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CBL International Limited (BANL)

Nasdaq: BANL · Wholesale-Petroleum & Petroleum Products (No Bulk Stations) · Kuala Lumpur, MY · filing with the SEC since 2022
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Grade4.2
◀ Past 5.0● Present 4.5▶ Future 3.0
2 est.
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The grade of CBL International Limited

Nine metrics read from its own filings, by tense
Headline grade
4.2/10
◀ Past5.025% of the headline
● Present4.545% of the headline
▶ Future3.030% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.0/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
7.1/10

Has it survived what it has been through?

No warning events in its filings since 2022.

weight 45% of this tense · 71st percentile among 36 sector filers · read for itself

From the record

CBL International Limited's filings since 2022 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.9/10

What has it actually done, year after year?

+13.3% a year over 5 filed years; profitable in 3 of 5.

weight 33% of this tense · 49th percentile among 35 sector filers · read for its customers

From the record

CBL International Limited's 5 filed years say what it did: revenue went from $327 million in fiscal 2021 to $538 million in fiscal 2025, up 13.3% a year; it rose in 2 of 4 years; the deepest fall was 9% from fiscal 2024 to fiscal 2025; net income was positive in 3 of 5 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span13.3%top 21% of its family
  • the share of years revenue rosebottom 37% of its family
  • the share of filed years with a profitbottom 17% of its family
  • the deepest fall from a revenue peak9.1%top 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate
1.1/10

How has it treated the people who own it?

SI estimate 1.1/10, confidence 35 of 100 (one part).

weight 22% of this tense · 11th percentile among 34 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, the share count over the years, which ranks in the bottom 11% of 34 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned
one part: the share count over the years, the one part on file, ranked among 34 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CBL International Limited's shareholder treatment is put at 1.1 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 11% of 34 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

4.5/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
2.9/10

Is it financially healthy right now?

ROE -15%: lost 15¢ per shareholder dollar. Leverage 74%: owes 74¢ per asset dollar.

weight 33% of this tense · 29th percentile among 33 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, CBL International Limited lost about 15 cents for every dollar of shareholders' money, and gross profitability: its products earned about 6 cents per dollar of everything the company owns. Leverage: it owed about 74 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 29% of its family
  • return on equitybottom 24% of its family
  • gross profit against assetsbottom 11% of its family
  • the share count against the year beforetop 48% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.2/10

How strong is its position in its industry?

top 48% of 35 in its family; net margin -0.6%.

weight 45% of this tense · 52nd percentile among 35 sector filers · read for its customers

From the record

CBL International Limited's standing among 35 graded names in its industry family: revenue of $538 million in fiscal 2025 ranks in the bottom 37% by size; a net margin of -0.6% ranks in the bottom 41%; revenue growth of 5.2% a year over the last 3 filed years ranks in the top 21% (its annual reports).

What it rests on

  • revenue against the family$538Mbottom 37% of its family
  • net margin-0.6%bottom 41% of its family
  • three-year revenue growth5.2%top 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.2/10

What are the people in charge doing?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 24 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there, so the desk assumes the typical reading of its industry family, the median of 24 members with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there.
How it was reasoned
family median, 24 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: CBL International Limited's leadership is put at 5.2 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there, so the desk assumes the typical reading of its industry family, the median of 24 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.0/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
4.5/10

How much room does it have to grow?

bottom 45% of 35 in its family for room to expand.

weight 33% of this tense · 45th percentile among 35 sector filers · read for itself

From the record

CBL International Limited's room to grow, from the newest filed statements (fiscal 2025): cash of $9 million against no long-term debt tagged leaves 12.3% of its assets as net cash, top 19% of its family; cash from operations less capital spending is 0.7% of revenue (bottom 44%); a gross margin of 0.8% (bottom 11%) (its annual report).

What it rests on

  • cash less debt against assets12.3%top 19% of its family
  • cash from operations less capital spending against revenue0.7%bottom 44% of its family
  • gross margin0.8%bottom 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
2.3/10

What could actually drive growth from here?

bottom 23% of 35 in its family for growth drivers.

weight 33% of this tense · 23rd percentile among 35 sector filers · read for its customers

From the record

CBL International Limited's growth drivers, from the filed years to fiscal 2025: revenue grew 5.2% a year over the last three filed years against 13.3% over all 5, slowing (bottom 39% of its family); the newest year grew -9.1% (bottom 24%); capital spending grew -80.8% a year (bottom 5%) (its annual reports). CBL International Limited tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-8.2 points a yearbottom 39% of its family
  • the newest year's revenue growth-9.1%bottom 24% of its family
  • three-year growth of capital spending-80.8%bottom 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
2.2/10

Did its newest year beat what its own record pointed to?

bottom 22% of 32 in its family for expectations against reality.

weight 33% of this tense · 22nd percentile among 32 sector filers · read for its shareholders

From the record

CBL International Limited's newest year against its own record: revenue of $538 million in fiscal 2025 came in 19.7% below the $670 million its prior three years' pace pointed to (bottom 14% of its family); net income of $3 million against a prior three-year average of $315 thousand (bottom 6%); a net margin of -0.6% against 0.1% before (bottom 45%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-19.7%bottom 14% of its family
  • net income against the prior three years' averagefive times below its prior average or morebottom 6% of its family
  • net margin against its prior average-0.7 pointsbottom 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton BANL · research, not advice