CreditRiskMonitor.com, Inc.

CreditRiskMonitor.com, Inc. (CRMZ) reported solid FY 2025 results with operating revenues of $20.1 million, up 2% from $19.8 million in 2024, driven by increased SaaS subscription product sales to new and existing subscribers plus related price increases. SaaS subscriptions comprised over 99% of revenues. However, profitability declined as net income fell to $1.0 million from $1.7 million, reflecting higher operating expenses totaling $19.5 million (up from $18.6 million). Key pressures included data and product costs rising 3% to $8.9 million due to salaries, third-party content, and hosting; SG&A expenses up 8% to $10.3 million from sales team expansion and new CRM platform. Income from operations dropped to $582K (3% margin) from $1.25M (6%). Other income of $746K partially offset, yielding income before taxes of $1.3M. Balance sheet remains strong with $26.2M total assets, $6.2M cash, no debt, and $12.4M stockholders' equity. Operating cash flow was $968K, supporting investing activities. Management highlights rising U.S. corporate bankruptcies (32% increase 2023-2025) boosting demand, with goals for U.S. market share growth, international expansion, and new products amid economic uncertainty.

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