GURUFOCUS.COM » STOCK LIST » Financial Services » Capital Markets » CreditRiskMonitor.com Inc (OTCPK:CRMZ) » Definitions » ROE %

CreditRiskMonitor.com (CreditRiskMonitor.com) ROE % : 26.05% (As of Dec. 2023)


View and export this data going back to . Start your Free Trial

What is CreditRiskMonitor.com ROE %?

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. CreditRiskMonitor.com's annualized net income for the quarter that ended in Dec. 2023 was $2.36 Mil. CreditRiskMonitor.com's average Total Stockholders Equity over the quarter that ended in Dec. 2023 was $9.06 Mil. Therefore, CreditRiskMonitor.com's annualized ROE % for the quarter that ended in Dec. 2023 was 26.05%.

The historical rank and industry rank for CreditRiskMonitor.com's ROE % or its related term are showing as below:

CRMZ' s ROE % Range Over the Past 10 Years
Min: -5.47   Med: 8.51   Max: 76.19
Current: 20.22

During the past 13 years, CreditRiskMonitor.com's highest ROE % was 76.19%. The lowest was -5.47%. And the median was 8.51%.

CRMZ's ROE % is ranked better than
82.77% of 772 companies
in the Capital Markets industry
Industry Median: 5.145 vs CRMZ: 20.22

CreditRiskMonitor.com ROE % Historical Data

The historical data trend for CreditRiskMonitor.com's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

CreditRiskMonitor.com ROE % Chart

CreditRiskMonitor.com Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.71 -1.74 76.19 19.86 20.01

CreditRiskMonitor.com Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 27.94 14.25 22.24 17.73 26.05

Competitive Comparison of CreditRiskMonitor.com's ROE %

For the Capital Markets subindustry, CreditRiskMonitor.com's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


CreditRiskMonitor.com's ROE % Distribution in the Capital Markets Industry

For the Capital Markets industry and Financial Services sector, CreditRiskMonitor.com's ROE % distribution charts can be found below:

* The bar in red indicates where CreditRiskMonitor.com's ROE % falls into.



CreditRiskMonitor.com ROE % Calculation

CreditRiskMonitor.com's annualized ROE % for the fiscal year that ended in Dec. 2023 is calculated as

ROE %=Net Income (A: Dec. 2023 )/( (Total Stockholders Equity (A: Dec. 2022 )+Total Stockholders Equity (A: Dec. 2023 ))/ count )
=1.695/( (7.57+9.368)/ 2 )
=1.695/8.469
=20.01 %

CreditRiskMonitor.com's annualized ROE % for the quarter that ended in Dec. 2023 is calculated as

ROE %=Net Income (Q: Dec. 2023 )/( (Total Stockholders Equity (Q: Sep. 2023 )+Total Stockholders Equity (Q: Dec. 2023 ))/ count )
=2.36/( (8.751+9.368)/ 2 )
=2.36/9.0595
=26.05 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is four times the quarterly (Dec. 2023) net income data. ROE % is displayed in the 30-year financial page.


CreditRiskMonitor.com  (OTCPK:CRMZ) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Dec. 2023 )
=Net Income/Total Stockholders Equity
=2.36/9.0595
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(2.36 / 19.464)*(19.464 / 23.6975)*(23.6975 / 9.0595)
=Net Margin %*Asset Turnover*Equity Multiplier
=12.12 %*0.8214*2.6158
=ROA %*Equity Multiplier
=9.96 %*2.6158
=26.05 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Dec. 2023 )
=Net Income/Total Stockholders Equity
=2.36/9.0595
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / Operating Income) * (Operating Income / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (2.36 / 3.06) * (3.06 / 2.284) * (2.284 / 19.464) * (19.464 / 23.6975) * (23.6975 / 9.0595)
= Tax Burden * Interest Burden * Operating Margin % * Asset Turnover * Equity Multiplier
= 0.7712 * 1.3398 * 11.73 % * 0.8214 * 2.6158
=26.05 %

Note: The net income data used here is four times the quarterly (Dec. 2023) net income data. The Revenue data used here is four times the quarterly (Dec. 2023) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


CreditRiskMonitor.com ROE % Related Terms

Thank you for viewing the detailed overview of CreditRiskMonitor.com's ROE % provided by GuruFocus.com. Please click on the following links to see related term pages.


CreditRiskMonitor.com (CreditRiskMonitor.com) Business Description

Traded in Other Exchanges
N/A
Address
704 Executive Boulevard, Suite A, Valley Cottage, NY, USA, 10989
CreditRiskMonitor.com Inc is engaged in the provision of business-to-business Internet-based services for credit and supply chain and financial professionals. The services include financial risk analysis and news service. It provides its services to entities based in the United States. In addition, it is also involved in the re-distribution of international credit reports in the United States.
Executives
Lisa A. Reisman director 704 EXECUTIVE BLVD., SUITE A, VALLEY COTTAGE NY 10989-2023
Brigitte W. Muehlmann director 704 EXECUTIVE BLVD., SUITE A, VALLEY COTTAGE NY 10989-2023
Richard A Lippe director 9 NOME DRIVE, WOODBURY NY 11797
Michael Ilan Flum officer: SR. VICE PRESIDENT & COO 704 EXECUTIVE BLVD SUITE A, VALLEY COTTAGE NY 10989
William B Danner officer: Chief Operating Officer 704 EXECUTIVE BLVD., VALLEY COTTAGE NY 10989
Lawrence Fensterstock officer: Snr. VP, CFO and Secretary 704 EXECUTIVE BOULEVARD, SUITE A, VALLEY COTTAGE NY 10989
Joshua Matthew Flum director 704 EXECUTIVE BOULEVARD, VALLEY COTTAGE NY 10989
Andrew Joseph Melnick director 704 EXECUTIVE BOULEVARD, VALLEY COTTAGE NY 10989
Jeffrey S Geisenheimer director 704 EXECUTIVE BOULEVARD, VALLEY COTTAGE NY 10989
Richard Joseph James director 704 EXECUTIVE BOULEVARD, SUITE A, VALLEY COTTAGE NY 10989
Leslie Charm director 704 EXECUTIVE BOULEVARD, SUITE A, VALLEY COTTAGE NY 10989
Jerome S Flum director, 10 percent owner, officer: COB, CEO & President 110 JERICHO TURNPIKE, SUITE 202, FLORAL PARK NY 11001
Partners Flum 10 percent owner 704 EXECUTIVE BOULEVARD, SUITE A, VALLEY COTTAGE NY 10989

CreditRiskMonitor.com (CreditRiskMonitor.com) Headlines

From GuruFocus

CreditRiskMonitor Declares Dividend and Appoints Officers

By Marketwired Marketwired 10-24-2019

CreditRiskMonitor 1Q Results

By Marketwired Marketwired 05-12-2020

CreditRiskMonitor Announces 1Q Results

By Marketwired Marketwired 05-09-2019

CreditRiskMonitor Declares Dividend

By Marketwired Marketwired 11-14-2018

CreditRiskMonitor Announces 3Q Results

By Marketwired Marketwired 11-13-2019

CreditRiskMonitor 2018 Operating Results

By Marketwired Marketwired 03-18-2019

CreditRiskMonitor Announces Management Changes

By GlobeNewswire GlobeNewswire 08-06-2018

CreditRiskMonitor 2019 Operating Results

By Marketwired Marketwired 03-16-2020

UPDATE: CreditRiskMonitor 1Q Results

By Marketwired Marketwired 05-12-2020