nFinanSe Inc. (NFSE) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 14, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswernFinanSe Inc. (NFSE) trades at $0.0003. nFinanSe Inc. specializes in providing stored value cards, including Visa, Discover, general purpose reloadable, and gift cards, through an extensive network of retail and partner locations across the United States. Sector: Financials.
Price as of · Last analyzed: Jun 14, 2026Analyst Coverage for NFSE: NFSE does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
nFinanSe Inc. (NFSE) Financial Services Profile
nFinanSe Inc. operates within the financial services sector, focusing on the distribution of stored value cards, including Visa, Discover, and general purpose reloadable options, through a broad network of retail and partner locations across the United States, catering to diverse consumer needs for prepaid payment solutions.
What Is the Investment Thesis for NFSE?
nFinanSe Inc. operates within the stored value card market, leveraging an extensive distribution network that, as of January 1, 2011, included approximately 84,000 nFinanSe Network locations and 19,000 retail agent locations. The company's business model focuses on providing Visa, Discover, general purpose reloadable (GPR), and gift cards to consumers through grocery, convenience, and general merchandise stores. While the company maintains a 100.0% Gross Margin, suggesting efficient direct cost management for its services, its overall financial performance indicates significant challenges. The reported Profit Margin of -183.7% and Return on Equity (ROE) of -350.2% highlight substantial unprofitability and an inability to generate positive returns for shareholders. Furthermore, a Debt-to-Equity ratio of 99.85 indicates a high reliance on debt financing. The market capitalization of $0.00B suggests an extremely low valuation or minimal trading activity. The highly negative Beta of -83.64 is an anomalous figure, indicating an inverse and highly volatile relationship to market movements, which warrants careful consideration. The investment premise hinges on the potential for a significant operational turnaround, effective monetization of its historical distribution network, and a substantial improvement in its financial health, given the current metrics.
Based on FMP financials and quantitative analysis
NFSE Key Highlights
nFinanSe Inc. maintains a Gross Margin of 100.0%, indicating that the direct costs associated with its services are minimal relative to its revenue.
- The company reported a Profit Margin of -183.7%, signaling significant operational losses and unprofitability.
- Return on Equity (ROE) stands at -350.2%, reflecting substantial challenges in generating returns for equity holders.
- nFinanSe Inc. has a Debt-to-Equity ratio of 99.85, indicating a high level of financial leverage in its capital structure.
- The company's market capitalization is $0.00B, suggesting a very low market valuation or limited public trading activity.
Who Are NFSE's Competitors?
NFSE is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| PAPL Pineapple Financial Inc. | $0.90 | -3.70% | $23.6M | — |
| IOR Income Opportunity Realty Investors, Inc. | $17.00 | 0.00% | $69.1M | 43 5-pillar |
| GHI Greystone Housing Impact Investors LP | $5.50 | -0.53% | $130M | 44 5-pillar |
| BETR Better Home & Finance Holding Company | $11.04 | -6.36% | $173M | — |
| SNFCA Security National Financial Corporation | $9.25 | +1.98% | $203M | 82 5-pillar |
| LDI loanDepot, Inc. | $0.61 | -3.64% | $213M | — |
| ONIT Onity Group Inc. | $27.31 | +0.18% | $230M | 33 5-pillar |
| VEL Velocity Financial, Inc. | $14.55 | -0.27% | $571M | 53 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NFSE's Key Strengths?
Extensive distribution network with approximately 84,000 nFinanSe Network locations and 19,000 retail agent locations as of January 2011.
- Diverse product offering including Visa, Discover, GPR, and gift cards.
- Established presence in the stored value card market since 2000.
- 100.0% Gross Margin indicates efficient direct cost management.
What Are NFSE's Weaknesses?
Significant unprofitability with a Profit Margin of -183.7%.
- Substantial negative Return on Equity (ROE) at -350.2%.
- High Debt-to-Equity ratio of 99.85, indicating considerable financial leverage.
- Market capitalization of $0.00B suggests very low market valuation or limited trading.
What Are the Key Risks for NFSE?
Financial-distress signal — its Altman Z-Score of -25.85 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Sustained negative profitability, as indicated by a -183.7% Profit Margin, posing a challenge to long-term viability.
- Significant negative Return on Equity of -350.2%, signaling deep challenges in generating shareholder value and efficient capital utilization.
