What is INNOVATIVE PYMNT SOLUTION's earnings per share (EPS)?

INNOVATIVE PYMNT SOLUTION (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 PYMNT SOLUTION (IPSI) Financials

IPSI

FY2025 annual

Revenue Not reported for FY2025

Net Income -$4.4M YoY not available

EPS (Diluted) -$0.02 YoY not available

Operating Cash Flow -$788K -21.5% YoY

Market Cap $597K as of Oct 8, 2026

Price / Sales n/m no revenue reported

Price / Earnings n/m net loss, so no earnings multiple, FY2025

Price / Book n/m negative shareholder equity, so no book multiple, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 14, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the IPSI SEC filings page.

This page shows INNOVATIVE PYMNT SOLUTION (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).

Rhea AI IPSI FY2025 2026-10-03

The business is operating with negative equity, extremely thin liquidity, and liabilities far above assets, while reported revenue remains unavailable.

In FY2025, total liabilities of $11.9M were about 2.8x total assets of $4.3M, leaving negative equity of $7.6M; combined with a current ratio below 0.1x, this describes a balance sheet dependent on obligations rather than an asset cushion. Operating cash flow of -$788K alongside a net loss of $4.4M indicates that reported cash generation did not offset the period’s accounting loss.

The latest reported cash, cash equivalents, and investments equaled just 0.5 months of annual operating outflow, a comparison that underscores limited liquidity rather than financial flexibility.

Some figures from recent filings were inconsistent and were omitted from this summary.

Financial Health Signals

Financial health score not available

INNOVATIVE PYMNT SOLUTION does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

1/5

INNOVATIVE PYMNT SOLUTION passes 1 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 1 of 3 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).

Earnings Quality No Cash Backing

N/A

INNOVATIVE PYMNT SOLUTION reported a net loss of $4.4M while operations used $788K of cash. With neither figure positive, the ratio between the two carries no quality signal.

Interest Coverage At Risk

N/A

INNOVATIVE PYMNT SOLUTION reported an operating loss of $1.0M against $238K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.

Key Financial Metrics

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Earnings & Revenue

EBITDA

-$368K

YoY-115.9%

QoQ+67.8%

INNOVATIVE PYMNT SOLUTION's EBITDA was -$368K in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 115.9% from the same quarter a year earlier. Against the prior quarter it is up 67.8%.

Net Income

-$12.7M

QoQ-2075.3%

INNOVATIVE PYMNT SOLUTION reported -$12.7M in net income in Q2 2026. Against the prior quarter it is down 2075.3%.

EPS (Diluted)

-$0.01

INNOVATIVE PYMNT SOLUTION earned -$0.01 per diluted share (EPS) in Q2 2026.

Revenue

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$48

YoY-99.8%

QoQ-99.6%

INNOVATIVE PYMNT SOLUTION held $48 in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

994M

QoQ+37.3%

5Y CAGR+22.8%

INNOVATIVE PYMNT SOLUTION had 994M shares outstanding in Q2 2026. Against the prior quarter it is up 37.3%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

