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CREDITRISKMONITOR COM INC

CIK: 315958 SIC: 7320
$20.12M
Revenue
$1.02M
Net Income
-
Gross Margin
2.89%
Op. Margin
$-194.93K
Free Cash Flow
Financial Statements Quarterly (10-Q)
Showing 7 of 44 quarterly reports available
Breakdown Q4 2025
(Dec 31, 2025)
Q3 2025
(Sep 30, 2025)
Q2 2025
(Jun 30, 2025)
Q1 2025
(Mar 31, 2025)
Q4 2024
(Dec 31, 2024)
Q3 2024
(Sep 30, 2024)
Q2 2024
(Jun 30, 2024)
+ Total Revenue $5.10M $5.09M $5.06M $4.87M $5.06M $5.01M $4.93M
Revenue Growth % (YoY) 0.8% 1.7% 2.5% nan% nan% nan% nan%
Operating Expenses $4.79M $4.97M $4.94M $4.85M $4.20M $4.56M $4.96M
Selling General & Admin $2.47M $2.70M $2.63M $2.48M $2.03M $2.26M $2.69M
+ Operating Income $307.98K $127.42K $121.27K $25.37K $861.77K $449.25K $-25.64K
Operating Margin % 6.0% 2.5% 2.4% 0.5% 17.0% 9.0% -0.5%
Other Income/Expense $192.22K $193.22K $179.68K $180.83K $253.99K $267.09K $195.74K
Income Before Tax $500.19K $320.64K $300.95K $206.20K $1.12M $716.35K $170.09K
Income Tax Expense $115.72K $75.77K $71.43K $47.14K $249.03K $164.76K $40.91K
+ Net Income $384.47K $244.87K $229.53K $159.06K $866.73K $551.58K $129.19K
Net Margin % 7.5% 4.8% 4.5% 3.3% 17.1% 11.0% 2.6%
Basic EPS nan 0.02 0.02 0.01 0.08 0.05 0.01
Diluted EPS nan 0.02 0.02 0.01 0.08 0.05 0.01
Basic Shares Outstanding -11K 10.8M 10.8M 10.7M - 10.7M 10.7M
Diluted Shares Outstanding -14K 10.8M 10.9M 10.8M 18K 10.8M 10.8M
Breakdown Q4 2025
(Dec 31, 2025)
Q3 2025
(Sep 30, 2025)
Q2 2025
(Jun 30, 2025)
Q1 2025
(Mar 31, 2025)
Q4 2024
(Dec 31, 2024)
Q3 2024
(Sep 30, 2024)
Q2 2024
(Jun 30, 2024)
Cash & Cash Equivalents $6.25M $6.92M $5.78M $5.84M $6.67M $7.89M $12.36M
Accounts Receivable $3.79M $2.98M $4.71M $3.90M $3.63M $3.57M $3.56M
Other Current Assets $1.13M $899.74K $908.63K $1.06M $929.51K $916.28K $1.05M
Total Current Assets $21.79M $16.89M $15.15M $12.28M $13.70M $14.85M $20.56M
Property Plant & Equipment $415.86K $432.03K $509.03K $417.84K $497.56K $544.10K $560.84K
Goodwill $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M
Other Non-current Assets - - - - - $18.11K $18.11K
Total Assets $26.24M $25.87M $26.13M $24.44M $24.91M $25.73M $25.30M
Accounts Payable $169.99K $191.62K $219.31K $188.46K $319.72K $72.89K $78.81K
Accrued Liabilities $2.16M $2.08M $1.67M $1.16M $1.93M $2.40M $1.98M
Deferred Revenue $10.93M $10.89M $11.82M $10.99M $10.89M $10.86M $11.36M
Total Current Liabilities $13.29M $13.20M $13.71M $12.34M $13.14M $13.55M $13.64M
Deferred Tax Liabilities $355.65K $481.42K $481.42K $481.42K $481.42K $350.61K $350.61K
Total Liabilities $13.88M $13.92M $14.45M $13.11M $13.77M $15.48M $15.63M
Common Stock $107.67K $107.67K $107.67K $107.22K $107.22K $107.22K $107.22K
Retained Earnings $-18.05M $-18.44M $-18.68M $-18.91M $-19.07M $-19.94M $-20.49M
Total Stockholders Equity $12.35M $11.95M $11.68M $11.33M $11.14M $10.25M $9.67M
Total Liabilities & Equity $26.24M $25.87M $26.13M $24.44M $24.91M $25.73M $25.30M
Breakdown Q4 2025
(Dec 31, 2025)
Q3 2025
(Sep 30, 2025)
Q2 2025
(Jun 30, 2025)
Q1 2025
(Mar 31, 2025)
Q4 2024
(Dec 31, 2024)
Q3 2024
(Sep 30, 2024)
Q2 2024
(Jun 30, 2024)
