Inverite Insights (TSE:INVR)
:INVR
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Inverite Insights
(INVR)
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Rating:45Neutral
Price Target:
C$0.23
▼(-35.00% Downside)
Action:Reiterated
Date:02/04/26
The score is primarily constrained by weak financial performance—deepening losses, negative equity, and ongoing cash burn—despite some recent revenue improvement. Technical indicators are mostly neutral with slightly negative momentum, and valuation is difficult to support given the company is currently loss-making and provides no dividend yield.
Positive Factors
Fee-based verification platform
A recurring, fee-based API/platform business serving lenders and fintechs is structurally durable: demand for reliable income verification and credit-decisioning is ongoing. That business model supports per-decision and subscription revenue streams with sticky client workflows and high switching friction over months.
Negative Factors
Persistently negative equity
Negative shareholders' equity is a structural constraint on financial resilience: it limits borrowing capacity, raises counterparty and regulatory concerns, and makes future financing more dilutive or costly. This undermines long-term strategic flexibility if losses persist.
Read all positive and negative factors
Positive Factors
Negative Factors
Fee-based verification platform
A recurring, fee-based API/platform business serving lenders and fintechs is structurally durable: demand for reliable income verification and credit-decisioning is ongoing. That business model supports per-decision and subscription revenue streams with sticky client workflows and high switching friction over months.
Read all positive factors
Inverite Insights (INVR) vs. iShares MSCI Canada ETF (EWC)
Market Cap
C$14.10M
Dividend YieldN/A
Average Volume (3M)20.19K
Price to Earnings (P/E)―
Beta (1Y)0.21
Revenue Growth7.15%
EPS Growth48.48%
CountryCA
Employees1
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.04
Shares Outstanding55,305,656
10 Day Avg. Volume11,050
30 Day Avg. Volume20,190
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)-4.25
Price to Sales (P/S)7.59
P/FCF Ratio-7.05
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Inverite Insights Business Overview & Revenue Model
Company Description
Inverite Insights Inc. provides AI-driven software focusing on real-time financial data, which empowers business lenders and financial institutions to transact effectively for data enrichment, identify-KYC, risk management, and compliance. The com...
How the Company Makes Money
Inverite Insights makes money primarily by selling access to its verification and credit-decisioning services to business customers (e.g., lenders/fintechs) on a fee-based basis. Revenue is generally generated when clients use the company’s platfo...
Inverite Insights Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
12
Very Negative
Cash Flow
16
Very Negative
| Breakdown | TTM | Mar 2025 | Dec 2023 | Dec 2022 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.32M | 1.24M | 1.24M | 1.09M | 1.36M | 1.25M |
| Gross Profit | 797.10K | -356.00K | 939.61K | 148.03K | 506.30K | 438.17K |
| EBITDA | -1.89M | -2.38M | -257.63K | -5.13M | -4.82M | -3.30M |
| Net Income | -1.99M | -2.61M | -803.94K | -5.29M | -5.06M | -3.55M |
Balance Sheet | ||||||
| Total Assets | 2.60M | 2.27M | 2.61M | 3.54M | 6.03M | 4.57M |
| Cash, Cash Equivalents and Short-Term Investments | 412.25K | 10.43K | 56.60K | 44.01K | 1.11M | 1.33M |
| Total Debt | 1.09M | 1.90M | 1.55M | 6.29M | 6.60M | 5.99M |
| Total Liabilities | 2.70M | 4.49M | 3.88M | 9.18M | 9.00M | 6.76M |
| Stockholders Equity | 31.19K | -2.22M | -1.27M | -5.64M | -2.96M | -2.19M |
Cash Flow | ||||||
| Free Cash Flow | -1.21M | -1.34M | -1.86M | -2.51M | -2.94M | -1.74M |
| Operating Cash Flow | -1.21M | -1.34M | -1.86M | -2.51M | -2.89M | -1.74M |
| Investing Cash Flow | 0.00 | 0.00 | 25.00K | -130.94K | -1.49M | -4.13K |
| Financing Cash Flow | 1.55M | 1.29M | 1.85M | 1.58M | 4.16M | 2.31M |
Inverite Insights Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
55 Neutral | C$86.46M | 15.74 | 31.69% | ― | -27.75% | 52.58% | |
54 Neutral | C$270.81M | -19.93 | -89.38% | ― | ― | 71.44% | |
48 Neutral | C$62.94M | -5.39 | -8.68% | ― | 30.79% | 48.25% | |
46 Neutral | C$120.58M | 11.45 | -11.71% | ― | -34.67% | -203.85% | |
45 Neutral | C$14.10M | -4.38 | 310.88% | ― | 7.15% | 48.48% | |
40 Underperform | C$75.08M | 17.67 | -55.24% | ― | 52.23% | -300.60% |
* Financial Sector Average
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Inverite Insights
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Inverite Insights Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
Inverite Positions for Canada’s New Consumer-Driven Banking Era After Bill C-15
Positive
Apr 2, 2026
Inverite Insights is a Canadian risk infrastructure provider that supplies real-time financial data, bank verification, income analytics, and AI-driven risk and fraud solutions to fintechs, lenders, and financial institutions nationwide. By focusi...
Business Operations and StrategyFinancial Disclosures
Inverite Posts Record Early-2026 Growth as Demand for Risk Infrastructure Climbs
Positive
Mar 12, 2026
Inverite Insights reported a strong start to 2026, with January revenue rising 10.6% month over month and February revenue up a further 5.1%, supported by growing transaction volumes. The company’s proprietary AI analytics platform has seen ...
Business Operations and Strategy
Inverite Backs Open Banking Expo Canada 2026 to Help Shape Data Portability Era
Positive
Mar 5, 2026
Inverite Insights will sponsor Open Banking Expo Canada 2026 in Toronto as an Event Partner, underscoring its role in the country’s emerging consumer-driven banking ecosystem. The company’s CEO, Karim Nanji, will join a high-profile de...
Business Operations and StrategyProduct-Related Announcements
Inverite to Power Ownly’s Digital Income Checks for Homebuyers
Positive
Feb 24, 2026
Inverite Insights has signed an agreement with Canadian digital homebuying platform Ownly to power income verification and affordability assessments for prospective homebuyers using Ownly’s system. Ownly will integrate Inverite’s Insta...
Business Operations and Strategy
Inverite Highlights Fraud-Focused Risk Tools at Automotive Finance Canada 2026
Positive
Feb 10, 2026
Inverite Insights announced it is attending the Canadian Lenders Association’s Automotive Finance Canada 2026 conference in Toronto, underscoring its focus on the auto finance sector as lenders confront rising fraud and demands for faster, d...
Business Operations and Strategy
Pay2Day Returns to Inverite as Primary Bank Verification Partner After Year-Long Review
Positive
Feb 5, 2026
Inverite Insights has renewed its role as the primary bank verification provider for Canadian lender Pay2Day, which operates online and through 35 branches across four provinces, after Pay2Day spent a year evaluating alternative bank-data provider...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.