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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 Annual (10-K)
Showing 15 of 15 annual reports available (2011 - 2025)
Breakdown TTM
(Dec 31, 2025)
FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
FY 2020
(Dec 31, 2020)
FY 2019
(Dec 31, 2019)
FY 2018
(Dec 31, 2018)
FY 2017
(Dec 31, 2017)
FY 2016
(Dec 31, 2016)
FY 2015
(Dec 31, 2015)
FY 2014
(Dec 31, 2014)
FY 2013
(Dec 31, 2013)
FY 2012
(Dec 31, 2012)
FY 2011
(Dec 31, 2011)
+ Total Revenue $20.12M $20.12M $19.81M $18.93M $17.98M $17.07M $15.73M $14.50M $13.89M $13.39M $12.81M $12.49M $12.20M $11.84M $11.06M $10.15M
Revenue Growth % 0.0% 1.6% 4.6% 5.3% 5.4% 8.5% 8.5% 4.4% 3.8% 4.5% 2.6% 2.3% 3.1% 7.0% 8.9% nan%
Cost of Revenue - - - - - - - - $5.76M $5.43M $4.94M $4.67M $4.72M $4.44M $3.73M $3.31M
+ Gross Profit - - - - - - - - $8.13M $7.96M $7.87M $7.82M $7.48M $7.40M $7.33M $6.84M
Gross Margin % nan% nan% nan% nan% nan% nan% nan% nan% 58.5% 59.5% 61.4% 62.6% 61.3% 62.5% 66.3% 67.4%
Operating Expenses $19.54M $19.54M $18.56M $17.44M $16.41M $14.76M $15.97M $14.31M $14.21M $13.66M $12.64M $11.57M $11.51M $11.22M $10.09M $8.94M
Selling General & Admin $10.27M $10.27M $9.54M $9.22M $9.04M $8.13M $9.72M $8.35M $8.26M $8.04M $7.50M $6.69M $6.57M $6.61M $6.21M $5.47M
+ Operating Income $582.03K $582.03K $1.25M $1.49M $1.57M $2.30M $-238.13K $187.21K $-321.31K $-277.93K $174.46K $916.81K $692.08K $618.90K $974.41K $1.21M
Operating Margin % 2.9% 2.9% 6.3% 7.9% 8.7% 13.5% -1.5% 1.3% -2.3% -2.1% 1.4% 7.3% 5.7% 5.2% 8.8% 11.9%
Other Income/Expense $745.96K $745.96K $918.57K $715.33K $180.76K $9.96K $26.77K $155.85K $129.11K $47.22K $27.18K $2.34K $17.13K $-38.56K $21.95K $98.59K
Income Before Tax $1.33M $1.33M $2.17M $2.21M $1.75M $3.87M $-211.35K $343.06K $-192.19K $-230.71K $201.64K $919.15K $709.20K $580.34K $996.36K $1.31M
Income Tax Expense $310.06K $310.06K $493.21K $512.37K $392.00K $509.81K $-163.93K $125.46K $-12.86K $-242.78K $149.20K $425.93K $338.65K $238.53K $466.54K $402.14K
+ Net Income $1.02M $1.02M $1.67M $1.70M $1.36M $3.36M $-47.43K $217.59K $-179.33K $12.07K $52.44K $493.22K $370.55K $341.81K $529.82K $908.59K
Net Margin % 5.1% 5.1% 8.5% 9.0% 7.6% 19.7% -0.3% 1.5% -1.3% 0.1% 0.4% 4.0% 3.0% 2.9% 4.8% 8.9%
Basic EPS nan 0.09 0.16 0.16 0.13 0.31 0.00 0.02 -0.02 0.00 0.00 0.05 0.05 0.04 0.07 0.11
Diluted EPS nan 0.09 0.16 0.16 0.13 0.31 0.00 0.02 -0.02 0.00 0.00 0.05 0.04 0.04 0.06 0.11
Basic Shares Outstanding -11K 10.8M 10.7M - - - - - - - - - - - - -
Diluted Shares Outstanding -14K 10.8M 10.8M - - - - - - - - - - - - -