None of these metrics is reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

IPSI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

IPSI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K
Revenue	N/A	N/A	N/A	$410-51.6%	$847	$0	N/A	N/A	$7.9M+101.4%	$3.9M+46.4%	$2.7M+138.7%	$1.1M	N/A
Cost of Revenue	N/A	N/A	N/A	$4K-29.8%	$5K	N/A	N/A	N/A	$7.9M+101.0%	$3.9M+50.8%	$2.6M+124.5%	$1.2M	N/A
Gross Profit	N/A	N/A	N/A	-$3K+25.4%	-$4K	N/A	N/A	N/A	$69K+151.5%	$27K-71.8%	$97K+448.7%	-$28K	N/A
SG&A Expenses	N/A	$1.0M-46.0%	$1.9M-47.3%	$3.6M-34.4%	$5.5M-47.0%	$10.3M	N/A	$808K-18.8%	$995K-54.7%	$2.2M-49.1%	$4.3M+55.1%	$2.8M+16090.6%	$17K
Operating Income	N/A	-$1.0M+45.9%	-$1.9M+52.4%	-$4.0M+29.1%	-$5.6M+45.8%	-$10.3M	N/A	-$808K+18.8%	-$995K+55.6%	-$2.2M+47.7%	-$4.3M-50.8%	-$2.8M	N/A
EBITDA	N/A	-$1.0M+46.0%	-$1.9M+47.4%	-$3.6M+34.4%	-$5.5M+46.9%	-$10.3M	N/A	N/A	-$938K+56.9%	-$2.2M+48.5%	-$4.2M-50.3%	-$2.8M	N/A
Interest Expense	N/A	$238K+99.8%	$119K-62.7%	$320K+64.8%	$194K-12.6%	$222K-39.5%	$367K+95.0%	$188K-93.9%	$3.1M+47.7%	$2.1M+3693.8%	$55K+2336.9%	$2K	N/A
Net Income	N/A	-$4.4M	N/A	N/A	-$10.3M+29.0%	-$14.5M	N/A	-$3.7M+26.4%	-$5.1M-9.4%	-$4.6M+2.1%	-$4.7M-42.9%	-$3.3M-7709.3%	-$42K
EPS (Basic)	N/A	-$0.02+93.3%	-$0.30+33.3%	-$0.45+45.8%	-$0.83-1975.0%	-$0.04-33.3%	-$0.03+78.6%	-$0.14+70.2%	-$0.47	N/A	N/A	N/A	N/A
EPS (Diluted)	—	-$0.02	-$0.30	-$0.45	-$0.83	-$0.04	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Diluted Shares (Avg)	N/A	317M	15M	13M	12M	334M	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
SG&A Expenses	$368K+115.9%	$1.1M+350.2%	N/A	$366K+23.5%	$171K-58.1%	$254K-59.4%	N/A	$296K-60.2%
Operating Income	-$369K-115.4%	-$1.1M-349.4%	N/A	-$367K-23.5%	-$171K+58.0%	-$255K+59.4%	N/A	-$297K+64.9%
EBITDA	-$368K-115.9%	-$1.1M-350.2%	N/A	-$366K-23.5%	-$171K+58.1%	-$254K+59.4%	N/A	-$296K+60.3%
Interest Expense	$64K+8.5%	$63K+17.9%	N/A	$61K+115.5%	$59K+134.4%	$54K-51.6%	N/A	$28K-66.0%
Net Income	-$12.7M	-$585K	N/A	N/A	N/A	N/A	N/A	-$1.7M-70.2%
EPS (Basic)	-$0.01+90.9%	$0.00+100.0%	$0.21+400.0%	-$0.06+60.0%	-$0.11-83.3%	-$0.12-500.0%	-$0.07+30.0%	-$0.15-87.5%
EPS (Diluted)	-$0.01	$0.00	$0.21	-$0.06	-$0.11	-$0.12	-$0.07	-$0.15-87.5%
Diluted Shares (Avg)	921M	766M	N/A	387M	195M	35M	N/A	15M+13.7%

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, Income Tax.

