.57	18.15	16.64	15.23	- -
Price/Earnings High	63.13	64.29	118.06	70	96.11	817.83	2,753.89	-132.5	106.5	-743.79	11.48	26.17	20.56	23.05	- -
Price/Earnings Low	17.42	30.64	70	35.1	35.34	368.02	1,430.25	-62.5	50	-316.51	5.13	13.32	14.23	12.8	- -
Price/Book Value	-0.8	-0.89	-1.04	-0.66	-0.69	-1.2	-0.68	-0.62	-0.63	-0.93	-0.76	-1.15	-1.21	-1.71	- -
Price/Book Value Average	-1.46	-0.86	-0.94	-0.7	-1.05	-1.29	-0.83	-0.69	-0.64	-0.71	-1.07	-1.11	-1.37	-1.35	- -
Price/Book Value High	-2.41	-1.37	-1.38	-1.03	-1.98	-1.69	-1.28	-0.89	-0.86	-1.3	-1.63	-1.59	-1.69	-2.04	- -
Price/Book Value Low	-0.66	-0.65	-0.82	-0.52	-0.73	-0.76	-0.66	-0.42	-0.4	-0.55	-0.73	-0.81	-1.17	-1.13	- -
Price/Tangible Book Value	6.69	11.21	13.49	7.81	7.32	15.14	10.89	16.44	23.09	33.72	4.34	4.58	3.37	3.54	- -
Price/Tangible Book Value Average	12.26	10.82	12.12	8.32	11.08	16.33	13.28	18.3	23.55	25.67	6.1	4.4	3.81	2.78	- -
Price/Tangible Book Value High	20.23	17.25	17.91	12.22	20.94	21.32	20.42	23.68	31.33	47.21	9.25	6.34	4.7	4.2	- -
Price/Tangible Book Value Low	5.58	8.22	10.62	6.13	7.7	9.59	10.6	11.17	14.71	20.09	4.14	3.23	3.25	2.33	- -
Price/Sales	1.87	2	2.21	1.36	1.38	2.38	1.32	1.19	1.18	1.6	1.06	1.43	1.32	1.64	- -
Price/Sales Average	3.42	1.93	1.98	1.45	2.09	2.56	1.62	1.32	1.2	1.22	1.49	1.37	1.49	1.29	- -
Price/Sales High	5.65	3.08	2.93	2.13	3.95	3.35	2.48	1.71	1.6	2.24	2.26	1.98	1.84	1.95	- -
Price/Sales Low	1.56	1.47	1.74	1.07	1.45	1.51	1.29	0.81	0.75	0.95	1.01	1.01	1.27	1.08	- -
Price/Cash Flow	10.08	14.28	37.25	12.47	23.6	29.42	71.57	100.22	19.27	20.8	9.16	14.75	17.24	11.31	- -
Price/Cash Flow Average	18.49	13.79	33.46	13.29	35.73	31.73	87.25	111.56	19.65	15.83	12.87	14.15	19.47	8.88	- -
Price/Cash Flow High	30.5	21.98	49.44	19.51	67.49	41.42	134.15	144.38	26.14	29.11	19.52	20.41	24.04	13.44	- -
Price/Cash Flow Low	8.42	10.48	29.31	9.78	24.81	18.64	69.67	68.11	12.27	12.39	8.73	10.39	16.65	7.47	- -
Price/Free Cash Flow Average	18.41	15.08	22.73	15.07	25.92	25.85	48.4	39.8	16.95	12.8	10.94	12.37	16.2	7.89	- -
Price/Free Cash Flow High	30.37	24.03	33.6	22.12	48.97	33.74	74.42	51.51	22.54	23.53	16.59	17.84	20.02	11.94	- -
Price/Free Cash Flow Low	8.38	11.45	19.92	11.09	18.01	15.18	38.65	24.3	10.58	10.01	7.42	9.08	13.86	6.63	- -
EV/Sales Average	2.78	1.35	1.42	0.83	1.39	1.84	0.96	0.74	0.8	0.81	0.89	0.93	1	0.95	- -
EV/Sales High	5.01	2.5	2.37	1.51	3.25	2.63	1.83	1.13	1.2	1.83	1.66	1.54	1.35	1.61	- -
EV/Sales Low	0.92	0.89	1.17	0.45	0.75	0.79	0.64	0.23	0.35	0.54	0.41	0.57	0.79	0.75	- -
EV/EBITDA Average	20.55	13.29	21.35	11.09	15.32	63.09	-149.86	-78.49	29.39	-697.02	5.85	8.59	10.11	11.41	-6.61
EV/EBITDA High	36.98	24.58	35.59	20.15	35.76	89.88	-285.04	-119.67	43.97	-1,577.4	10.91	14.17	13.65	19.33	-6.61
EV/EBITDA Low	6.76	8.73	17.67	6	8.29	26.9	-99.2	-23.95	12.8	-468.79	2.7	5.23	7.94	8.94	-6.61
EV/EBIT Average	23.3	15.34	27.15	14.65	18.97	135.47	-46.35	-32.04	61.92	-53.51	6.6	10.68	12.72	15.08	-10.59
EV/EBIT High	41.93	28.36	45.26	26.6	44.29	192.98	-88.17	-48.85	92.65	-121.09	12.32	17.62	17.16	25.55	-10.59
EV/EBIT Low	7.67	10.07	22.46	7.91	10.27	57.77	-30.68	-9.78	26.98	-35.99	3.05	6.5	9.98	11.82	-10.59
Last Price	1.84	2.25	2.35	1.72	1.75	2.84	1.65	1.84	1.57	2.35	1.69	2.4	2.33	3.03	2.7
High Price	5.58	3.46	3.12	2.69	5	4	3.1	2.65	2.13	3.29	3.6	3.32	3.25	3.6	3.12
Enterprise Value Average	28	15	17	10	17	24	13	10	12	13	15	17	19	19	-6
Enterprise Value High	51	28	28	18	41	34	25	16	17	29	28	28	26	32	-6
Enterprise Value Low	9	10	14	5	9	10	9	3	5	9	7	10	15	15	-6

