Recent developments include the announcement of 2025 full-year results, quarterly earnings releases, executive appointments, and achievement of SOC 2 Type 1 compliance. Market conditions reflect broader economic factors impacting financial markets.

• CreditRiskMonitor announced its 2025 results on March 24, 2026, providing updated financial performance data [N5].
• The company released its third quarter 2025 results on November 10, 2025 [N6].
• Second quarter 2025 results were announced on August 6, 2025 [N7].
• First quarter 2025 results were announced on May 8, 2025 [N8].
• The company appointed Shyarsh Desai as Chief Operating Officer in April 2025 [N7].
• CreditRiskMonitor.com achieved SOC 2 Type 1 compliance as announced on January 23, 2026 [N5].
• Market news on August 19, 2026, noted stocks supported by lower bond yields and other macroeconomic factors [N1].
• Stocks finished lower on August 19, 2026, influenced by chipmakers and AI stock weakness [N2].
• Dollar slumped and gold rallied as US Treasury increased buybacks on August 19, 2026 [N3].

CreditRiskMonitor.com’s specialized SaaS platforms offer high-value financial risk analytics with proprietary bankruptcy prediction models that have demonstrated strong predictive accuracy. The company’s extensive trade contributor data and subscriber base provide a competitive edge in delivering timely and actionable credit risk information. Its focus on automation and cost efficiency supports sustainable operations. The growing complexity of supply chains and increasing corporate bankruptcy rates may drive demand for its products. The company’s ability to expand international coverage and upsell add-on products could enhance revenue per subscriber.

The company operates in a competitive market dominated by larger firms such as Dun & Bradstreet, Experian, and Equifax, which may limit market share growth. Its reliance on subscription revenues and upfront annual payments exposes it to risks from subscriber churn or reduced discretionary spending by customers during economic downturns. The disclosed material weakness in internal controls related to tax nexus requirements poses operational risks. The company’s liquidity, while currently sufficient, could be strained if acquisitions or licensing require additional capital. Cybersecurity risks and evolving data privacy regulations may also impact operations and costs.

CreditRiskMonitor.com’s moat is based on its proprietary bankruptcy prediction models (FRISK® and PAYCE® scores) that incorporate unique subscriber sentiment data, enhancing predictive accuracy. The company’s extensive trade contributor data program, aggregating approximately $3 trillion in annualized trade credit transactions, provides a valuable data advantage. Its SaaS delivery model with automated data processing and a long-established subscriber base, including a substantial portion of the Fortune 1000, supports customer retention and recurring revenue. The company’s specialized focus on financial risk analytics for trade credit and supply chain management differentiates it from broader credit information providers. However, competition from larger firms with broader product portfolios and greater resources remains a challenge.

• Competition Risk: The company faces competition from larger, well-established credit information providers which may limit its market share and pricing power.
• Subscriber Concentration and Churn: Although no single subscriber accounts for more than 1% of revenue, loss of multiple subscribers or reduced discretionary spending could impact revenues.
• Operational and Control Risks: The company disclosed a material weakness in internal controls related to state and local tax nexus requirements, which could affect financial reporting and compliance.
• Liquidity and Capital Needs: The company has no debt and sufficient liquidity currently, but acquisitions or licensing could require raising capital, which may not be available on favorable terms.
• Cybersecurity and Data Privacy: The company’s operations depend on protecting information systems and data from evolving cybersecurity threats and complying with data privacy regulations.

• CreditRiskMonitor.com, Inc. is a Nevada corporation organized in 1977, currently operating as a Software-as-a-Service (SaaS) provider focused on business-to-business (B2B) corporate financial risk analysis.
• The company offers SaaS subscription products primarily under the brands CreditRiskMonitor® and SupplyChainMonitor™.
• CreditRiskMonitor® provides subscribers with access to commercial credit reports, bankruptcy risk analytics, financial and payment information, and curated news on public and private companies worldwide.
• SupplyChainMonitor™ is designed for procurement, sourcing, supply chain, and finance personnel to support supplier lifecycle decisions, risk assessment, and ongoing risk monitoring with features including supplier location mapping and real-time event overlays.
• The company’s proprietary FRISK® score predicts bankruptcy risk for public companies with 96% accuracy at least three months before filing; the PAYCE® score predicts bankruptcy risk for private companies with approximately 80% accuracy.
• Subscribers include nearly 40% of the Fortune 1000 and over a thousand other large corporations worldwide.
• The company’s SaaS products are sold primarily through upfront annual payments and represent over 99% of operating revenues.
• The company’s revenue for the quarter ended March 31, 2026 was approximately $4.99 million, with net income of about $58,312 and basic and diluted EPS of $0.01.
• As of March 31, 2026, the company had cash and cash equivalents of approximately $5.7 million, current assets of about $21.7 million, current liabilities of about $12.1 million, resulting in a current ratio of 1.79 and a cash ratio of 0.47.
• The company has no debt and no bank lines of credit or other currently available credit sources.
• The company’s main current liability is unexpired subscription revenue, which is recognized as income over the subscription term (approximately 12 months) and does not require significant future cash outlay.
• The company’s business model relies on proprietary algorithms and weighting techniques to process data from multiple sources including Nationally Recognized Statistical Rating Organizations (NRSROs), the London Stock Exchange Group, and confidential subscriber trade data.
• The company’s products help corporate credit professionals manage trade credit risk and supplier financial risk efficiently under time pressure and budget constraints.
• The company faces competition from larger firms such as Dun & Bradstreet, Experian, and Equifax, with CreditRiskMonitor.com representing a small share of the total addressable market.
• The company’s management team has an average tenure of approximately 14 years, with experience in commercial credit evaluation and SaaS development.
• The company has disclosed a material weakness in internal controls related to state and local tax nexus requirements and is taking steps to address it.
• The company’s liquidity is supported by cash, cash equivalents, and cash generated from operations, which management believes is sufficient for at least the next 12 months and foreseeable future.
• The company’s SaaS products include add-ons such as Credit Limit Service, which helps subscribers manage credit limits for customers based on financial strength changes.
• The company’s Trade Contributor Program aggregates approximately $3 trillion in annualized trade credit transaction data to enhance payment behavior scores.
• The company’s SupplyChainMonitor™ product includes macro-level risk information on 180 countries across 10 risk categories powered by the Economist Intelligence Unit (EIU).
• The company’s recent news includes announcements of quarterly and annual results, appointments of key executives, and achievement of SOC 2 Type 1 compliance.
• The company’s shares outstanding as of August 19, 2026 were approximately 10.77 million.
• The company’s recent quarterly results show operating revenues around $5 million per quarter with net income fluctuating but positive in recent periods.