Net Income $384.47K $244.87K $229.53K $159.06K $866.73K $551.58K $129.19K
Depreciation & Amortization $68.87K $78.34K $117.04K $85.72K $110.42K $97.51K $194.06K
Stock-based Compensation $24.25K $73.23K $50.47K $27.29K $25.07K $73.89K $47.61K
Change in Receivables $810.02K $-654.35K $1.08M $265.93K $64.95K $-375.12K $-383.94K
Change in Payables $-21.64K $-128.09K $-100.41K $-131.26K $246.83K $-69.07K $-63.15K
Operating Cash Flow $-617.47K $1.59M $162.97K $-837.59K $662.45K $2.21M $1.56M
Capital Expenditure $52.69K $215.57K $214.23K $6.00K $100.67K $278.04K $197.26K
Investing Cash Flow $-52.69K $-1.44M $-1.16M $309.00 $-1.88M $-5.33M $-208.19K
Financing Cash Flow - $96.94K $96.94K - - - -
Net Change in Cash $-670.17K $243.92K $-895.59K $-837.28K $-1.21M $-3.12M $1.35M
SEC Filing Format - Data shown as it appears in the Q3 2025 (10-Q) filing Period ended: Sep 30, 2025
Condensed Consolidated Statements of Operations
Description Sep 30, 2025 Sep 30, 2025
Current Prior Year Current YTD Prior Year YTD
Total Revenue $5.09M $5.01M $15.03M $14.75M
Operating Expenses $4.97M $4.56M $14.75M $14.36M
Selling General & Admin $2.70M $2.26M $7.80M $7.51M
Operating Income $127.42K $449.25K $274.06K $387.77K
Other Income/Expense $193.22K $267.09K $553.74K $664.59K
Income Before Tax $320.64K $716.35K $827.79K $1.05M
Income Tax Expense $75.77K $164.76K $194.34K $244.18K
Net Income $244.87K $551.58K $633.46K $808.17K
Basic EPS 0.02 0.05 0.06 0.08
Diluted EPS 0.02 0.05 0.06 0.08
Basic Shares Outstanding $10.77M $10.72M $10.77M $10.72M
Diluted Shares Outstanding $10.85M $10.77M $10.85M $10.76M
Condensed Consolidated Balance Sheets
Description Sep 30, 2025 Dec 31, 2024
Cash & Cash Equivalents $6.92M $6.67M
Accounts Receivable $2.98M $3.63M
Other Current Assets $899.74K $929.51K
Total Current Assets $16.89M $13.70M
Property Plant & Equipment $432.03K $497.56K
Goodwill $1.95M $1.95M
Total Assets $25.87M $24.91M
Accounts Payable $191.62K $319.72K
Accrued Liabilities $2.08M $1.93M
Deferred Revenue $10.89M $10.89M
Total Current Liabilities $13.20M $13.14M
Deferred Tax Liabilities $481.42K $481.42K
Total Liabilities $13.92M $13.77M
Common Stock $107.67K $107.22K
Retained Earnings $-18.44M $-19.07M
Total Stockholders Equity $11.95M $11.14M
Total Liabilities & Equity $25.87M $24.91M
Condensed Consolidated Statements of Cash Flows
Description Sep 30, 2025 Sep 30, 2025
Current Prior Year Current YTD Prior Year YTD
Net Income $244.87K $551.58K $633.46K $808.17K
Depreciation & Amortization $78.34K $97.51K $281.10K $291.58K
Stock-based Compensation - - $73.23K $73.89K
Change in Receivables - - $-654.35K $-375.12K
Change in Payables - - $-128.09K $-69.07K
Operating Cash Flow - - $1.59M $2.21M
Capital Expenditure - - $215.57K $278.04K
Investing Cash Flow - - $-1.44M $-5.33M
Financing Cash Flow - - $96.94K -
Net Change in Cash - - $243.92K $-3.12M

All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-Q filings.

Quarterly data represents single quarter results (Q1-Q4). Some items may show year-to-date values if quarterly breakdown is unavailable.

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