IPSI Balance Sheet

IPSI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K
Total Assets	$4.3M+1011.8%	$384K-52.3%	$805K-70.7%	$2.8M-59.1%	$6.7M+3376.4%	$193K-82.1%	$1.1M+1.3%	$1.1M-23.1%	$1.4M-9.1%	$1.5M-38.0%	$2.5M+7604.9%	$32K
Current Assets	$71K-81.2%	$380K+325.3%	$89K-93.0%	$1.3M-76.9%	$5.5M+5436.3%	$100K+72.3%	$58K-94.5%	$1.1M-2.2%	$1.1M-2.0%	$1.1M-42.6%	$1.9M+5962.9%	$32K
Cash & Equivalents	$30K+5566.2%	$526-99.0%	$50K-86.5%	$374K-93.0%	$5.4M+5567.8%	$95K+3079.0%	$3K-95.8%	$71K+274.7%	$19K-58.9%	$46K-94.4%	$832K+2510.1%	$32K
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$331K-34.5%	$505K+44.1%	$350K-9.9%	$389K	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$61K+1.5%	$60K-25.4%	$80K-67.0%	$242K	N/A
Long-Term Investments	$0	$0	$0-100.0%	$500K0.0%	$500K+50000000.0%	$1-100.0%	$1.0M+33898.7%	$3K0.0%	$3K0.0%	$3K	$0	$0
Total Liabilities	$11.9M+8.2%	$11.0M+30.8%	$8.4M+25.0%	$6.7M+124.2%	$3.0M-35.3%	$4.6M+176.7%	$1.7M-60.9%	$4.3M-26.1%	$5.8M+359.2%	$1.3M+275.2%	$336K+87555.9%	$383
Current Liabilities	$11.7M+8.3%	$10.8M+31.4%	$8.2M+25.8%	$6.5M+130.9%	$2.8M-36.5%	$4.5M+167.1%	$1.7M-60.9%	$4.3M-26.1%	$5.8M+359.2%	$1.3M+275.2%	$336K+87555.9%	$383
Non-Current Liabilities	$150K0.0%	$150K0.0%	$150K-8.5%	$164K+3.6%	$158K-1.3%	$161K	$0	$0	$0	$0	$0	$0
Total Equity	-$7.6M+28.3%	-$10.6M-39.7%	-$7.6M-91.6%	-$4.0M-207.0%	$3.7M+183.4%	-$4.4M-647.0%	-$593K+81.5%	-$3.2M+27.1%	-$4.4M-1773.1%	$263K-87.6%	$2.1M+6632.8%	$31K
Retained Earnings	-$69.0M-9.9%	-$62.8M-7.8%	-$58.2M-11.1%	-$52.4M-24.4%	-$42.1M-52.4%	-$27.6M-24.5%	-$22.2M-20.2%	-$18.5M-37.9%	-$13.4M-52.9%	-$8.8M-117.5%	-$4.0M-9155.3%	-$44K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$9.6M+2110.7%	$4.3M+987.9%	$4.3M+1011.8%	$478K-53.9%	$436K-56.9%	$392K-56.3%	$384K-52.3%	$1.0M+30.4%
Current Assets	$33K-92.3%	$57K-85.2%	$71K-81.2%	$475K+226.4%	$432K+238.7%	$387K+1888.7%	$380K+325.3%	$146K+111.6%
Cash & Equivalents	$48-99.8%	$12K+20254.4%	$30K+5566.2%	$7K+582.0%	$20K-74.4%	$57-99.2%	$526-99.0%	$1K-94.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$28.0M-17.8%	$11.1M-22.3%	$11.9M+8.2%	$55.5M+421.7%	$34.1M+267.7%	$14.3M+67.2%	$11.0M+30.8%	$10.6M+39.1%
Current Liabilities	$23.1M-32.0%	$11.0M-22.5%	$11.7M+8.3%	$55.3M+427.8%	$33.9M+272.1%	$14.2M+68.4%	$10.8M+31.4%	$10.5M+40.0%
Non-Current Liabilities	$150K0.0%	$150K0.0%	$150K0.0%	$150K0.0%	$150K0.0%	$150K0.0%	$150K0.0%	$150K-5.2%
Total Equity	-$18.4M+45.4%	-$6.9M+50.7%	-$7.6M+28.3%	-$55.0M-473.2%	-$33.6M-307.5%	-$13.9M-81.6%	-$10.6M-39.7%	-$9.6M-40.1%
Retained Earnings	-$82.4M+7.4%	-$69.6M-4.0%	-$69.0M-9.9%	-$111.1M-80.6%	-$88.9M-49.7%	-$66.9M-14.2%	-$62.8M-7.8%	-$61.5M-8.2%

Not reported in any period shown, so not listed: Inventory, Accounts Receivable, Goodwill, Long-Term Debt.

