Cash flow Innovative Payment Solutions, Inc.

Equities

IPSI

US45783M2089

Business Support Services

Market Closed - OTC Markets Other stock markets 23:45:48 13/03/2026 +04			5-day change	1st Jan Change
0.007800 ^USD	+11.43%		-3.70%	-38.58%

11-21	Innovative Payment Solutions, Inc. Forms Astria Insurance Solutions Inc. to Enter Insurance Marketing, Licensing, and Crypto-Enabled Premium Payments	CI
11-18	Innovative Payment Solutions Launches Full-Spectrum Payments Platform, Enters Commercial Deployment	CI

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Published financial data: INNOVATIVE PAYMENT SOLUTIONS, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Revenues	-	-	847	410	-
Total Revenues	-	-	847	410	-
Cost of Goods Sold, Total	-	-	5.05K	3.55K	-
Gross Profit	-	-	-4.2K	-3.14K	-
Selling General & Admin Expenses, Total	1.74M	10.28M	5.54M	3.58M	1.88M
Depreciation & Amortization - (IS)	12.5K	17.94K	132K	381K	2.17K
Other Operating Expenses, Total	1.75M	10.3M	5.67M	3.96M	1.89M
Operating Income	-1.75M	-10.3M	-5.68M	-3.96M	-1.89M
Interest Expense, Total	-1.45M	-3.88M	-463K	-1.19M	-1.64M
Interest And Investment Income	-	-	-	-	32.84K
Net Interest Expenses	-1.45M	-3.88M	-463K	-1.19M	-1.61M
Income (Loss) On Equity Invest.	-	-	-	-403K	-706K
Currency Exchange Gains (Loss)	-	-	-	-	-
Other Non Operating Income (Expenses)	-694K	5.19M	412K	421K	4.84M
EBT, Excl. Unusual Items	-3.9M	-9M	-5.73M	-5.14M	641K
Gain (Loss) On Sale Of Investments	-1.02M	-	-1	-	-
Gain (Loss) On Sale Of Assets	-	-	-	-	-2.6K
Other Unusual Items	-529K	-5.5M	-4.6M	-164K	-4.76M
EBT, Incl. Unusual Items	-5.44M	-14.49M	-10.33M	-5.3M	-4.13M
Earnings From Continuing Operations	-5.44M	-14.49M	-10.33M	-5.3M	-4.13M
Earnings Of Discontinued Operations	-	-	-	-536K	-
Net Income to Company	-5.44M	-14.49M	-10.33M	-5.84M	-4.13M
Minority Interest	-	12.79K	43.27K	1.6K	-
Net Income - (IS)	-5.44M	-14.48M	-10.29M	-5.84M	-4.13M
Net Income to Common Incl Extra Items	-5.44M	-14.48M	-10.29M	-5.84M	-4.13M
Net Income to Common Excl. Extra Items	-5.44M	-14.48M	-10.29M	-5.3M	-4.13M
Per Share Items
Net EPS - Basic	-0.95	-1.3	-0.83	-0.45	-0.27
Basic EPS - Continuing Operations	-0.95	-1.3	-0.83	-0.41	-0.27
Basic Weighted Average Shares Outstanding	5.71M	11.14M	12.41M	12.84M	15.08M
Net EPS - Diluted	-0.95	-1.3	-0.83	-0.45	-0.27
Diluted EPS - Continuing Operations	-0.95	-1.3	-0.83	-0.41	-0.27
Diluted Weighted Average Shares Outstanding	5.71M	11.14M	12.41M	12.84M	15.08M
Normalized Basic EPS	-0.43	-0.5	-0.29	-0.25	0.03
Normalized Diluted EPS	-0.43	-0.5	-0.29	-0.25	0.03
Supplemental Items
EBITDA	-1.74M	-10.28M	-5.65M	-3.93M	-1.88M
EBITA	-1.75M	-10.3M	-5.68M	-3.96M	-1.89M
EBIT	-1.75M	-10.3M	-5.68M	-3.96M	-1.89M
EBITDAR	-1.7M	-10.21M	-5.59M	-3.89M	-
Normalized Net Income	-2.43M	-5.61M	-3.54M	-3.21M	401K
Interest on Long-Term Debt	-	-	-	-	-
Supplemental Operating Expense Items
General and Administrative Expenses	1.74M	10.28M	5.54M	3.58M	1.88M
Research And Development Expense From Footnotes	-	-	101K	347K	-
Net Rental Expense, Total	41.42K	74.8K	57.6K	40.7K	-
Imputed Operating Lease Interest Expense	584K	1.4M	77.38K	93.5K	-
Imputed Operating Lease Depreciation	-542K	-1.33M	-19.78K	-52.79K	-
Stock-Based Comp., G&A Exp. (Total)	590K	6.57M	1.59M	378K	220K
Stock-Based Comp., Other (Total)	69K	1.22M	333K	-	-
Total Stock-Based Compensation	659K	7.79M	1.93M	378K	220K

