What is Innovative Payment Solutions Inc's earnings per share (EPS)?

Innovative Payment Solutions Inc (IPSI) reported diluted earnings per share of $-0.02 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Innovative Payment Solutions Inc Financials

IPSI

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE March

This page shows Innovative Payment Solutions Inc (IPSI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 12 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Earnings Quality Low Quality

0.18x

For every $1 of reported earnings, Innovative Payment Solutions Inc generates $0.18 in operating cash flow (-$788K OCF vs -$4.4M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage At Risk

-4.3x

Innovative Payment Solutions Inc earns $-4.3 in operating income for every $1 of interest expense (-$1.0M vs $238K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$250K

10Y CAGR-14.0%

Innovative Payment Solutions Inc generated $250K in revenue in fiscal year 2025.

EBITDA

-$1.0M

YoY+46.0%

Innovative Payment Solutions Inc's EBITDA was -$1.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 46.0% from the prior year.

Net Income

-$4.4M

YoY+3.5%

Innovative Payment Solutions Inc reported -$4.4M in net income in fiscal year 2025. This represents an increase of 3.5% from the prior year.

EPS (Diluted)

$-0.02

Innovative Payment Solutions Inc earned $-0.02 per diluted share (EPS) in fiscal year 2025. This represents an increase of 93.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

N/A

Dividends Per Share

$1.80

Innovative Payment Solutions Inc paid $1.80 per share in dividends in fiscal year 2025.

Shares Outstanding

724M

Innovative Payment Solutions Inc had 724M shares outstanding in fiscal year 2025. This represents an increase of 3693.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

-407.7%

10Y CAGR-155.9pp

Innovative Payment Solutions Inc's operating margin was -407.7% in fiscal year 2025, reflecting core business profitability.

Net Margin

-1757.8%

10Y CAGR-1464.3pp

Innovative Payment Solutions Inc's net profit margin was -1757.8% in fiscal year 2025, showing the share of revenue converted to profit.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

IPSI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$250K	N/A	$410-51.6%	$847	$0	N/A
Cost of Revenue	N/A	N/A	$4K-29.8%	$5K	N/A	N/A
Gross Profit	N/A	N/A	-$3K+25.4%	-$4K	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.0M-46.0%	$1.9M-47.3%	$3.6M-34.4%	$5.5M-47.0%	$10.3M+490.4%	$1.7M
Operating Income	-$1.0M+45.9%	-$1.9M+52.4%	-$4.0M+29.1%	-$5.6M+45.8%	-$10.3M-487.2%	-$1.8M
Interest Expense	$238K+99.8%	$119K-62.7%	$320K+64.8%	$194K-12.6%	$222K-39.5%	$367K
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	-$4.4M+3.5%	-$4.6M+22.0%	-$5.8M+43.3%	-$10.3M+29.0%	-$14.5M-166.0%	-$5.4M
EPS (Diluted)	$-0.02	$-0.30+33.3%	$-0.45+45.8%	$-0.83	$-0.04	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$791
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-$791
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$366K+114.6%	$171K-32.9%	$254K	N/A	$296K-27.2%	$407K-35.0%	$627K-23.8%	$823K
Operating Income	-$367K-114.2%	-$171K+32.8%	-$255K	N/A	-$297K+27.2%	-$408K+35.0%	-$627K+23.9%	-$824K
Interest Expense	$61K+4.3%	$59K+9.9%	$54K	N/A	$28K+13.4%	$25K-77.3%	$111K+3.9%	$107K
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	-$22.2M-8.0%	-$20.6M-448.6%	-$3.7M	N/A	-$1.7M-116.7%	-$798K-140.6%	-$331K+75.9%	-$1.4M
EPS (Diluted)	$-0.06+45.5%	$-0.11	$-0.12	N/A	$-0.15-150.0%	$-0.06-200.0%	$-0.02	N/A

IPSI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$384K-52.3%	$805K-70.7%	$2.8M-59.1%	$6.7M+3376.4%	$193K
Current Assets	N/A	$380K+325.3%	$89K-93.0%	$1.3M-76.9%	$5.5M+5436.3%	$100K
Cash & Equivalents	N/A	$526-99.0%	$50K-86.5%	$374K-93.0%	$5.4M+5567.8%	$95K
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	N/A	$11.0M+30.8%	$8.4M+25.0%	$6.7M+124.2%	$3.0M-35.3%	$4.6M
Current Liabilities	N/A	$10.8M+31.4%	$8.2M+25.8%	$6.5M+130.9%	$2.8M-36.5%	$4.5M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	N/A	-$10.6M-39.7%	-$7.6M-91.6%	-$4.0M-207.0%	$3.7M+183.4%	-$4.4M
Retained Earnings	N/A	-$62.8M-7.8%	-$58.2M-11.1%	-$52.4M-24.4%	-$42.1M-52.4%	-$27.6M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$478K+9.8%	$436K+11.3%	$392K+1.8%	$384K-63.0%	$1.0M+2.6%	$1.0M+12.9%	$897K+11.3%	$805K
Current Assets	$475K+10.0%	$432K+11.6%	$387K+2.0%	$380K+160.7%	$146K+14.2%	$128K+555.0%	$19K-78.2%	$89K
Cash & Equivalents	$7K-65.1%	$20K+35363.2%	$57-89.2%	$526-49.1%	$1K-98.7%	$79K+1049.5%	$7K-86.4%	$50K
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$55.5M+62.7%	$34.1M+138.0%	$14.3M+30.5%	$11.0M+3.2%	$10.6M+14.7%	$9.3M+8.2%	$8.6M+2.2%	$8.4M
Current Liabilities	$55.3M+63.0%	$33.9M+139.5%	$14.2M+31.0%	$10.8M+3.2%	$10.5M+14.9%	$9.1M+8.4%	$8.4M+2.2%	$8.2M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	-$55.0M-63.4%	-$33.6M-141.6%	-$13.9M-31.6%	-$10.6M-10.4%	-$9.6M-16.2%	-$8.3M-7.7%	-$7.7M-1.2%	-$7.6M
Retained Earnings	-$111.1M-25.0%	-$88.9M-32.9%	-$66.9M-6.5%	-$62.8M-2.1%	-$61.5M-3.6%	-$59.4M-1.4%	-$58.6M-0.6%	-$58.2M