IPSI Cash Flow Statement

IPSI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K
Operating Cash Flow	-$816K	-$788K-21.5%	-$648K+54.3%	-$1.4M+53.7%	-$3.1M-17.4%	-$2.6M	N/A	-$775K+55.3%	-$1.7M+9.1%	-$1.9M+1.1%	-$1.9M-6886.5%	-$28K+36.0%	-$43K
Depreciation & Amortization	N/A	$2K0.0%	$2K-99.4%	$381K+187.5%	$132K+638.2%	$18K+43.5%	$13K	N/A	$57K-13.2%	$66K+5.6%	$62K+92.6%	$32K	N/A
Stock-Based Compensation	N/A	$22K-90.1%	$220K-41.7%	$378K-76.3%	$1.6M-75.7%	$6.6M+7370.1%	$88K-45.8%	$162K+23.1%	$132K	N/A	$144K-50.0%	$288K	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	$43K+366.2%	$9K-81.5%	$50K	N/A	$291-98.3%	$18K+3771.5%	$453-90.5%	$5K	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	-$3.1M-18.6%	-$2.6M	N/A	N/A	-$1.7M+9.9%	-$1.9M+0.2%	-$1.9M-5857.2%	-$32K	N/A
Investing Cash Flow	N/A	N/A	-$339K+68.2%	-$1.1M-21.6%	-$876K+25.1%	-$1.2M-2238.1%	-$50K	N/A	-$291+98.3%	-$18K-776.9%	-$2K	N/A	N/A
Financing Cash Flow	$796K	$817K-12.8%	$937K-56.6%	$2.2M+289.7%	-$1.1M-112.5%	$9.1M	N/A	$1.1M-44.5%	$1.9M-5.3%	$2.0M+143.6%	$822K	N/A	$50K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$123K+29.5%	-$303K-35.6%	-$252K-50.8%	-$137K-16.9%	-$175K-8.6%	-$224K-10.3%	-$167K+49.0%	-$117K+24.6%
Depreciation & Amortization	$330-39.1%	$330-39.1%	$5420.0%	$5430.0%	$5420.0%	$5420.0%	$5420.0%	$543-99.5%
Stock-Based Compensation	N/A	$1K-92.3%	N/A	N/A	N/A	$18K-81.1%	N/A	$94K+200.0%
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	-$50K-554.5%	-$100K+87.4%
Financing Cash Flow	$111K-42.8%	$285K+27.7%	$275K+26.9%	$124K-10.9%	$195K-25.9%	$223K-29.8%	$217K-37.7%	$139K-84.9%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.

IPSI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

IPSI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K
Gross Margin	N/A	N/A	-765.1%	-496.5%	N/A	N/A	N/A	0.9%+0.2pp	0.7%-2.9pp	3.6%+6.1pp	-2.5%	N/A
Operating Margin	N/A	N/A	-965883.7%	-659879.3%	N/A	N/A	N/A	-12.5%+44.3pp	-56.9%	-159.1%	-251.8%	N/A
Net Margin	N/A	N/A	N/A	-1214658.4%	N/A	N/A	N/A	-63.9%	-117.5%	-175.8%	-293.4%	N/A
Return on Equity	N/A	N/A	N/A	N/A	-391.8%	N/A	N/A	N/A	N/A	-1798.7%-1642.7pp	-156.1%-21.5pp	-134.5%
Return on Assets	-102.8%	N/A	N/A	-373.8%-158.4pp	-215.4%	N/A	-345.9%+130.4pp	-476.3%-141.6pp	-334.7%-24.0pp	-310.7%-176.0pp	-134.7%-1.8pp	-132.9%
Current Ratio	0.010.0x	0.040.0x	0.01-0.2x	0.20-1.8x	1.95+1.9x	0.020.0x	0.03-0.2x	0.25+0.1x	0.19-0.7x	0.88-4.9x	5.76-77.5x	83.24
Debt-to-Equity	N/A	N/A	N/A	N/A	0.81	N/A	N/A	N/A	N/A	4.79+4.6x	0.16+0.1x	0.01
Asset Turnover	N/A	N/A	0.000.0x	0.000.0x	0.00	N/A	N/A	7.46+4.6x	2.85+1.1x	1.77+1.3x	0.46	N/A
FCF Margin	N/A	N/A	N/A	-366588.2%	N/A	N/A	N/A	-21.9%+27.0pp	-48.9%+22.8pp	-71.7%-68.8pp	-2.9%	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Return on Assets	-132.2%	-13.7%	N/A	N/A	N/A	N/A	N/A	-166.5%-38.9pp
Current Ratio	0.000.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.030.0x	0.040.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Debt-to-Equity, Asset Turnover, FCF Margin.