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	10	10	10	10	11	11	11	11	11	11	11	11	11	11	11
Diluted Weighted Avg Shares	11	11	11	12	10	11	11	9	11	11	11	11	11	11	- -
Basic Weighted Avg Shares	10	10	11	10	10	11	11	9	11	11	11	11	11	11	- -
Revenue per Share	0.99	1.12	1.07	1.27	1.27	1.2	1.25	1.55	1.33	1.47	1.59	1.68	1.77	1.85	- -
EBITDA per Share	0.13	0.11	0.07	0.09	0.12	0.03	-0.01	-0.01	0.04	- -	0.24	0.18	0.17	0.15	- -
Operating Income per Share	0.12	0.1	0.06	0.07	0.09	0.02	-0.03	-0.04	0.02	-0.02	0.21	0.15	0.14	0.12	- -
Basic EPS, GAAP	0.09	0.05	0.03	0.04	0.05	- -	- -	-0.02	0.02	- -	0.31	0.13	0.16	0.16	- -
Basic EPS from Cont Ops	0.09	0.05	0.03	0.04	0.05	- -	- -	-0.02	0.02	- -	0.31	0.13	0.16	0.16	- -
Diluted EPS, GAAP	0.08	0.05	0.03	0.03	0.05	- -	- -	-0.02	0.02	- -	0.31	0.13	0.16	0.16	- -
Diluted EPS from Cont Ops	0.08	0.05	0.03	0.03	0.05	- -	- -	-0.02	0.02	- -	0.31	0.13	0.16	0.16	- -
Dividend per Share	0.04	0.16	0.04	0.04	0.04	0.05	0.05	0.06	0.05	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.18	0.16	0.06	0.14	0.07	0.1	0.02	0.02	0.08	0.11	0.18	0.16	0.14	0.27	- -
Free Cash Flow per Basic Share	0.17	0.15	0.03	0.12	0.05	0.07	- -	-0.01	0.07	0.09	0.15	0.14	0.11	0.23	- -
Cash & Equivalents per Share	0.81	0.83	0.72	0.92	0.91	0.86	0.81	0.9	0.76	1	1.15	1.3	1.35	0.85	- -
Book Value per Share	-2.32	-2.53	-2.26	-2.61	-2.53	-2.37	-2.42	-2.98	-2.48	-2.52	-2.21	-2.08	-1.92	-1.77	- -
Tangible Book Value per Share	0.28	0.2	0.17	0.22	0.24	0.19	0.15	0.11	0.07	0.07	0.39	0.52	0.69	0.86	- -

CreditRiskMonitor.com, Inc.

Profitability (USD)

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Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)