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OPRX US Equity

OptimizeRx CorpIndustrials · Services-Business Services, NEC · CIK 1448431 · FY ends Dec 31
$7.71
-0.25 (-3.14%)
USD · as of 2026-08-21 · marketstack

OPRX · 10-K · period ended 2024-12-31

← all OPRX documents
filed 2025-03-20 · EDGAR original ↗

Our rendering of the filing — original pagination and typography are not reproduced, and tables are reduced to their short label cells (the figures live on FA). Nothing is summarized: every line below is the filing's own text.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-K

☒ ANNUAL REPORT UNDER SECTION 13 OR

15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2024

☐ TRANSITION

REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _________ to ________

Commission file number: 001-38543

OptimizeRx Corporation

(Exact name of registrant as specified in its charter)

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number: 248-651-6568

Securities registered under Section 12(b) of the

Exchange Act:

Title of each class Trading Symbol Name of each exchange on which registered

Common Stock, par value $0.001 OPRX NASDAQ Capital Market

Securities registered under Section 12(g) of the

Exchange Act: None

Indicate by check mark if the registrant is a

well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐ No ☒

Indicate by check mark if the registrant is

not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ☐

No ☒

Indicate by checkmark whether the registrant (1)

has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months

(or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements

for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the

registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T

(§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to

submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant

is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company.

See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,”

and “emerging growth company” in Rule 12b-2 of the Exchange Act.

☐ Large accelerated filer ☐ Accelerated filer

☒ Non-accelerated filer ☒ Smaller reporting company

☐ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant

has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant

to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant

has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial

reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or

issued its audit report. ☐

If securities are registered pursuant to Section

12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction

of an error to previously issued financial statements. ☐

Indicate by check mark whether any of those error

corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant’s

executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐

Indicate by check mark whether the

registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

State the aggregate market value of the voting and non-voting common

equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked

price of such common equity, as of the last business day of the registrant’s most recently completed second fiscal quarter. $179,568,360

Indicate the number of shares outstanding of each

of the registrant’s classes of common stock, as of the latest practicable date. 18,490,385 common shares as of March 11, 2025.

DOCUMENTS INCORPORATED BY REFERENCE

Certain portions of the registrant’s definitive

proxy statement, in connection with its 2025 Annual Meeting of Shareholders, to be filed with the Securities and Exchange Commission within

120 days after December 31, 2024, are incorporated by reference into PART III of this Annual Report on Form 10-K.

TABLE OF CONTENTS

Page

PART I

Item 1. Business 1

Item 1A. Risk Factors 5

Item 1B. Unresolved Staff Comments 18

Item 1C. Cybersecurity 18

Item 2. Properties 20

Item 3. Legal Proceedings 20

Item 4. Mine Safety Disclosures 20

Item 4.1. Information about Our Executive Officers 20

PART II

Item 6. Reserved 22

Item 7A. Quantitative and Qualitative Disclosures about Market Risk 30

Item 8. Financial Statements and Supplementary Data 31

Item 9A. Controls and Procedures 32

Item 9B. Other Information 33

Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections 33

PART III

Item 10. Directors, Executive Officers and Corporate Governance 34

Item 11. Executive Compensation 34

Item 14. Principal Accountant Fees and Services 34

PART IV

Item 15. Exhibits and Financial Statement Schedules 35

i

FORWARD LOOKING STATEMENT

This Annual Report on Form 10-K contains statements

that relate to future events and expectations and, as such, constitute forward-looking statements, within the meaning of the Private Securities

Litigation Reform Act of 1995. Certain statements, other than purely historical information, including estimates, projections, statements

relating to our strategies, outlook, business and financial prospects, business plans, objectives, and expected operating results, and

the assumptions upon which those statements are based, are “forward-looking statements.” These forward-looking statements

generally are identified by the words “believes,” “project,” “expects,” “anticipates,”

“estimates,” “intends,” “strategy,” “plan,” “may,” “will,” “would,”

“will be,” “will continue,” “will likely result,” and similar expressions. Forward-looking statements

are based on current expectations and assumptions that are subject to risks and uncertainties which may cause actual results to differ

materially from the forward-looking statements. Forward-looking statements are not guarantees of future performance. Although OptimizeRx

believes that the expectations reflected in any forward-looking statements are based on reasonable assumptions, these expectations may

not be attained and it is possible that actual results may differ materially from those indicated by these forward-looking statements

due to a variety of risks, uncertainties and changes in circumstances, many of which are beyond OptimizeRx’s control.

For a discussion of some of the specific factors

that could cause actual results to differ materially from the information contained in this report, see the following sections of this

report: Part I, Item 1A. “Risk Factors,” and Part II, Item 7. “Management’s Discussion and Analysis of Financial

Condition and Results of Operations,” including the disclosures under “Critical Accounting Estimates”. Market projections

are subject to the risks discussed in this report and other risks in the market. OptimizeRx disclaims any intention or obligation to update

publicly any forward-looking statements, whether in response to new information, future events or otherwise, except as required by applicable

law.

