CreditRiskMonitor.com, Inc. reported a modest increase in operating revenues for the fiscal year 2025, totaling approximately $20.1 million, a rise of 2% from $19.8 million in 2024. The growth was primarily driven by an uptick in sales of its Software-as-a-Service (SaaS) subscription products, which accounted for over 99% of total revenues. However, net income saw a significant decline, dropping to $1.02 million from $1.67 million in the previous year, reflecting a decrease in income from operations and other income.
The company's operating expenses increased to $19.5 million in 2025, up from $18.6 million in 2024. This rise was attributed to higher data and product costs, which grew by 3% due to increased employee expenses and costs from third-party content providers. Selling, general, and administrative expenses also rose by 8%, driven by investments in a new Customer Relationship Management platform and an expanded sales team. Despite these challenges, the company maintained a strong cash position, with cash and cash equivalents totaling $6.2 million as of December 31, 2025.
In terms of operational metrics, CreditRiskMonitor.com reported a diverse subscriber base, with no single subscriber contributing more than 1% of total revenues. The company serves nearly 40% of the Fortune 1000 and over a thousand other large corporations globally. The filing noted that the company’s products, including its flagship CreditRiskMonitor® and SupplyChainMonitor™, are critical for corporate credit and procurement professionals, particularly in light of rising corporate bankruptcy rates, which increased by 32% over the past two years.
Strategically, CreditRiskMonitor.com has focused on enhancing its product offerings and expanding its market presence. In 2025, the company launched new features such as the Financial Analyst Strength Test (FAST) Rating and a Risk Level framework, which consolidates financial risk analytics into a simplified classification system. The company aims to increase its market share in the U.S. and expand internationally, leveraging the growing demand for financial risk analysis tools amid rising corporate debt and economic uncertainty.
Looking ahead, CreditRiskMonitor.com anticipates continued fluctuations in its operating results due to various external factors, including economic conditions and competition. The company plans to invest in product development and marketing to sustain revenue growth and improve profitability. Management remains optimistic about the long-term potential of its SaaS offerings, particularly as businesses increasingly seek efficient solutions for managing financial risk in a challenging economic landscape.
About CREDITRISKMONITOR COM INC
CreditRiskMonitor.com is a provider of SaaS subscription products that analyze business-to-business corporate financial risk. Its primary offerings include credit risk reports, bankruptcy prediction scores, and supply chain risk management tools. Serving corporate credit and procurement professionals worldwide, the company leverages proprietary algorithms and extensive data sources to deliver high-accuracy risk analytics, helping clients manage trade credit, supply chain stability, and financial distress efficiently.
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