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	94.7K	5.45M	375K	50.43K	526
Total Cash And Short Term Investments	94.7K	5.45M	375K	50.43K	526
Accounts Receivable, Total	-	-	-	-	-
Other Receivables	-	-	-	-	-
Notes Receivable	-	-	-	-	371K
Total Receivables	-	-	-	-	371K
Inventory	-	-	-	-	-
Prepaid Expenses	-	-	-	-	-
Other Current Assets, Total	5.27K	85.03K	97.04K	38.82K	7.89K
Total Current Assets	99.97K	5.53M	472K	89.25K	380K
Gross Property Plant And Equipment	124K	-	-	-	-
Accumulated Depreciation	-34.82K	-	-	-	-
Net Property Plant And Equipment	89.43K	28.8K	40.36K	7.03K	4.86K
Long-term Investments	1	500K	500K	704K	1
Other Intangibles, Total	-	625K	1.69M	-	-
Other Long-Term Assets, Total	4K	34.8K	47.59K	5K	-
Total Assets	193K	6.72M	2.75M	805K	384K
Liabilities
Accounts Payable, Total	462K	465K	762K	2.02M	2.99M
Accrued Expenses, Total	4K	-	-	-	-
Short-term Borrowings	927K	1.96M	3.23M	4.77M	6.69M
Current Portion of Long-Term Debt	60.29K	-	-	9.37K	8.87K
Current Portion of Leases	44.13K	-	-	-	-
Other Current Liabilities	2.97M	407K	2.55M	1.43M	1.14M
Total Current Liabilities	4.46M	2.83M	6.54M	8.23M	10.82M
Long-Term Debt	153K	158K	164K	150K	150K
Long-Term Leases	7.79K	-	-	-	-
Total Liabilities	4.62M	2.99M	6.71M	8.38M	10.97M
Common Stock, Total	19.36K	36.79K	37.69K	1.38K	1.91K
Additional Paid In Capital	23.18M	45.77M	48.41M	50.66M	52.2M
Retained Earnings	-27.63M	-42.11M	-52.4M	-58.24M	-62.79M
Comprehensive Income and Other	-	-	-	-	-
Total Common Equity	-4.43M	3.7M	-3.96M	-7.58M	-10.58M
Minority Interest	-	35.21K	1.6K	-	-
Total Equity	-4.43M	3.73M	-3.95M	-7.58M	-10.58M
Total Liabilities And Equity	193K	6.72M	2.75M	805K	384K
Supplemental Items
ECS Total Shares Outstanding on Filing Date	10.99M	12.26M	12.56M	13.82M	70.38M
ECS Total Common Shares Outstanding	6.45M	12.26M	12.56M	13.82M	19.08M
Book Value / Share	-0.69	0.3	-0.31	-0.55	-0.55
Tangible Book Value	-4.43M	3.07M	-5.65M	-7.58M	-10.58M
Tangible Book Value Per Share	-0.69	0.25	-0.45	-0.55	-0.55
Total Debt	1.19M	2.12M	3.39M	4.93M	6.84M
Net Debt	1.1M	-3.33M	3.02M	4.88M	6.84M
Debt Equivalent Oper. Leases	331K	598K	461K	326K	-
Minority Interest, Total (Incl. Fin. Div)	-	35.21K	1.6K	-	-
Equity Method Investments, Total	-	-	-	704K	1
Account Code - Inventory Valuation	3	3	3	3	3
Inventories - Finished Goods, Total	-	-	-	-	-
Machinery, Total	37.5K	-	-	-	-
Full Time Employees	2	6	3	3	3