Unless otherwise specified or the context otherwise

requires, when used in this Annual Report on Form 10-K, the terms “we,” “our,” “us,” “OptimizeRx,”

or the “Company” refer to OptimizeRx Corporation and its subsidiaries.

ii

SUMMARY OF RISK FACTORS

An investment in our Company is subject to a number

of risks. Set forth below is a high-level summary of some, but not all, of these risks. You should review and carefully consider the risks

and uncertainties described in more detail in “Part I, Item 1A. Risk Factors” of this Annual Report, which includes a more

complete discussion of the risks summarized below as well as a discussion of other risks related to our business and an investment in

our securities.

Risks Related to Our Financial Position

Risks Related to Our Business: Our Industry,

Operations, and Competition

● We are dependent on a concentrated group of customers.

● Our agreements with eRx and EHR channel partners could be subject to audit.

● Developments in the healthcare industry could adversely affect our business.

Risks Related to Regulatory Matters

Risks Related to Our Intellectual Property

and Technology

● Our business will suffer if our network systems fail or become unavailable.

iii

Risks Related to Managing Our Growth

● If we are unable to manage growth, our operations could be adversely affected.

Risks Related to Inflation, Interest Rates,

and Other Adverse Economic Conditions

General Risks

Risks Relating to Our Common Stock

Risks Related to Being a Public Company

iv

PART 1

Item 1. Business

General

OptimizeRx is a leading healthcare

technology company that is redefining how life sciences brands connect with patients and healthcare providers. OptimizeRx is a

Nevada corporation and was founded in 2006 in Rochester, Michigan as a healthcare technology company delivering various types of

messages, including coupons and co-pays directly to physicians and pharmacists though electronic health record (EHR) systems and

ePrescribing (eRx) platforms. Over time, the demand for different types of communication and marketing solutions among life sciences

organizations, healthcare professionals (HCPs), and patients led us to expand upon our initial solution to increase the variety of

health-related information we deliver, as well as the platforms, technology, and audiences through, and to which we deliver.

By combining artificial intelligence (AI)-driven tools with our original

financial messaging solution, we progressively enhanced our original financial messaging solution. Our current AI-enabled Dynamic Audience

Activation Platform (DAAP) not only identifies precise HCP audiences, but also estimates which HCPs will see brand eligible patients,

and when such brand eligible patients will be seen.

After acquiring

Healthy Offers, Inc. (d/b/a “Medicx” or “Medicx Health”) in 2023, we expanded our capabilities to include direct-to-consumer

(DTC) marketing using our patent-protected Micro-Neighborhood Targeting (MNT) solution. MNT uses de-identified claims data to target not

individual patients, but geographies in which eligible patients live, to better target audiences for brand manufacturers - a

privacy-centric approach to audience creation. With the integration of DTC marketing, our life sciences brand customers can now access

across our omnichannel network to reach both HCP and patient audiences. Today, we offer diverse tech-enabled marketing solutions using

sophisticated machine-learning algorithms to find the best audience in the correct channels at the right time.

Customers are able to execute traditional marketing

campaigns on our proprietary digital point-of-care network, as well as dynamic DTC marketing campaigns that optimize audiences in real

time to increase the value of treatment information for HCPs and patients. Connecting over two million U.S. healthcare providers and millions

of their patients through an intelligent technology platform embedded within a proprietary omnichannel network, OptimizeRx helps life

sciences organizations engage and support their customers.

Business Strategy

OptimizeRx is at a pivotal moment in its almost 20-year

history. Over the past few months, we have completed an extensive review of our business processes, operations, growth plans, capital

allocation, strategies and opportunities - with the ultimate goal of assessing how we can best create value for our shareholders.

On March 10, 2025, after a rigorous search and selection

process for a new Chief Executive Officer that was conducted by our independent directors with the assistance of a leading executive search

firm, we named Stephen L. Silvestro as our Chief Executive Officer.

As Mr. Silvestro leads the next phase of the

Company’s growth and transformation, many of our business priorities will be the same, such as continuing to focus on customer

centricity and delight, operational excellence, disciplined execution, developing stronger relationships with our valued business

partners, and expanding our unique value proposition with our top-tier pharma customers. However, going forward, a core aspect of

our new value creation strategy will be to drive towards being recognized as a “Rule of 40” company within the next

several years such that our combined annual revenue growth rate and EBITDA margin are 40% or higher. Like other companies aspiring

to be a “Rule of 40” company, we understand the need to effectively balance growth with profitability. As we drive

towards this ambitious financial goal, we plan to develop a re-occurring revenue component to our business as we look to convert our

DAAP customers to a subscription-based model for the data component of our offerings. We believe this will improve our EBITDA

margins over time while substantially enhancing the overall predictability of our revenue streams. We also believe this will enhance

our ability to scale our business and more thoughtfully plan for profitable growth.

While we believe we are executing the right strategy,

our Board of Directors and management team understand the need to regularly review our strategy, assess it against a variety of opportunities

that may create greater value, and ensure that the strategy we are executing is fully aligned with the best interests of our shareholders.

