CreditRiskMonitor.com, Inc. reported its financial results for the third quarter and the first nine months of fiscal 2025, revealing a modest increase in operating revenues and a decline in net income compared to the previous year. For the three months ended September 30, 2025, the company generated operating revenues of $5.1 million, a 2% increase from $5.0 million in the same period of 2024. However, net income fell to $244,868, down from $551,582 in the prior year, reflecting a decrease in income before income taxes and higher selling, general, and administrative expenses.
In the nine-month period ending September 30, 2025, CreditRiskMonitor's operating revenues reached $15.0 million, also a 2% increase from $14.8 million in the same period of 2024. Net income for this period was $633,457, down from $808,175 in the previous year. The decline in profitability was attributed to increased operational costs, particularly in selling, general, and administrative expenses, which rose by 20% in the third quarter due to investments in a new Customer Relationship Management platform and an expanded sales team.
The company’s balance sheet showed improvements in liquidity, with cash and cash equivalents increasing to $6.9 million as of September 30, 2025, compared to $6.7 million at the end of 2024. Total held-to-maturity securities also rose to approximately $12.6 million, up from $11.2 million. The current liabilities primarily consisted of unexpired subscription revenue, which totaled $10.9 million, indicating a stable revenue stream from its SaaS subscription products.
Operationally, CreditRiskMonitor reported a slight increase in customer engagement, with a focus on enhancing its service offerings. The company continues to prioritize growth strategies, including the expansion of its sales force and improvements in customer service. Despite the challenges posed by a fluctuating economic environment, management remains optimistic about future growth, emphasizing the importance of maintaining subscriber satisfaction and exploring new product lines.
Looking ahead, CreditRiskMonitor plans to continue its investment in product development and marketing to sustain revenue growth. The company acknowledges potential risks, including economic conditions and competition, which could impact its financial performance. However, it believes that its current cash reserves and operational strategies will support its objectives for the foreseeable future.
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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