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-5.44M	-14.48M	-10.29M	-5.84M	-4.13M
Depreciation & Amortization - CF	47.32K	35.79K	31.48K	33.34K	2.17K
Depreciation & Amortization, Total	47.32K	35.79K	31.48K	33.34K	2.17K
Amortization of Deferred Charges, Total - (CF)	1.07M	3.65M	364K	1.12M	1.04M
(Gain) Loss on Sale of Investments - (CF)	1.02M	-	1	403K	706K
Asset Writedown & Restructuring Costs	-	-	-	-	-
Stock-Based Compensation (CF)	659K	7.79M	1.93M	378K	220K
Net Cash From Discontinued Operations	-	-	-	35.29K	-
Other Operating Activities, Total	1.18M	301K	4.51M	423K	-24.39K
Change In Accounts Receivable	-	-	-	-	-
Change In Inventories	-	-	-	-	-
Change In Accounts Payable	151K	-373	297K	1.58M	963K
Change in Other Net Operating Assets	61.77K	90.7K	99.52K	451K	574K
Cash from Operations	-1.26M	-2.61M	-3.06M	-1.42M	-648K
Capital Expenditure	-50K	-9.23K	-43.05K	-	-
Cash Acquisitions	-	-	-	-	-
Sale (Purchase) of Intangible assets	-	-625K	-820K	-44.4K	-
Investment in Marketable and Equity Securities, Total	-	-500K	-	-999K	-500
Other Investing Activities, Total	-	-34.8K	-12.79K	-21.43K	-338K
Cash from Investing	-50K	-1.17M	-876K	-1.06M	-339K
Short Term Debt Issued, Total	1.96M	2.57M	-	2.46M	1.32M
Long-Term Debt Issued, Total	210K	-	-	-	-
Total Debt Issued	2.17M	2.57M	-	2.46M	1.32M
Short Term Debt Repaid, Total	-808K	-543K	-1.15M	-304K	-382K
Total Debt Repaid	-808K	-543K	-1.15M	-304K	-382K
Issuance of Common Stock	33K	7.56M	-	-	-
Other Financing Activities, Total	-	-453K	9.65K	-	-
Cash from Financing	1.4M	9.13M	-1.14M	2.16M	937K
Foreign Exchange Rate Adjustments	-	-	-	-	-
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	91.72K	5.36M	-5.07M	-324K	-49.91K
Supplemental Items
Cash Interest Paid	330K	29.81K	88.26K	31.4K	55.06K
Levered Free Cash Flow	1.98M	-657K	50.72K	-726K	-617K
Unlevered Free Cash Flow	1.82M	-1.88M	76.88K	-750K	-629K
Change In Net Working Capital	-2.26M	2.64M	-2.43M	-1.01M	-326K
Net Debt Issued / Repaid	1.37M	2.03M	-1.15M	2.16M	937K