1

Industry Background

Life sciences organizations face a challenging

commercial landscape. The life sciences industry is characterized by rapidly advancing science and technologies, intense competition,

and a strong emphasis on differentiated products.

As a result, life sciences organizations have

increasingly turned to technology solutions to support their commercial strategies. According to industry sources, total pharmaceutical

industry commercial spend in the United States is $30 billion of which approximately $10 billion is attributable to commercial digital

spend.

We believe significant opportunity exists to address

the unmet needs of life sciences organizations as they relate to digital solutions, including omnichannel access to HCPs, for our customers’

biggest commercial challenges. These complex challenges include brand visibility to HCPs which is impacted by a competitive drug environment

with sales representatives losing time in front of prescribers, augmented by the amount of time the HCPs have to spend in front of computers

and in the EHR. Further, EHRs do not often communicate with one another, creating interoperability issues resulting in HCPs not having

all relevant patient information. In addition, expensive specialty medications are becoming more common and involve more complex diagnosis

criteria - factors that contribute to substantial script abandonment by patients. Our solutions are designed to address these and other

commercial challenges faced by our customers.

Principal Solutions

We offer clear, actionable solutions to the challenges

faced by our customers, and our combined HCP and DTC marketing strategies are designed to ensure our customers’ brands are positioned

at the right moment and with the right message, always prioritizing the end result: successful brand engagement to reach both HCPs and

patients, ultimately resulting in improved patient care.

Our principal solutions can be summarized as follows:

Audience Development: DAAP and MNT

Audience Profiling: Profiler

2

Audience Activation and Media Execution

Pharmacy Alerts

Financial Messaging

Sales and Marketing

The go-to-market

strategy for the business aligns sales and marketing efforts while keeping customer engagement at the core. Engaging customers early,

providing value throughout their journey, and nurturing long-term relationships drive sustainable growth and retention. Our sales and

marketing teams include over 25 individuals focused on awareness, adoption and expansion of data and technology solutions designed to

address the digital engagement needs of life sciences brands and their agency partners.

DAAP, our

patent pending patient-centric omnichannel engagement platform combines artificial intelligence (AI) and human intelligence (HI), to determine

the optimal time to engage patients and physicians. We synchronize HCP and DTC marketing across the programmatic and point-of-care channels

to increase brand conversions, streamline therapy starts, and build stronger brand relationships. Our sales and marketing teams

work closely together to cultivate customer relationships. We use a number of methods to market and promote our solutions, including digital

advertising, industry events, trade shows, conferences, media coverage, social media, and email.

Technology

Our proprietary technology platform enables us

to curate privacy safe DTC audiences, dynamic HCP and DTC audiences, and effectively manage digital media campaigns for our advertiser

clients (agencies, and manufacturer/brands) across our channel partner network. Our platform consists of a unified data intelligence technology

stack, multiple cloud-based data warehouses, and in-house applications and application programming interface layers. Collectively, this

platform enables us with a collaborative environment for data engineering, data science, and machine learning, an efficient method to

curate privacy safe DTC audiences, and a scalable means to manage both point-of-care media campaigns and the supply-side inventory request

volume. For the management of point-of-care media campaigns, the platform integrates advanced features of a Supply-Side Platform (SSP),

allowing us to provide seamless access to an expansive range of point-of-care inventory via our strategic partnerships. As an SSP, our

platform enables us to manage and optimize our point-of-care network’s ad inventory, maximizing their revenue. On the demand side,

our platform empowers our account and program managers to efficiently manage our customers’ campaign(s). Our technology is built

on a scalable and secure architecture that supports high-performance data processing, real-time decisioning, and integration with third-party

data providers.

To support our growth and provide maximum security,

scalability, and flexibility, all our systems, including from acquisitions, are now hosted and integrated in the cloud. Our technology

development and systems management core team is in the U.S. and in Croatia, with contractors in India and Ukraine to provide bench depth,

rich skills experience, and business economies. The teams are organized into Centers of Excellence focused on Product Domains, Quality

Assurance, Information Security, Data Warehousing, Business Intelligence, Platform Services, and Internal Systems Support. System enhancements

in 2024 included system and framework upgrades, documentation of processes and procedures, security implementation for ongoing cybersecurity,

Sarbanes Oxley, HIPAA, and customer security assessments, and in achieving both System and Organization

Controls (SOC) 2 Type 1 and Type 2 certifications.

3

Competition

The competitive

landscape within life sciences digital marketing is constantly evolving. Our solutions face competition from numerous other companies.

We compete broadly in the dynamic and ever-evolving

pharmaceutical and life sciences digital marketing industry with healthcare data suppliers, health-focused demand-side platforms, and

health-focused walled garden websites and web platforms, and advertising networks that aggregate traffic from multiple web sites or point-of-care

platforms such as telehealth, EHR, eRx, physician practice management, health information exchanges (HIE), and site-based platforms within

large health systems. Our competitors include large well-known companies with established names, solid market niches, and wide arrays

of product offerings and marketing networks.

