📊 IPSI Key Takeaways
Is Innovative Payment Solutions, Inc. (IPSI) a Good Investment?
IPSI exhibits severe financial distress with negative stockholders' equity of -$55.0M, indicating liabilities exceed assets. Revenue has collapsed 51.6% YoY while net losses have deteriorated to -$46.5M, accompanied by negative operating cash flow of -$535.5K. The company faces imminent solvency concerns with a current ratio of 0.01x and effectively zero liquid assets relative to its $55.5M debt burden.
Fundamentals are extremely weak: revenue is negligible and shrinking, margins are deeply negative, and the company is producing outsized net losses relative to its asset base. Financial health is distressed, with negative equity, almost no cash, severe liquidity pressure, and continued negative free cash flow, which points to very poor growth quality and significant going-concern risk.
Why Buy Innovative Payment Solutions, Inc. Stock? IPSI Key Strengths
- Minimal insider selling pressure with zero Form 4 filings in past 90 days
- Data is current as of 2025-09-30 providing recent visibility
- Long-term debt at $150.0K is relatively modest in absolute terms
- Operating cash burn is materially smaller than the reported net loss, suggesting a portion of losses is non-cash rather than purely cash-driven
- Long-term debt is modest in absolute terms, with total liabilities appearing driven more by broader balance-sheet obligations than by heavy funded debt
- The reported loss narrowed year over year at the EPS level, indicating some improvement versus the prior period despite still-severe fundamentals
IPSI Stock Risks: Innovative Payment Solutions, Inc. Investment Risks
- Negative stockholders equity of -$55.0M indicates technical insolvency
- Catastrophic revenue decline of 51.6% YoY with accelerating losses
- Critical liquidity crisis with current ratio of 0.01x and only $7.0K cash against $55.5M liabilities
- Operating cash flow deeply negative at -$535.5K with unsustainable burn rate
- Negative gross margin of -765.1% indicates fundamental business model failure
- Going concern risk highly elevated given debt-to-asset ratio exceeding 1,000%
- Revenue base is extremely small and declined 51.6% year over year, indicating weak and deteriorating business activity
- Negative gross profit, operating income, and net income show the company is not operating at a viable scale
- Balance sheet is highly impaired, with negative stockholders equity, a current ratio of 0.01x, and cash of only $7.04K
Key Metrics to Watch
- Stockholders equity trend - recovery to positive threshold required for viability
- Operating cash flow improvement - must reverse severe cash burn immediately
- Revenue stabilization - need end to revenue collapse and path to profitability
- Quarterly revenue recovery and gross margin improvement
- Cash balance, operating cash flow, and current liabilities coverage
Innovative Payment Solutions, Inc. (IPSI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
IPSI Profit Margin, ROE & Profitability Analysis
IPSI vs Consumer Sector: How Innovative Payment Solutions, Inc. Compares
How Innovative Payment Solutions, Inc. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Innovative Payment Solutions, Inc. Stock Overvalued? IPSI Valuation Analysis 2026
Based on fundamental analysis, Innovative Payment Solutions, Inc. has mixed fundamental signals relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Innovative Payment Solutions, Inc. Balance Sheet: IPSI Debt, Cash & Liquidity
IPSI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Innovative Payment Solutions, Inc.'s revenue has declined by 100% over the 5-year period, indicating business contraction. The most recent EPS of $-0.30 indicates the company is currently unprofitable.
IPSI Revenue Growth, EPS Growth & YoY Performance
IPSI Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2024 | -$28 | -$1.0M | $-0.08 |
| Q2 2024 | $5 | -$797.6K | $-0.06 |
| Q1 2024 | $433 | -$273.4K | $-0.02 |
| Q3 2023 | -$28 | -$1.0M | $-0.08 |
| Q2 2023 | $5 | -$1.1M | N/A |
| Q1 2023 | $433 | -$273.4K | $0.00 |
| Q2 2019 | $1.7M | N/A | N/A |
| Q1 2019 | $1.2M | N/A | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Innovative Payment Solutions, Inc. Dividends, Buybacks & Capital Allocation
IPSI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Innovative Payment Solutions, Inc. (CIK: 0001591913)
📋 Recent SEC Filings
❓ Frequently Asked Questions about IPSI
What is the AI rating for IPSI?
Innovative Payment Solutions, Inc. (IPSI) has a Combined AI Rating of STRONG SELL from Claude (STRONG SELL) and ChatGPT (STRONG SELL) with 98% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are IPSI's key strengths?
Claude: Minimal insider selling pressure with zero Form 4 filings in past 90 days. Data is current as of 2025-09-30 providing recent visibility. ChatGPT: Operating cash burn is materially smaller than the reported net loss, suggesting a portion of losses is non-cash rather than purely cash-driven. Long-term debt is modest in absolute terms, with total liabilities appearing driven more by broader balance-sheet obligations than by heavy funded debt.
What are the risks of investing in IPSI?
Claude: Negative stockholders equity of -$55.0M indicates technical insolvency. Catastrophic revenue decline of 51.6% YoY with accelerating losses. ChatGPT: Revenue base is extremely small and declined 51.6% year over year, indicating weak and deteriorating business activity. Negative gross profit, operating income, and net income show the company is not operating at a viable scale.
What is IPSI's revenue and growth?
Innovative Payment Solutions, Inc. reported revenue of $410.0.
Does IPSI pay dividends?
Innovative Payment Solutions, Inc. does not currently pay dividends.
Where can I find IPSI SEC filings?
Official SEC filings for Innovative Payment Solutions, Inc. (CIK: 0001591913) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is IPSI's EPS?
Innovative Payment Solutions, Inc. has a diluted EPS of $-0.23.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is IPSI a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Innovative Payment Solutions, Inc. has a STRONG SELL rating with 98% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is IPSI stock overvalued or undervalued?
Valuation metrics for IPSI: ROE of N/A (sector avg: 18%), net margin of -11,348,640.2% (sector avg: 8%). Compare these metrics with sector averages to assess valuation.
Should I buy IPSI stock in 2026?
Our dual AI analysis gives Innovative Payment Solutions, Inc. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is IPSI's free cash flow?
Innovative Payment Solutions, Inc.'s operating cash flow is $-535.5K, with capital expenditures of $43.0K. FCF margin is -141,104.9%.
How does IPSI compare to other Consumer stocks?
Vs Consumer sector averages: Net margin -11,348,640.2% (avg: 8%), ROE N/A (avg: 18%), current ratio 0.01 (avg: 1.5).