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-172.5	-186.19	-74.89	-139.14	-198.1
Return on Total Capital	64.87	-492.97	-134.12	154.11	36.87
Return On Equity %	216.74	4.14K	9.25K	91.93	45.44
Return on Common Equity	216.74	3.94K	7.91K	91.89	45.44
Margin Analysis
Gross Profit Margin %	-	-	-496.46	-765.12	-
SG&A Margin	-	-	654K	872K	-
EBITDA Margin %	-	-	-667K	-958K	-
EBITA Margin %	-	-	-670K	-966K	-
EBIT Margin %	-	-	-670K	-966K	-
Income From Continuing Operations Margin %	-	-	-1.22M	-1.29M	-
Net Income Margin %	-	-	-1.21M	-1.42M	-
Net Avail. For Common Margin %	-	-	-1.21M	-1.29M	-
Normalized Net Income Margin	-	-	-418K	-783K	-
Levered Free Cash Flow Margin	-	-	5.99K	-177K	-
Unlevered Free Cash Flow Margin	-	-	9.08K	-183K	-
Asset Turnover
Asset Turnover	-	-	0	0	-
Fixed Assets Turnover	-	-	0.02	0.02	-
Receivables Turnover (Average Receivables)	-	-	-	-	-
Inventory Turnover (Average Inventory)	-	-	-	-	-
Short Term Liquidity
Current Ratio	0.02	1.95	0.07	0.01	0.04
Quick Ratio	0.02	1.92	0.06	0.01	0
Operating Cash Flow to Current Liabilities	-0.28	-0.92	-0.47	-0.17	-0.06
Days Sales Outstanding (Average Receivables)	-	-	-	-	-
Days Outstanding Inventory (Average Inventory)	-	-	-	-	-
Average Days Payable Outstanding	-	-	44.32K	142K	-
Cash Conversion Cycle (Average Days)	-	-	-	-	-
Long Term Solvency
Total Debt/Equity	-26.91	56.81	-85.84	-65	-64.67
Total Debt / Total Capital	-36.81	36.23	-606.44	-185.71	-183.03
LT Debt/Equity	-3.62	4.24	-4.15	-1.98	-1.42
Long-Term Debt / Total Capital	-4.96	2.71	-29.29	-5.66	-4.01
Total Liabilities / Total Assets	2.39K	44.5	243.67	1.04K	2.85K
EBIT / Interest Expense	-1.21	-2.65	-12.26	-3.32	-1.15
EBITDA / Interest Expense	-1.18	-2.64	-12.19	-3.29	-1.15
(EBITDA - Capex) / Interest Expense	-1.21	-2.65	-12.29	-3.29	-1.15
Total Debt / EBITDA	-0.7	-0.21	-0.6	-1.25	-3.63
Net Debt / EBITDA	-0.65	0.32	-0.53	-1.24	-3.63
Total Debt / (EBITDA - Capex)	-0.68	-0.21	-0.6	-1.25	-3.63
Net Debt / (EBITDA - Capex)	-0.63	0.32	-0.53	-1.24	-3.63
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-	-	-	-51.59	-
Gross Profit, 1 Yr. Growth %	-	-	-	-25.4	-
EBITDA, 1 Yr. Growth %	132.03	490.4	-45.1	-29.35	-52.04
EBITA, 1 Yr. Growth %	117.16	487.22	-44.89	-29.15	-52.39
EBIT, 1 Yr. Growth %	117.16	487.22	-44.89	-29.15	-52.39
Earnings From Cont. Operations, 1 Yr. Growth %	34.51	166.23	-28.72	-48.25	-22.16
Net Income, 1 Yr. Growth %	46	165.99	-28.96	-43.28	-29.29
Normalized Net Income, 1 Yr. Growth %	282.92	130.39	-36.95	-7.84	-112.48
Diluted EPS Before Extra, 1 Yr. Growth %	-77.11	36.35	-36.19	-49.81	-33.67
Accounts Receivable, 1 Yr. Growth %	-	-	-	-	-
Inventory, 1 Yr. Growth %	-	-	-	-	-
Net Property, Plant and Equip., 1 Yr. Growth %	-	-67.8	40.15	-82.59	-30.87
Total Assets, 1 Yr. Growth %	-82.06	3.38K	-59.06	-70.75	-52.26
Tangible Book Value, 1 Yr. Growth %	647.04	-169.31	-283.94	41.44	39.68
Common Equity, 1 Yr. Growth %	647.04	-183.42	-207.04	91.55	39.68
Cash From Operations, 1 Yr. Growth %	62.13	107.61	17.4	-53.73	-54.26
Capital Expenditures, 1 Yr. Growth %	-	-81.53	366.2	-	-
Levered Free Cash Flow, 1 Yr. Growth %	-752.98	-133.12	-107.72	10.07	-15.02
Unlevered Free Cash Flow, 1 Yr. Growth %	-357.49	-203.44	-104.08	18.37	-16.12