As innovators

in the industry, we have patented and patent-pending technologies that provide unique differentiation, including a patient-centric focus

on brand conversion, and value generation for our customers. Our extensive point-of-care network provides our customers with unparalleled

reach to relevant prescribers. We are uniquely able to use DAAP to produce targeted, privacy-safe audiences for both consumers and their

treating HCPs, allowing brand engagement to occur within the likely care window to find brand-eligible patients at the right time for

brand adoption. DAAP leverages the investment in data and AI technologies, combined with human intelligence, in applying brand-specific

strategies to optimize program performance. Our patented MNT technology provides a unique opportunity for pharmaceutical brands to market

to consumers while adhering to HIPAA and state level privacy requirements.

For more information on risks relating to our

competition, see Item 1A. Risk Factors.

Intellectual Property

Historically, we have created intellectual property

or obtained intellectual property through commercial relationships and in connection with acquisitions.

We own patents important to our business, and

we expect to continue to file patent applications to protect our research and development investments in new products. As of December 31,

2024, we held five patents and two pending patent applications, including foreign counterpart patents and foreign applications. For the

United States, patents may last 20 years from the date of the patent’s filing, subject to term adjustments made by the patent office.

In addition, we own registered trademarks in the

United States and other countries. As of December 31, 2024, OPTIMIZERx, OPTIMIZEMD, CareSpeak, DIETWATCH, Innovate4Outcomes, SPRx,

SPx, RMDY, Specialty Express, TELAREP, Medicx, Micro-Neighborhood, and Geomedical Targeting are our registered trademarks.

We also have licenses to intellectual property

for the use and sale of certain of our solutions. In addition, we obtain other intellectual property rights and/or licenses used in connection

with our business when practical and appropriate.

Government Regulation

The healthcare industry and, in particular, our

customers and partners are subject to U.S. federal, state and local laws and regulations, including those governing fraud, abuse, privacy

and security. Many of these laws and regulations are complicated and how they might apply to us, our customers, our partners, or the specific

services and relationships we have with our customers and partners are not always well-defined. Many states have enacted laws regulating

the processing of personal information which may reduce demand for placing digital ads in general, especially when those ads relate to

medications, medical products, or health conditions. Although our solutions address these laws by using publicly available information

and by processing de-identified and aggregated information, and we use this data to target geographies rather than individuals, our customers

and partners in the advertising industry remain subject to these regulatory pressures and may not process personal information in this

same way. Our failure, or perceived failure, to accurately apply, or comply with, these laws and regulations could subject us to significant

fines and liability, result in reputational harm, and adversely affect our business. Any new or amended laws or regulations that impose

significant operational restrictions and compliance requirements may negatively impact our business. See Item 1A. Risk Factors for more

information on the impact of Government Regulations on OptimizeRx.

Human Capital

As of December 31, 2024, we had 106 full-time

employees and 1 part-time employee in the U.S, as well as 22 full-time employees in Croatia. None of our employees are represented by

a labor union or collective bargaining agreement with respect to their employment with us. The majority of our employees work remotely

and are geographically distributed across the United States and Croatia. We supplement our workforce with contractors in the United States

and internationally on an as-needed basis. We consider our relationship with our employees to be good and have not experienced any work

stoppages.

We are dedicated to providing a supportive and

respectful environment for our employees where everyone feels valued, and we celebrate both the differences and similarities among our

people. We also believe that diversity in all areas, including cultural background, experience and thought, is essential to bettering

a professional environment and in making our Company stronger. Our Diversity, Equity, Inclusion & Belonging Committee (DEI&B)

is actively engaged in improving our culture, hiring practices and training. In 2023, we upheld the Parity Pledge – a commitment

made in 2021 to interview and consider at least one qualified woman and one underrepresented minority for every open role, VP or higher.

In addition, the DEI&B Committee sponsored quarterly events, including “Cultural Café”, “Food Waste Awareness”,

“Movement Challenge”, and “Affinity Groups”.

4

We prioritize recruiting, retaining, and incentivizing

a highly qualified, diverse workforce as the success of our Company is dependent on the skills, experience, and efforts of our employees.

A skilled workforce not only improves a company’s performance, but also contributes to overall employee satisfaction and enhances

human capital. We have increased our focus on training and development for our current employees and have implemented a Learning Management

System where current and future training modules will be presented and tracked for reporting purposes. We offer other learning and development

opportunities and resources to support our employees in achieving and enhancing their development objectives. We equip our managers with

the skills and tools to provide ongoing coaching and feedback so employees can maximize their performance and potential, delivering success

for the Company and the employee.

We pay our

employees competitively and offer a broad range of company-paid benefits, which we believe are competitive with others in our industry.

Moreover, we believe our long-term incentives are structured in a manner to provide time-based vesting schedules that are retentive

and we incentivize select employees through the granting of stock-based awards and cash-based performance bonus awards.