Breakdown FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
FY 2020
(Dec 31, 2020)
FY 2019
(Dec 31, 2019)
FY 2018
(Dec 31, 2018)
FY 2017
(Dec 31, 2017)
FY 2016
(Dec 31, 2016)
FY 2015
(Dec 31, 2015)
FY 2014
(Dec 31, 2014)
FY 2013
(Dec 31, 2013)
FY 2012
(Dec 31, 2012)
FY 2011
(Dec 31, 2011)
Cash & Cash Equivalents $6.25M $6.67M $11.00M $9.87M $12.38M $10.30M $8.28M $8.07M $8.74M $9.22M $8.72M $7.53M $6.65M $6.42M $6.53M
Short-term Investments - - - - - - - - - - $245.47K $1.36M $1.40M $1.73M $1.75M
Accounts Receivable $3.79M $3.63M $3.94M $3.50M $2.80M $2.56M $2.29M $2.45M $2.14M $2.09M $1.93M $2.08M $1.71M $1.78M $1.55M
Other Current Assets $1.13M $929.51K $788.72K $656.38K $581.15K $589.07K $549.82K $561.86K $530.70K $487.26K $749.92K $516.59K $581.13K $548.84K $451.14K
Total Current Assets $21.79M $13.70M $19.23M $18.05M $15.77M $13.91M $11.11M $11.08M $11.41M $11.80M $11.64M $11.49M $10.34M $10.47M $10.29M
Property Plant & Equipment $415.86K $497.56K $557.63K $481.80K $606.19K $545.67K $477.97K $543.76K $437.22K $430.32K $395.03K $337.34K $422.68K $260.44K $306.81K
Goodwill $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M $1.95M
Other Non-current Assets - - $18.11K $163.47K $86.71K $84.89K $35.72K $35.61K $23.46K $23.76K $34.00K $23.68K $23.65K $21.97K $23.23K
Total Assets $26.24M $24.91M $24.07M $22.47M $20.43M $18.69M $15.96M $13.62M $13.82M $14.21M $14.02M $13.80M $12.74M $12.71M $12.57M
Accounts Payable $169.99K $319.72K $141.96K $245.85K $358.31K $130.09K $137.50K $94.77K $58.90K $96.72K $78.27K $137.26K $86.48K $44.10K $60.94K
Accrued Liabilities $2.16M $1.93M $2.11M $2.22M $1.75M $1.82M $1.34M $1.31M $1.34M $1.28M $1.24M $1.23M $1.28M $1.16M $1.09M
Deferred Revenue $10.93M $10.89M $10.27M $9.98M $9.52M $9.65M $8.65M $8.74M $8.30M $8.09M $7.44M $7.61M $6.69M $6.98M $6.47M
Total Current Liabilities $13.29M $13.14M $12.73M $12.64M $11.80M $13.06M $10.28M $10.14M $9.71M $9.47M $8.76M $8.98M $8.06M $8.18M $7.78M
Deferred Tax Liabilities $355.65K $481.42K $350.61K $332.57K $407.81K $333.43K $521.76K $490.38K - - - - - - -
Other Non-current Liabilities - - - - - - - $24.54K $15.75K $12.57K $4.31K $2.55K $5.10K $5.19K $3.71K
Total Liabilities $13.88M $13.77M $14.70M $14.90M $14.30M $15.99M $13.27M $10.66M $10.24M $10.24M $9.57M $9.73M $8.70M $8.78M $7.78M
Common Stock $107.67K $107.22K $107.22K $107.22K $107.22K $107.22K $107.22K $107.22K $107.22K $107.22K $107.22K $80.55K $79.58K $79.46K $79.20K
Retained Earnings $-18.05M $-19.07M $-20.75M $-22.44M $-23.80M $-27.17M $-27.12M $-26.80M $-26.08M $-25.56M $-25.12M $-25.18M $-25.00M $-24.95M $-23.89M
