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Innovative Payment SolutionsIPSI Debt-to-EBITDA is -7.75 as of Mar. 2026. The stock has 3 warning signs investors should review. Among 1,724 Software companies, Innovative Payment Solutions ranks worse than 58004.58% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Innovative Payment Solutions's Debt-to-EBITDA or its related term are showing as below:
IPSI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -456.39 Med: -0.57 Max: -0.12
Current: -456.39
During the past 13 years, the highest Debt-to-EBITDA Ratio of Innovative Payment Solutions was -0.12. The lowest was -456.39. And the median was -0.57.
IPSI's Debt-to-EBITDA is ranked worse than 100% of 1724
companies
in the Software industry
Industry Median: 1.09
vs IPSI: -456.39
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Innovative Payment Solutions Debt-to-EBITDA Related Terms
Innovative Payment Solutions Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
IPSI vs VISM, SMKG, OVTZ: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Innovative Payment Solutions's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Innovative Payment Solutions Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Innovative Payment Solutions's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Innovative Payment Solutions's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Innovative Payment Solutions (IPSI) has a Debt-to-EBITDA of -7.75 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Innovative Payment Solutions. According to the industry distribution chart, Innovative Payment Solutions ranks #999999 out of 1724 companies in the Software industry.
Is Innovative Payment Solutions' Debt-to-EBITDA too high?
Innovative Payment Solutions' current Debt-to-EBITDA is -7.75. Based on the distribution chart, Innovative Payment Solutions ranks #999999 out of 1724 companies in the Software industry, which is in the bottom quartile relative to peers.
How does Innovative Payment Solutions' Debt-to-EBITDA compare to VISM and SMKG?
According to the Software industry distribution chart, Innovative Payment Solutions ranks #999999 out of 1724 companies for Debt-to-EBITDA. This places Innovative Payment Solutions in the lower half of its industry. The industry median Debt-to-EBITDA is 1.09. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,724 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Innovative Payment Solutions. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Innovative Payment Solutions's current Debt-to-EBITDA is -7.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Innovative Payment Solutions stock overvalued right now?
Innovative Payment Solutions (IPSI) has a current Debt-to-EBITDA of -7.75. The current Debt-to-EBITDA is -7.75. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Innovative Payment Solutions (IPSI), the current Debt-to-EBITDA is -7.75 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Innovative Payment Solutions Inc fintech provider of digital payment solutions presently focused on, through its participation in IPSIPay Express, developing a new account-to-account payment application called Instant Settlement in RealTime as well as traditional credit card processing services.
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