Recent developments include quarterly financial results announcements, executive appointments, and achievement of SOC 2 Type 1 compliance, reflecting ongoing operational and governance enhancements.

• CreditRiskMonitor announced its third quarter results for 2025, continuing its pattern of quarterly financial disclosures [N1].
• The company reported second quarter results for 2025, maintaining transparency on financial performance [N2].
• First quarter results for 2025 were announced, providing updates on operating revenues and net income [N3].
• In April 2025, CreditRiskMonitor appointed Shyarsh Desai as Chief Operating Officer, indicating leadership strengthening [N4].
• The company announced its 2024 full-year results in March 2025, summarizing annual financial performance [N5].
• Third quarter results for 2024 were disclosed in November 2024, continuing regular financial reporting [N6].
• Second quarter results for 2024 were announced in August 2024, maintaining consistent communication with stakeholders [N7].
• First quarter results for 2024 were reported in May 2024, providing early-year financial updates [N8].

CreditRiskMonitor.com benefits from increasing corporate bankruptcy rates and the growing importance of trade credit risk management, driving demand for its SaaS subscription products. Its proprietary FRISK® and PAYCE® bankruptcy prediction scores, supported by extensive subscriber data and expert sentiment, provide a competitive advantage in accuracy and relevance. The SupplyChainMonitor™ product addresses rising supply chain risks amid geopolitical and macroeconomic pressures, offering differentiated features such as real-time event overlays and macro risk analytics. The company’s strategy to expand U.S. market share and international penetration, along with upselling add-on products and seat licenses, supports revenue growth potential. Its low-cost, automated data processing model enhances profitability and scalability. Recent executive appointments and SOC 2 Type 1 compliance demonstrate operational strengthening and commitment to information security.

CreditRiskMonitor.com faces competition from larger, well-established firms like Dun & Bradstreet, which have significantly greater scale and resources. The company’s market share remains small relative to the total addressable market, limiting pricing power and growth. Economic downturns or weakened business conditions could reduce subscriber discretionary spending on financial risk information, impacting revenues. The company’s reliance on subscription renewals and upfront payments exposes it to customer churn risks. Cybersecurity threats and evolving information system risks pose operational vulnerabilities. The company’s liquidity, while currently sufficient, could be strained if acquisitions or technology licensing require additional capital, which may not be available on favorable terms. The niche focus on trade credit and supply chain risk may limit diversification opportunities.

CreditRiskMonitor.com’s moat derives from its proprietary bankruptcy prediction models (FRISK® and PAYCE®) that incorporate extensive subscriber usage data and expert sentiment, enabling high predictive accuracy. The company’s extensive and curated commercial credit database, combined with automated data processing and selective analyst review, supports a cost-efficient and high-quality SaaS offering. Its Trade Contributor Program provides unique payment behavior insights aggregated from subscriber data, enhancing the value of its credit risk scores. The company’s integration of financial, news, and public record data into user-friendly platforms with proactive alerts creates switching costs for subscribers. Additionally, its focus on supply chain risk management with real-time event overlays and macro risk data addresses emerging market needs amid geopolitical and economic shifts. The company’s long-standing relationships with subscribers, including a substantial portion of Fortune 1000 firms, and its specialized analytics contribute to a defensible competitive position.

• Competitive Risk: The company competes with larger firms such as Dun & Bradstreet that have greater scale and resources, which may limit market share growth and pricing power.
• Economic Sensitivity: Economic downturns or weakened business conditions could reduce subscriber discretionary spending on financial risk information, negatively impacting revenues.
• Customer Concentration Risk: Although no single subscriber accounts for more than 1% of revenue, loss of multiple subscribers or increased churn could materially affect financial results.
• Cybersecurity Risk: The company’s information systems and those of its third-party providers face evolving cybersecurity threats that could disrupt operations or compromise data.
• Liquidity and Capital Risk: While current liquidity is sufficient, future acquisitions or licensing may require additional capital, which may not be available or on favorable terms.

• CreditRiskMonitor.com, Inc. is a SaaS subscription company focused on providing business-to-business (B2B) corporate financial risk analysis products.
• The company’s primary SaaS products are CreditRiskMonitor® and SupplyChainMonitor™ which provide commercial credit reports, bankruptcy risk analytics, financial and payment information, and curated news on public and private companies worldwide.
• CreditRiskMonitor® is used mainly by corporate credit professionals to assess trade credit risk and manage counterparty risk, featuring bankruptcy prediction scores (FRISK® and PAYCE®), financial statement analyses, and alerts.
• SupplyChainMonitor™ is designed for procurement, sourcing, supply chain, and finance personnel to manage supplier lifecycle decisions and risk monitoring, including supplier location mapping with real-time event overlays.
• The company’s FRISK® score claims 96% accuracy in identifying public company bankruptcies at least three months before filing, and PAYCE® score has about 80% predictive accuracy for private companies.
• The company’s SaaS subscription products accounted for over 99% of operating revenues in fiscal years 2024 and 2025, with most revenues paid upfront annually.
• Subscribers include nearly 40% of the Fortune 1000 and over a thousand other large corporations worldwide, with no single subscriber representing more than 1% of revenues.
• The company’s Trade Contributor Program aggregates approximately $3 trillion in annualized trade credit transaction data from subscribers’ accounts receivable systems.
• CreditRiskMonitor.com’s products are delivered via web platforms with automated data sourcing, proprietary algorithms, and selective analyst review to maintain quality and cost efficiency.
• The company’s main competitor is Dun & Bradstreet, whose Finance & Risk vertical generated approximately $1.375 billion in 2024, while CreditRiskMonitor.com estimates its revenue represents a little more than 1% of the total addressable market.
• The company’s 2025 fiscal year ended December 31, 2025, with reported revenue of approximately $20.1 million and net income of about $1.02 million, basic and diluted EPS of $0.09 per share.
• As of December 31, 2025, the company had cash and cash equivalents of approximately $6.25 million, current assets of about $21.8 million, current liabilities of about $13.3 million, resulting in a current ratio of 1.64 and a cash ratio of 0.47.
• The company had no debt as of the latest filings and believes existing cash and cash generated from operations are sufficient to meet cash requirements for at least the next 12 months.
• The company operates remotely without a physical headquarters and has a senior management team with an average tenure of approximately 14 years.
• Recent executive appointments include Shyarsh Desai as Chief Operating Officer in April 2025.
• The company has achieved SOC 2 Type 1 compliance as of January 2026, indicating attention to information security controls.
• The company’s 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 SaaS products are sold worldwide with options for North American or Worldwide service coverage, and additional private company data enhancements available for purchase.
• The company’s SupplyChainMonitor™ product includes macro-level risk information on 180 countries across 10 risk categories powered by the Economist Intelligence Unit.
• The company’s financial results show steady revenue growth and profitability with operating expenses primarily consisting of data/product costs and selling, general and administrative expenses.
• The company’s liquidity position improved in 2025 with increased cash and held-to-maturity securities, and working capital was positive.
• The company’s main current liability is unexpired subscription revenue, which is recognized as income over the subscription term and does not require significant future cash outlay.
• The company faces cybersecurity risks typical for information services companies and has agreements with third parties for hardware, software, and telecommunications services.
• The company’s strategic goals include growth in U.S. market share, international penetration, broadening services supplied, and maintaining low-cost provider status.