Total Stockholders Equity $12.35M $11.14M $9.37M $7.57M $6.13M $2.70M $2.69M $2.96M $3.58M $3.97M $4.46M $4.08M $4.04M $3.93M $4.79M
Total Liabilities & Equity $26.24M $24.91M $24.07M $22.47M $20.43M $18.69M $15.96M $13.62M $13.82M $14.21M $14.02M $13.80M $12.74M $12.71M $12.57M
Breakdown TTM
(Dec 31, 2025)
FY 2025
(Dec 31, 2025)
FY 2024
(Dec 31, 2024)
FY 2023
(Dec 31, 2023)
FY 2022
(Dec 31, 2022)
FY 2021
(Dec 31, 2021)
FY 2020
(Dec 31, 2020)
FY 2019
(Dec 31, 2019)
FY 2018
(Dec 31, 2018)
FY 2017
(Dec 31, 2017)
FY 2016
(Dec 31, 2016)
FY 2015
(Dec 31, 2015)
FY 2014
(Dec 31, 2014)
FY 2013
(Dec 31, 2013)
FY 2012
(Dec 31, 2012)
FY 2011
(Dec 31, 2011)
Net Income $1.02M $1.02M $1.67M $1.70M $1.36M $3.36M $-47.43K $217.59K $-179.33K $12.07K $52.44K $493.22K $370.55K $341.81K $529.82K $908.59K
Depreciation & Amortization $349.97K $349.97K $402.00K $383.77K $382.34K $296.30K $219.85K $207.22K $190.16K $191.96K $200.14K $218.62K $221.45K $168.08K $150.07K $162.48K
Stock-based Compensation $175.23K $97.48K $98.96K $103.10K $80.43K $63.71K $54.86K $54.91K $90.98K $140.32K $139.67K $127.84K $125.52K $146.23K $150.50K $136.30K
Deferred Income Tax - $-125.77K $130.81K $18.04K $-75.24K $74.37K $-188.33K $31.38K $-23.95K $-248.07K $2.95K $62.47K $-39.41K $45.50K $433.97K $391.26K
Change in Receivables $1.51M $155.66K $-310.16K $440.92K $697.02K $245.79K $269.52K $-166.66K $314.88K $49.03K $163.25K $-151.28K $371.13K $-68.57K $224.94K $144.35K
Change in Payables $-381.40K $-149.73K $177.76K $-103.90K $-112.45K $228.22K $-7.41K $42.73K $35.87K $-37.82K $18.46K $-58.99K $50.78K $42.38K $-16.84K $36.92K
Operating Cash Flow $293.57K $968.19K $2.87M $1.45M $1.74M $1.98M $1.21M $886.49K $164.57K $247.78K $1.04M - - $701.06K $1.55M $1.88M
Capital Expenditure $488.50K $268.26K $378.71K $303.89K $257.95K $356.82K $287.55K $141.44K $296.70K $198.85K $235.43K $276.31K $136.21K $330.58K $103.70K $104.93K
Purchases of Investments - - - - - - - - - - - $-1.08M $3.51K $-237.39K $13.16K $512.17K
Investing Cash Flow $-2.65M $-1.49M $-7.20M $-311.00K $-4.26M $101.42K $-746.29K $-141.44K $-296.70K $-198.85K $4.98K - - $-93.19K $-116.86K $-617.10K
Financing Cash Flow - $96.94K - - - - $1.56M $-536.12K $-536.12K $-536.12K $-536.12K - - $-380.90K $-1.54M $-374.73K
Net Change in Cash $-2.16M $-426.25K $-4.33M $1.14M $-2.51M $2.08M $2.03M $208.94K $-668.25K $-487.19K $504.44K $1.19M $880.04K $226.97K $-108.75K $888.64K
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-K filings.

Annual data represents full fiscal year results. FY = Fiscal Year ending.

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