Smaller Reporting Company

We are a “smaller reporting company”

as defined in the Securities Exchange Act of 1934, as amended (the “Exchange Act”). As a result, we may take advantage of

certain reduced disclosure obligations available to smaller reporting companies, including the exemption from compliance with the auditor

attestation requirements pursuant to the Sarbanes-Oxley Act of 2022, reduced disclosure about our executive compensation arrangements

and the requirements to provide only two years of audited financial statements in our annual reports and registration statements. We will

continue to be a “smaller reporting company” as long as (1) we have a public float (i.e., the market value of our American

Depositary Shares held by non-affiliates) less than $250 million calculated as of the last business day of our most recently completed

second fiscal quarter, or (2) our annual revenues are less than $100 million for our previous fiscal year and we have either no public

float or a public float of less than $700 million as of the end of that fiscal year’s second fiscal quarter. Decreased disclosures

in our SEC filings due to our status as a “smaller reporting company” may make it harder for investors to analyze our results

of operations and financial prospects.

Corporate Information

On January 31, 2006, Optimizer Systems, L.L.C. was

formed in the State of Michigan and, on October 16, 2007, OptimizeRx Corporation was separately incorporated in Michigan. On October 22,

2007, Optimizer Systems, LLC merged into OptimizeRx Corporation, a Michigan corporation, and the name OptimizeRx Corporation remained

unchanged following the merger.

On April 14, 2008, an alternative reporting company with the OTC Market

Group, Inc., known at the time as RFID Ltd., and formed in the State of Colorado, entered into a share exchange agreement with the stockholders

of OptimizeRx Corporation, pursuant to which the stockholders of OptimizeRx Corporation exchanged all of the issued and outstanding capital

stock of OptimizeRx Corporation for shares of common stock of RFID Ltd. As of April 30, 2008, RFID’s officers and directors

resigned their positions and RFID changed its business to OptimizeRx’s business. On April 15, 2008, RFID Ltd’s

corporate name was changed to OptimizeRx Corporation, a Colorado corporation. On September 4, 2008, the Company then completed a migratory

merger, thereby changing the Company’s state of incorporation from Colorado to Nevada, resulting in OptimizeRx Corporation, a Nevada

corporation becoming the parent corporation of OptimizeRx Corporation, a Michigan corporation. On April 11, 2023, OptimizeRx Corporation,

a Michigan corporation was merged with and into OptimizeRx Corporation, a Nevada corporation.

We conduct our operations through our wholly-owned subsidiaries, Healthy

Offers, Inc. (d/b/a Medicx Health or “Medicx Health”), a Nevada corporation, and CareSpeak Communications, d.o.o., a controlled

foreign corporation incorporated in Croatia.

Our principal executive offices are located at

260 Charles Street Suite 302, Waltham, MA 02453 and our telephone number is (248) 651-6568. Our website address is www.optimizerx.com.

Information contained on or accessible through this website is not incorporated by reference in, or otherwise a part of, this Annual Report

on Form 10-K, and any references to this website are intended to be inactive textual references only.

Available Information

We are subject to the informational requirements

of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and in accordance therewith, we file reports, proxy

and information statements and other information with the Securities and Exchange Commission (the “SEC”). You can read our

SEC filings over the Internet at the SEC’s website at www.sec.gov. Our filings with the SEC are also available free of charge through

the investor relations section of our website at www.optimizerx.com. Reports are available free of charge as soon as reasonably

practicable after we electronically file them with, or furnish them to, the SEC. From time to time, we also use multiple social media

channels to communicate with the public about OptimizeRx. It is possible that the information we post on social media could be deemed

to be material information. Therefore, we encourage you to review the information we post on the social media channels listed on our investor

relations website, if any.

Information contained on or accessible through

the websites and social media channels referred to above is not incorporated by reference in, or otherwise a part of, this Annual Report,

and any references to these websites and social media channels are intended to be inactive textual references only.

Item 1A. Risk Factors

Risks Related to Our Financial Position

We have a history of losses, and may not

be able to achieve profitability, or, if achieved, sustain profitability.

With the exception of 2021, we have historically

incurred losses as a result of investing in future growth. While we have increased revenues, we have not yet consistently achieved profitability

due to these investments and non-cash expenses. Our ability to achieve consistent profitability depends on our ability to generate sales

through our technology platform and advertising model, while maintaining reasonable expense levels. If we do not achieve sustainable profitability,

it may impact our ability to continue our operations.

5

We may need to raise additional capital

to grow our business and may not be able to do so on favorable terms, if at all.

We may need to raise additional capital in the

future, including to expand our operations and pursue our growth strategies, to respond to competitive pressures, or to meet capital needs

in response to operating losses or unanticipated working capital requirements. Our inability to raise additional capital on acceptable

terms in the future may limit our ability to continue to operate our business and further expand our operations.

Servicing debt and funding other obligations

requires a significant amount of cash, and our ability to generate sufficient cash depends on many factors, some of which are beyond our

control.

Our ability to make payments on and refinance

our indebtedness and to fund our operations and capital expenditures depends on our ability to generate cash flow and secure financing

in the future. Our ability to generate future cash flow depends, among other things, on future operating performance, general economic

conditions, competition, and legislative and regulatory factors affecting our operations and business.

Some of these factors are beyond our control.