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-	-	-	-	-
Gross Profit, 2 Yr. CAGR %	-	-	-	-	-
EBITDA, 2 Yr. CAGR %	36.3	270.13	80.03	-38.21	-41.79
EBITA, 2 Yr. CAGR %	32.8	257.1	79.89	-38	-41.92
EBIT, 2 Yr. CAGR %	32.8	257.1	79.89	-38	-41.92
Earnings From Cont. Operations, 2 Yr. CAGR %	21.79	89.23	37.75	-39.52	-36.53
Net Income, 2 Yr. CAGR %	3.65	97.07	37.46	-36.52	-36.67
Normalized Net Income, 2 Yr. CAGR %	658.34	197.02	20.53	-24.37	-66.08
Diluted EPS Before Extra, 2 Yr. CAGR %	-73.97	-44.13	-6.72	-43.65	-42.3
Accounts Receivable, 2 Yr. CAGR %	-	-	-	-	-
Inventory, 2 Yr. CAGR %	-	-	-	-	-
Net Property, Plant and Equip., 2 Yr. CAGR %	-	-	-32.82	-50.6	-65.31
Total Assets, 2 Yr. CAGR %	-57.37	149.74	277.26	-65.39	-62.63
Tangible Book Value, 2 Yr. CAGR %	17.52	127.55	12.91	57.08	40.56
Common Equity, 2 Yr. CAGR %	17.52	149.63	-5.51	43.19	63.57
Cash From Operations, 2 Yr. CAGR %	-14.89	83.46	56.12	-26.3	-53.99
Capital Expenditures, 2 Yr. CAGR %	-	-	-7.21	-	-
Levered Free Cash Flow, 2 Yr. CAGR %	42.15	47.06	-84.01	5.17	-3.28
Unlevered Free Cash Flow, 2 Yr. CAGR %	3.3	63.21	-79.46	-36.9	-0.35
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-	-	-	-	-
Gross Profit, 3 Yr. CAGR %	-	-	-	-	-
EBITDA, 3 Yr. CAGR %	-7.14	122.18	95.92	31.12	-43.21
EBITA, 3 Yr. CAGR %	-7.84	117.97	91.54	31.18	-43.23
EBIT, 3 Yr. CAGR %	-7.84	117.97	91.54	31.18	-43.23
Earnings From Cont. Operations, 3 Yr. CAGR %	5.54	58.06	36.66	-0.89	-34.22
Net Income, 3 Yr. CAGR %	5.54	41.91	40.25	2.34	-34.2
Normalized Net Income, 3 Yr. CAGR %	-4.82	409.79	77.19	9.64	-58.51
Diluted EPS Before Extra, 3 Yr. CAGR %	-66.33	-54.79	-41.6	-24.35	-40.5
Accounts Receivable, 3 Yr. CAGR %	-	-	-	-	-
Inventory, 3 Yr. CAGR %	-	-	-	-	-
Net Property, Plant and Equip., 3 Yr. CAGR %	-17.68	-	-	-57.17	-44.75
Total Assets, 3 Yr. CAGR %	-48.1	84.88	36.68	60.87	-61.47
Tangible Book Value, 3 Yr. CAGR %	-0.71	-1.45	111.97	19.59	51.05
Common Equity, 3 Yr. CAGR %	0.23	4.83	88.24	19.59	42.01
Cash From Operations, 3 Yr. CAGR %	-13	14.57	58.1	4.09	-37.13
Capital Expenditures, 3 Yr. CAGR %	41.8	-	-	-	-
Levered Free Cash Flow, 3 Yr. CAGR %	-6.53	-12.53	-44.93	-28.45	-2.04
Unlevered Free Cash Flow, 3 Yr. CAGR %	0.32	3.35	-52.28	-25.6	-30.62
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	-	-81.55	-	-
Gross Profit, 5 Yr. CAGR %	-	-	-31.22	-	-
EBITDA, 5 Yr. CAGR %	-8.9	19.5	21.02	33.17	20.19
EBITA, 5 Yr. CAGR %	-9.19	19.19	20.43	31.82	18.47
EBIT, 5 Yr. CAGR %	-9.19	19.19	20.43	31.82	18.47
Earnings From Cont. Operations, 5 Yr. CAGR %	10.47	25.1	17.41	7.63	0.39
Net Income, 5 Yr. CAGR %	10.47	25.08	17.31	2.86	2.05
Normalized Net Income, 5 Yr. CAGR %	3.32	13.66	4.61	137.64	-8.83
Diluted EPS Before Extra, 5 Yr. CAGR %	-52.31	-45.46	-49.39	-50.63	-41.98
Net Property, Plant and Equip., 5 Yr. CAGR %	-21.52	-34.08	-24.11	-	-
Total Assets, 5 Yr. CAGR %	-39.85	34.58	14.74	-5.42	-18.63
Tangible Book Value, 5 Yr. CAGR %	18.34	100.58	4.53	18.76	77.95
Common Equity, 5 Yr. CAGR %	15.88	69.65	-2.11	18.76	77.95
Cash From Operations, 5 Yr. CAGR %	-13.95	6.21	9.93	-3.96	-3.51
Capital Expenditures, 5 Yr. CAGR %	59.93	82.75	19.67	-	-
Levered Free Cash Flow, 5 Yr. CAGR %	12.91	43.65	-53.87	-5.84	15.25
Unlevered Free Cash Flow, 5 Yr. CAGR %	11.03	68.09	-46.8	-15.16	-2.31