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View Plans2-year trend showing gross, operating, and net profit margins
Credit Analysis and Research's net profit margin of 32.5% in FY2021 reflects excellent profitability, with operating margin at 42.6% and gross margin at 57.2%.
In FY 2021, Credit Analysis and Research posted a gross margin of 57.2%, an operating margin of 42.6%, a net margin of 32.5%. Gross Margin = (Revenue - COGS) / Revenue; Operating Margin = EBIT / Revenue; Net Margin = Net Income / Revenue. Typical healthy ranges: Gross 20-40%, Operating 10-20%, Net 5-10%+. Consistent or improving margins indicate strong competitive positioning.
2-year trend showing revenue, gross profit, and net profit
Credit Analysis and Research's revenue grew 14.8% to 2.80B and net profit grew 10.4% to 909.66M YoY in FY2021, indicating healthy business momentum.
In FY 2021, Credit Analysis and Research's revenue grew by 14.8% year-over-year. Revenue is total income from operations. Gross Profit is revenue minus cost of goods. Net Profit is the bottom line after all expenses. Consistent growth across all three signals a healthy, expanding business.
2-year trend showing shareholder returns
Credit Analysis and Research's ROE of 15.3% in FY2021 indicates good shareholder returns.
In FY 2021, Credit Analysis and Research reported an ROE of 15.3%. ROE = (Net Income / Shareholders' Equity) x 100. Measures how efficiently the company turns equity into profit. Above 15% is generally strong; above 25% is excellent. Very high ROE may signal high leverage — check alongside debt levels.
2-year trend comparing profitability with cash generation
Credit Analysis and Research's FCF/NI ratio of 0.90x in FY2021 indicates reasonable cash generation relative to profits.
In FY 2021, Credit Analysis and Research's free cash flow trailed net income. Free Cash Flow = Operating Cash Flow - Capital Expenditure. When FCF exceeds net income, it suggests high-quality, cash-backed earnings. Persistent gaps may indicate aggressive accounting or heavy capex needs.
2-year trend comparing profitability with cash from operations
Credit Analysis and Research's OCF/NI ratio of 0.95x in FY2021 indicates reasonable cash conversion from operations.
In FY 2021, Credit Analysis and Research's operating cash flow trailed net income. Operating Cash Flow is the actual cash from core operations. OCF exceeding net income signals strong cash collection. OCF trailing net income may indicate aggressive revenue recognition or working capital issues.
Measure a company's financial leverage, liquidity, and ability to meet financial obligations.
2-year trend showing short-term liquidity position
Credit Analysis and Research's current ratio of 10.34x in FY2021 indicates excessively high liquidity that may signal inefficient asset management.
In FY 2021, Credit Analysis and Research reported a current ratio of 10.34. Current Ratio = Current Assets / Current Liabilities. Measures short-term liquidity. A ratio of 1.5-3.0 is generally healthy; below 1.0 signals liquidity risk; above 3.0 may indicate underutilized assets.
2-year trend showing ability to service debt
Credit Analysis and Research's interest coverage ratio of 193.1x in FY2021 indicates comfortable debt servicing capacity.
In FY 2021, Credit Analysis and Research reported an interest coverage ratio of 193.1x. Interest Coverage = EBIT / Interest Expense. Shows how many times operating profit covers interest payments. Above 5x is comfortable; below 1.5x signals potential difficulty servicing debt.
2-year trend showing financial leverage and capital structure
Debt-to-Equity = Total Debt / Total Equity. Below 1.0 is conservative; 1.0-2.0 is moderate; above 2.0 indicates higher financial risk. Capital-intensive industries naturally carry higher ratios.
2-year trend showing total debt with year-over-year changes
Total Debt includes short-term debt, long-term loans, debentures, and capital leases. YoY changes (shown as percentages) reveal whether the company is leveraging up or deleveraging.
Year-over-year change in diluted shares outstanding
Credit Analysis and Research's diluted shares remained virtually unchanged in FY2021.
Over 2 years (FY2020–FY2021), diluted shares remained essentially unchanged at 29.46M.
In FY 2021, Credit Analysis and Research's diluted shares decreased by 0.0% year-over-year. Diluted Shares accounts for stock options, warrants, and convertibles. Positive YoY change means dilution (red); negative means buybacks (green). Consistent dilution above 5% annually is a red flag.
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Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: FY 2021