There is no assurance that our business will generate cash flow from operations or that future debt or equity financings will be available

to us to enable us to pay our indebtedness or to fund other needs. As a result, we may need to refinance all or a portion of our indebtedness

on or before maturity. There is no assurance that we will be able to refinance any of our indebtedness on favorable terms, or at all.

Any inability to generate sufficient cash flow or refinance our indebtedness on favorable terms could have an adverse effect on our financial

condition.

Restrictions in our Term Loan could adversely

affect our business, financial condition, results of operations, ability to make distributions, and the value of our securities.

Our Term Loan contains customary affirmative covenants,

including, among others, covenants pertaining to the delivery of financial statements; certain financial covenants; notices of default

and certain other material events; payment of obligations; preservation of corporate existence, rights, privileges, permits, licenses,

franchises and intellectual property; maintenance of property and insurance and compliance with laws, as well as customary negative covenants,

including, among others, limitations on the incurrence of liens and entering into capital leases, investments and indebtedness; mergers

and certain other fundamental changes; dispositions of assets; restricted payments; changes in our line of business; transactions with

affiliates and burdensome agreements. These covenants could affect our ability to operate our business, increase the amount of interest

expense we ultimately pay pursuant to the Term Loan, and may limit our ability to take advantage of potential business opportunities as

they arise.

Our ability to comply with the covenants and restrictions

contained in our Term Loan, may be affected by events beyond our control, including prevailing economic, financial, and industry conditions.

If market or other economic conditions deteriorate, our ability to comply with these covenants may be impaired. A failure to comply with

these provisions could result in a default or an event of default. Upon an event of default, unless waived, the lenders could elect to

terminate their commitments, cease making further loans, cause their loans to become

due and payable in full, foreclose against any assets securing the debt under our Term Loan and force us and our subsidiaries into bankruptcy

or liquidation. If the payment of our debt is accelerated, our assets may be insufficient to repay such debt in full, and the holders

of our stock could experience a partial or total loss of their investment.

Risks Related to Our Business: Our Industry,

Operations, and Competition

Seasonal trends in the pharmaceutical brand

marketing industry could affect our operating results.

In general, the pharmaceutical brand marketing

industry experiences seasonal trends that affect the vast majority of participants in the pharmaceutical digital marketing industry. Many

pharmaceutical companies allocate the largest portion of their brand marketing to the fourth quarter of the calendar year. As a result,

the first quarter tends to reflect lower activity levels and lower revenue, with gradual increases in the following quarters. We generally

expect these seasonality trends to continue and our ability to effectively manage our resources in anticipation of these trends may affect

our operating results.

Developing and implementing new and updated

applications, features and services for our solutions may be more difficult than expected, may take longer and cost more than expected

and may not result in sufficient increases in revenue to justify the costs.

Attracting and retaining users of our solutions

requires us to continue to improve the technology underlying those solutions and to continue to develop new and updated applications,

features and services for those solutions. If we are unable to do so on a timely basis or if we are unable to implement new applications,

features and services without disruption to our existing ones, we may lose potential users and clients. The costs of development of these

enhancements may negatively impact our ability to achieve profitability.

We rely on a combination of internal development,

strategic relationships, licensing and acquisitions to develop our solutions and related applications, features and services. Our development

and/or implementation of new technologies, applications, features and services may cost more than expected, may take longer than originally

expected, may require more testing than originally anticipated and may require the acquisition of additional personnel and other resources.

There can be no assurance that the revenue opportunities from any new or updated technologies, applications, features or services will

justify the amounts spent.

6

Any failure to offer high-quality customer

support for our solutions may adversely affect our relationships with our customers and harm our financial results.

Once our solutions are implemented, our customers

use our support organization to resolve technical issues relating to our solutions. Increased demand for our support services may increase

our costs without corresponding revenue, which could adversely affect our operating results. Further, the sale of our solutions is highly

dependent on the ease of use of our solutions, on our business reputation, and on favorable recommendations from our existing customers.

Any failure to maintain high-quality and responsive customer support, or a market perception that we do not maintain high-quality support,

could harm our reputation, cause us to lose customers, adversely affect our ability to sell our solutions to prospective customers, and

harm our business, operating results and financial condition.

We are dependent on a concentrated group

of customers.

Because the pharmaceutical industry is dominated

by large companies with multiple brands, our revenue is concentrated in a relatively small number of companies. We have over 100 pharmaceutical

manufacturers as customers, and our revenues are concentrated in these customers. Loss of one or more of our larger customers could have

a negative impact on our operating results. Our top five customers represented approximately 49% of revenue for the year ended December 31,

2024. In 2024 and 2023, respectively, we had two customers and one customer that represented over 10% of our revenues.

We expect that we will continue to depend upon

a relatively small number of customers for a significant portion of our total revenues for the foreseeable future. The loss of any of

these customers or groups of customers for any reason, or a change of relationship with any of our key customers could cause a material

decrease in our total revenues.

Additionally, mergers or consolidations among

our customers in the healthcare industry could reduce the number of our customers and could adversely affect our revenues and sales. In

particular, if our customers are acquired by entities that are not also our customers, that do not use our solutions or that have more

favorable contract terms with competitors and choose to discontinue, reduce or change the terms of their use of our solutions, our business

and operating results could be materially and adversely affected.