IPSI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$788K-21.5%	-$648K+54.3%	-$1.4M+53.7%	-$3.1M-17.4%	-$2.6M-107.6%	-$1.3M
Capital Expenditures	N/A	N/A	N/A	$43K+366.2%	$9K-81.5%	$50K
Free Cash Flow	N/A	N/A	N/A	-$3.1M-18.6%	-$2.6M-100.4%	-$1.3M
Investing Cash Flow	-$339K0.0%	-$339K+68.2%	-$1.1M-21.6%	-$876K+25.1%	-$1.2M-2238.1%	-$50K
Financing Cash Flow	$817K-12.8%	$937K-56.6%	$2.2M+289.7%	-$1.1M-112.5%	$9.1M+553.2%	$1.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$137K+21.3%	-$175K+22.0%	-$224K-33.7%	-$167K-42.4%	-$117K+26.9%	-$161K+20.8%	-$203K+38.1%	-$328K
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A	-$50K+50.0%	-$100K-233.3%	-$30K+81.1%	-$159K-1543.9%	$11K
Financing Cash Flow	$124K-36.2%	$195K-12.8%	$223K+3.0%	$217K+55.4%	$139K-46.9%	$263K-17.4%	$318K-8.6%	$348K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

IPSI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	-765.1%-268.7pp	-496.5%	N/A	N/A
Operating Margin	-407.7%	N/A	-965883.7%-306004.3pp	-659879.3%	N/A	N/A
Net Margin	-1757.8%	N/A	-1423356.1%-208697.7pp	-1214658.4%	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	-391.8%	N/A
Return on Assets	N/A	-1184.3%-459.6pp	-724.7%-351.0pp	-373.8%-158.4pp	-215.4%+2599.8pp	-2815.2%
Current Ratio	N/A	0.04+0.0	0.01-0.2	0.20-1.8	1.95+1.9	0.02
Debt-to-Equity	N/A	-1.04+0.1	-1.11+0.6	-1.70-2.5	0.81+1.9	-1.04
FCF Margin	N/A	N/A	N/A	-366588.2%	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	-4641.4%+78.5pp	-4719.8%-3762.1pp	-957.7%	N/A	-166.5%-87.7pp	-78.8%-41.9pp	-37.0%+133.5pp	-170.5%
Current Ratio	0.010.0	0.01-0.0	0.030.0	0.04+0.0	0.010.0	0.01+0.0	0.000.0	0.01
Debt-to-Equity	-1.010.0	-1.01+0.0	-1.030.0	-1.04+0.1	-1.11+0.0	-1.120.0	-1.12-0.0	-1.11
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Innovative Payment Solutions Inc's annual revenue?

Innovative Payment Solutions Inc (IPSI) reported $250K in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Is Innovative Payment Solutions Inc profitable?

No, Innovative Payment Solutions Inc (IPSI) reported a net income of -$4.4M in fiscal year 2025, with a net profit margin of -1757.8%.

What is Innovative Payment Solutions Inc's EBITDA?

Innovative Payment Solutions Inc (IPSI) had EBITDA of -$1.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Innovative Payment Solutions Inc's operating margin?

Innovative Payment Solutions Inc (IPSI) had an operating margin of -407.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Innovative Payment Solutions Inc's net profit margin?

Innovative Payment Solutions Inc (IPSI) had a net profit margin of -1757.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Innovative Payment Solutions Inc pay dividends?

Yes, Innovative Payment Solutions Inc (IPSI) paid $1.80 per share in dividends during fiscal year 2025.

What is Innovative Payment Solutions Inc's operating cash flow?

Innovative Payment Solutions Inc (IPSI) generated -$788K in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

How many shares does Innovative Payment Solutions Inc have outstanding?

Innovative Payment Solutions Inc (IPSI) had 724M shares outstanding as of fiscal year 2025.

Are Innovative Payment Solutions Inc's earnings high quality?

Innovative Payment Solutions Inc (IPSI) has an earnings quality ratio of 0.18x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Innovative Payment Solutions Inc cover its interest payments?

Innovative Payment Solutions Inc (IPSI) has an interest coverage ratio of -4.3x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.