📊 IPSI Key Takeaways
Is IPSI a Good Investment? Thesis Analysis
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.
Why Buy 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
IPSI Investment Risks to Consider
- 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%
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
IPSI Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
IPSI Profitability Ratios
IPSI vs Consumer Sector
How Innovative Payment Solutions, Inc. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is IPSI Overvalued or Undervalued?
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.
IPSI Balance Sheet & Liquidity
IPSI 5-Year Financial Trend & Growth Analysis
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 $-0.45 indicates the company is currently unprofitable.
IPSI Growth Metrics (YoY)
IPSI Quarterly 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.
IPSI Capital Allocation
IPSI SEC 10-K & 10-Q Filing 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 an AI rating of STRONG SELL with 98% 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.
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.
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 March 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).