If we are unable to maintain our contracts

with electronic prescription platforms and electronic health record systems, our business will suffer.

We are reliant upon our contracts with leading

electronic prescribing (“eRx”) platforms and electronic health record (“EHR”) systems to generate a portion of

the revenues received from our customers. Such arrangements subject us to a number of risks, including the following:

We generated 57.3% and 55.9% of our revenue through

our two largest channel partners in 2024 and 2023, respectively. As such, the inability to maintain these relationships could adversely

impact our business.

Our agreements with eRx and EHR channel

partners could be subject to audit.

Our agreements with our eRx and EHR channel partners

provide for revenue-sharing payments to them based on the revenue we generate through their platforms and systems. These payments could

be subject to an audit by our channel partners, at their cost, and if there is a dispute as to the calculation, we may be liable for additional

payments. Some agreements would require us to also pay for the cost of the audit if an underpayment is determined to be in excess of a

certain amount.

7

If we fail to attract new customers or retain

and expand existing customers, our business and future prospects may be materially and adversely impacted.

We currently work with many leading pharmaceutical

companies, medical device manufacturers, associations, and other companies. While we have experienced customer growth, this growth may

not continue at the same pace in the future or at all. Achieving growth in our customer base may require us to engage in increasingly

sophisticated and costly sales and marketing efforts that may not result in additional customers. We may also need to modify our solution

set and/or pricing model to attract and retain such customers. If we fail to attract new customers or fail to maintain or expand existing

relationships in a cost-effective manner, our business and future prospects may be materially and adversely impacted.

The markets in which we operate are competitive,

continually evolving and, in some cases, subject to rapid change.

Our solutions face competition from numerous other

companies. We compete for revenue from healthcare advertisers and sponsors (pharmaceutical manufacturers) with healthcare data suppliers,

health-focused demand-side platforms, and health-focused walled garden websites and web platforms, and advertising networks that aggregate

traffic from multiple web sites or point-of-care platforms such as telehealth, EHR, eRx, physician practice management, health information

exchanges (HIE), site-based platforms within large health systems, etc.

Many of our competitors have greater financial,

technical, product development, marketing and other resources than we do. These organizations may be better known than we are and have

more customers than we do. We cannot provide assurance that we will be able to compete successfully against these organizations or any

alliances they have formed or may form. Since there are no substantial barriers to entry into the markets in which we participate, we

expect that competitors will continue to enter these markets.

Developments in the healthcare industry

could adversely affect our business.

Most of our revenue is derived from pharmaceutical

manufacturers and could be affected by changes affecting the broader healthcare industry, including decreased spending in the industry

overall.

General reductions in expenditures by healthcare

industry participants could result from, among other things:

● Consolidation of healthcare industry participants;

● Reductions in governmental funding for healthcare; and

Even if general expenditures by industry participants

remain the same or increase, developments in the healthcare industry may result in reduced spending in some or all the specific market

segments that we serve now or may serve in the future. For example, the use of our solutions and services could be affected by:

● A decrease in the number of new drugs or medical devices coming to market; and

The healthcare industry has changed significantly

in recent years, and we expect that significant changes will continue to occur. However, the timing and impact of developments in the

healthcare industry are difficult to predict. We cannot assure you that the demand for our solutions and services will continue to exist

at current levels or that we will have adequate technical, financial and marketing resources to react to changes in the healthcare industry.

Risks Related to Regulatory Matters

Actual or perceived failures to comply with

applicable laws and regulations that affect the healthcare industry, including data protection, privacy and security, fraud and abuse

laws, regulations, standards and other requirements could adversely affect our business, results of operations, and financial condition.

The global data protection landscape is rapidly

evolving, and we are or may become subject to numerous state, federal and foreign laws, requirements and regulations governing the collection,

use, disclosure, retention, and security of personal information. In addition, our customers and service providers may be or become subject

to these same rules. This evolution may create uncertainty in our business, affect our ability to operate in certain jurisdictions or

to collect, store, transfer, use and share personal information, necessitate the acceptance of more onerous obligations in our contracts,

result in liability or impose additional costs on us. The cost of compliance with these laws, regulations and standards is high and is

likely to increase in the future. Any failure or perceived failure by us to comply with federal, state or foreign laws or regulation,

our internal policies and procedures or our contracts governing our processing of personal information could result in negative publicity,

government investigations and enforcement actions, claims by third parties, and damage to our reputation, any of which could have a material

adverse effect on our operations, financial performance and business.

8

We also may be bound by contractual obligations

and other obligations relating to privacy, data protection, and information security that are more stringent than applicable laws and

regulations. The costs of compliance with, and other burdens imposed by, laws, regulations, standards, and other obligations relating

to privacy, data protection, and information security are significant. Although we work to comply with applicable laws, regulations, and

standards, our contractual obligations and other legal obligations, these requirements are evolving and may be modified, interpreted and

applied in an inconsistent manner from one jurisdiction to another, and may conflict with another or other legal obligations with which

we must comply. Accordingly, our failure, or perceived inability, to comply with these laws, regulations, standards, and other obligations

may limit the use and adoption of our solution, reduce overall demand for our solution, lead to regulatory investigations, breach of contract

claims, litigation, and significant fines, penalties, or liabilities for actual or alleged noncompliance or slow the pace at which we

close sales transactions, any of which could harm our business.

