The company's FRISK® Score has a proven accuracy rate of 96% for eight consecutive years. It covers over 30 million businesses worldwide, alerting clients to risk changes across their portfolio. For 2025, operating revenue rose to $20.1 million, up 2% from 2024, driven by higher subscription sales and pricing, while net income declined to $1.0 million from $1.7 million as selling, general and administrative expenses increased 8%.
Cyborg Score Rationale
The company achieved 2% revenue growth in 2025 but experienced a 41% decline in net income despite increased SG&A expenses. It maintains a strong balance sheet with $6.2 million in cash, $12.6 million in US Treasury securities, and zero debt. However, the micro-cap status ($24.3M market cap as of April 2026) and lack of analyst coverage limit growth visibility.
Top Insights
Fortune 1000 penetration: Nearly 40% of Fortune 1000 companies rely on CreditRiskMonitor's analytics for credit decisions
Core data asset: Proprietary FRISK® Score maintains 96% accuracy rate and covers 30M+ businesses globally with real-time bankruptcy risk alerts
Financial model transition: 2% revenue growth offset by 41% net income decline (2025) due to increased operating expenses
Strong capital position: $18.8M in liquid assets (cash + Treasury securities) with zero debt provides runway but questions growth capital deployment
Named Competitors
Dun & Bradstreet — Leading commercial credit reporting and business information provider
Synchrony Financial — Consumer and commercial credit solutions provider
Recent Developments
(March 2026) CreditRiskMonitor.com posted 2025 annual results with $20.1M revenue, up 2% YoY, and $1.0M net income
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