IPSI Innovative Payment Solutions, Inc.

OTC Retail-Catalog & Mail-Order Houses NV CIK: 0001591913
AI RATING
STRONG_SELL
98% Confidence

Investment Thesis

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.

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

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%

Key Metrics to Watch

Financial Metrics

Revenue
410.0
Net Income
-46.5M
EPS (Diluted)
$-0.23
Free Cash Flow
-578.5K
Total Assets
478.5K
Cash
7.0K

Profitability Ratios

Gross Margin -765.1%
Operating Margin -193,338.5%
Net Margin -11,348,640.2%
ROE N/A
ROA -9,724.3%
FCF Margin -141,104.9%

Balance Sheet & Liquidity

Current Ratio
0.01x
Quick Ratio
0.00x
Debt/Equity
N/A
Debt/Assets
11,589.7%
Interest Coverage
-4.56x
Long-term Debt
150.0K
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: 2026-03-29T12:52:12.303907 | Data as of: 2025-09-30 | Powered by Claude AI