The Health Insurance Portability and Accountability

Act of 1996, or HIPAA, and the rules promulgated thereunder require certain entities, referred to as Covered Entities, to comply with

established standards, including standards regarding the privacy and security of protected health information, or PHI. HIPAA further requires

that Covered Entities enter into agreements meeting certain regulatory requirements with their business associates, as such term is defined

by HIPAA, which, among other things, obligate the business associates to safeguard the covered entity’s PHI against improper use

and disclosure. While we are not a Covered Entity, we have contracted as a business associate of our Covered Entity customers and, as

such, may be regulated by HIPAA and have contractual obligations under such agreements, including to enter into business associate agreements

with our third-party vendors. We, and our Covered Entity customers might face significant contractual liability pursuant to such business

associate agreements if the business associate breaches the agreement or causes the Covered Entity to fail to comply with HIPAA. Additionally,

even if we do not act as a Covered Entity or Business Associate, we process data that has been de-identified according to the expert determination

method under HIPAA’s Privacy Rule. This requires us to take measures to prevent the re-identification of that data and to comply

with HIPAA if that data is re-identified.

In the ordinary course of our business, we collect

and store sensitive data, including intellectual property, proprietary business information and personally identifiable information (including

of our employees, customers, suppliers and business partners). Any data breach may subject us to civil fines and penalties, or regulatory

orders, fines or sanctions under relevant state and federal privacy laws in the United States, including the California Consumer Privacy

Act (“CCPA”) and other laws and regulations. Our failure, or the failure of our third-party vendors, to comply with applicable

laws and regulations relating to data security and our involvement or the involvement of any of our third-party vendors in any data security

incidents could result in legal claims and liability, obligations to report incidents to governmental agencies, regulatory investigations

and penalties, and reputational damage, which could have a material adverse effect on our business, financial condition and results of

operations.

Certain other laws and regulations such as federal

and state anti-kickback and false claims laws may apply to us indirectly through our relationships with our customers and partners. Violations

can result in considerable penalties and sanctions. If we are found to have violated, or to have facilitated the violation of such laws,

we could be subject to significant penalties.

Our operations may be impacted from changes

to current regulations and future legislation.

The current Executive Branch administration and

regulatory agencies may propose policy changes that create uncertainty for our business, including potentially implementing restrictions

on pharmaceutical direct to consumer (“DTC”) marketing.

Additionally, in its June 2024 decision in Loper

Bright Enterprises v. Raimondo (the “Loper decision”), the U.S. Supreme Court overturned the longstanding Chevron doctrine,

under which courts were required to give deference to regulatory agencies’ reasonable interpretations of ambiguous federal statutes.

The Loper decision could result in additional legal challenges to regulations and guidance issued by federal agencies applicable to our

customer’s operations, including those issued by the U.S. Food and Drug Administration (FDA), the U.S. Department of Health &

Human Services, and the U.S. Federal Trade Commission. Additionally, the Loper decision may result in increased regulatory uncertainty,

inconsistent judicial interpretations and other impacts to the agency rule-making process. We cannot predict which additional measures

may be adopted or the impact of current and additional measures on our business, or our customer’s businesses, which could have

a significant impact on our business, financial condition and results of operations.

If our customers, partners, and third-party

providers fail to comply with the extensive and changing landscape of legal and regulatory requirements affecting the pharmaceutical and

healthcare industries, they could face increased costs and/or penalties, which could lead to us losing business.

The FDA, U.S. state licensure bodies, other healthcare

regulators and other comparable agencies in other jurisdictions directly regulate many of the most critical business activities of our

customers, partners, and third-party providers, including R&D for biotechnology and pharmaceutical development, and pharmaceutical

advertising. States increasingly have been placing greater restrictions on the marketing and advertising practices of healthcare companies,

particularly pharmaceutical companies. In addition, pharmaceutical and biotechnology companies have been the target of lawsuits and investigations

alleging violations of government regulations, including claims asserting submission of incorrect pricing information, improper promotion

of pharmaceutical products, payments intended to influence the referral of federal or state healthcare business, submission of false claims

for government reimbursement, antitrust violations, violations of the U.S. Foreign Corrupt Practices Act, the U.K. Bribery Act, and similar

anti-bribery or anti-corruption laws. Any failure to comply with applicable laws, rules and regulations may result in civil and/or criminal

legal proceedings and lead to fines, damages, mandatory compliance programs and other sanctions and remedies that may materially affect

the business, operations and reputations of our customers, partners and third-party providers which could adversely affect our business.

9

Risks Related to Our Intellectual Property

Source: SEC EDGAR (public domain) · 10-K for the period ended 2024-12-31, filed 2025-03-20 · accession 0001213900-25-025576

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