Note: Shareholder equity is negative (-$7.6M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.

Note: The current ratio is below 1.0 (0.01), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
INNOVATIVE PYMNT SOLUTION IPSI	FY2025	N/A	-$4.4M	N/A	$597K	—
OCULUS INC OVTZ	FY2025	N/A	N/A	N/A	$2.5M	—
BORQS TECH CORP BRQSF	FY2025	$13.6M	$5.4M	39.4%	$3.6M	—

Where INNOVATIVE PYMNT SOLUTION Ranks

Frequently Asked Questions

Is INNOVATIVE PYMNT SOLUTION profitable?

No, INNOVATIVE PYMNT SOLUTION (IPSI) reported a net income of -$4.4M in fiscal year 2025.

What is INNOVATIVE PYMNT SOLUTION's EBITDA?

INNOVATIVE PYMNT SOLUTION (IPSI) had EBITDA of -$1.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

Does INNOVATIVE PYMNT SOLUTION pay dividends?

Yes, INNOVATIVE PYMNT SOLUTION (IPSI) paid $1.80 per share in dividends during fiscal year 2025.

What is INNOVATIVE PYMNT SOLUTION's operating cash flow?

INNOVATIVE PYMNT SOLUTION (IPSI) recorded an outflow of $788K in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are INNOVATIVE PYMNT SOLUTION's total assets?

INNOVATIVE PYMNT SOLUTION (IPSI) had $4.3M in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does INNOVATIVE PYMNT SOLUTION have outstanding?

INNOVATIVE PYMNT SOLUTION (IPSI) had 724M shares outstanding as of fiscal year 2025.

What is INNOVATIVE PYMNT SOLUTION's current ratio?

INNOVATIVE PYMNT SOLUTION (IPSI) had a current ratio of 0.01 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

What is INNOVATIVE PYMNT SOLUTION's return on assets (ROA)?

INNOVATIVE PYMNT SOLUTION (IPSI) had a return on assets of -102.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is INNOVATIVE PYMNT SOLUTION's P/E ratio?

INNOVATIVE PYMNT SOLUTION (IPSI) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2025). The market capitalization is $597K as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is INNOVATIVE PYMNT SOLUTION's price-to-sales ratio?

INNOVATIVE PYMNT SOLUTION (IPSI) has no price-to-sales ratio at the moment: no revenue reported. The market capitalization is $597K as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

How does INNOVATIVE PYMNT SOLUTION's liquidity compare with its operating cash outflow?

At the end of fiscal year 2025, INNOVATIVE PYMNT SOLUTION (IPSI) held $30K in cash, cash equivalents and investments, and reported an operating cash outflow of $788K over that year. Dividing the one by the other, the reported balance equals about 0 months of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.

Why is INNOVATIVE PYMNT SOLUTION's debt-to-equity ratio negative or not reported?

INNOVATIVE PYMNT SOLUTION (IPSI) has negative shareholder equity of -$7.6M as of fiscal year 2025, so no debt-to-equity ratio is reported: dividing debt by equity that is not positive produces a number that cannot be read as leverage. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.

What is INNOVATIVE PYMNT SOLUTION's Piotroski F-Score?

INNOVATIVE PYMNT SOLUTION (IPSI) has a Piotroski F-Score of 1 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are INNOVATIVE PYMNT SOLUTION's earnings high quality?

INNOVATIVE PYMNT SOLUTION (IPSI) reported a net loss of $4.4M while operations used $788K of cash. With neither figure positive, the ratio between the two carries no quality signal. 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 PYMNT SOLUTION cover its interest payments?

INNOVATIVE PYMNT SOLUTION (IPSI) reported an operating loss of $1.0M against $238K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. 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.