- High Debt-to-Equity ratio of 99.85, indicating substantial financial leverage and potential vulnerability to interest rate changes or debt servicing challenges.
- Intense competition from established financial institutions and rapidly evolving fintech solutions in the stored value card and broader payment processing markets.
- Regulatory changes impacting the prepaid card industry, potentially increasing compliance costs, restricting product offerings, or altering revenue streams.
What Threats Does NFSE Face?
- Intense competition from larger financial institutions and emerging fintech companies in the payment solutions market.
- Evolving regulatory landscape for prepaid cards, potentially increasing compliance costs or restricting product features.
- Shifting consumer preferences towards digital and mobile payment methods, potentially impacting demand for physical SVCs.
- Economic downturns or changes in consumer spending habits affecting transaction volumes and card sales.
What Are NFSE's Competitive Advantages?
- Extensive physical distribution network, which as of 2011 included 84,000 nFinanSe Network locations and 19,000 retail agent locations, providing broad market reach.
- Established partnerships with major financial service providers like Western Union and MoneyGram.
- Diverse portfolio of stored value cards, including widely recognized Visa and Discover brands, catering to various consumer needs.
- Experience in navigating the regulatory landscape of the prepaid card industry since its founding in 2000.
What Does NFSE Do?
nFinanSe Inc., originally founded in 2000 as Morgan Beaumont, Inc. and subsequently changing its name to nFinanSe Inc. in 2006, is a financial services company headquartered in Tampa, Florida. The company's core business revolves around the provision of stored value cards (SVCs) to consumers across the United States. These SVCs are distributed through a comprehensive network of grocery stores, convenience stores, and general merchandise stores, making prepaid payment solutions accessible to a wide demographic. The product portfolio offered by nFinanSe Inc. is diverse, encompassing popular options such as Visa and Discover branded cards, which provide broad acceptance for everyday transactions. In addition to these, the company offers bank-issued general purpose reloadable (GPR) cards, allowing consumers to add funds repeatedly, thereby serving as a flexible alternative to traditional banking services for many users. Gift cards are also a significant part of their offering, catering to the gifting market and providing closed-loop or open-loop prepaid solutions. nFinanSe Inc. leverages a robust distribution strategy, making its SVCs available directly to consumers through its extensive network of distribution partners. As of January 1, 2011, this network was substantial, consisting of approximately 84,000 nFinanSe Network locations, primarily comprised of established financial service providers like Western Union and MoneyGram. Furthermore, the company maintained relationships with approximately 19,000 retail agent locations, further solidifying its physical footprint and accessibility across various communities. This widespread presence underscores nFinanSe Inc.'s commitment to reaching consumers where they shop and conduct financial transactions, positioning itself as a key player in the stored value card segment of the financial services industry.
What Products and Services Does NFSE Offer?
- Provides stored value cards (SVCs) to consumers in the United States.
- Offers Visa and Discover branded SVCs for general spending.
- Distributes bank-issued general purpose reloadable (GPR) cards.
- Sells various gift cards for different purposes.
- Makes SVCs available through a network of grocery, convenience, and general merchandise stores.
- Utilizes a large distribution network, including Western Union and MoneyGram locations, for card sales and services.
- Manages operations from its headquarters in Tampa, Florida.
How Does NFSE Make Money?
- Generates revenue through the sale of stored value cards, including initial card purchase fees and potential reload fees for GPR cards.
- Partners with major card networks like Visa and Discover to offer branded prepaid products.
- Leverages an extensive physical distribution network of retail agents and partner locations to reach consumers directly.
- Focuses on providing accessible payment solutions for everyday transactions and gifting needs.
What Industry Does NFSE Operate In?
nFinanSe Inc. operates within the broader Financial Services sector, specifically identified under the 'Financial - Mortgages' industry, although its core business description details its focus on stored value cards (SVCs). Within the prepaid card segment, the company positions itself as a provider of Visa, Discover, general purpose reloadable (GPR), and gift cards, distributed through an extensive physical network. This market serves a diverse consumer base, including those who prefer prepaid solutions for budgeting, security, or as an alternative to traditional banking services. The competitive landscape includes large financial institutions offering their own prepaid card programs, as well as a growing number of fintech companies providing digital payment solutions. nFinanSe Inc.'s reliance on a physical distribution network, which as of 2011 included 84,000 nFinanSe Network locations and 19,000 retail agent locations, distinguishes its operational model within an industry increasingly shifting towards digital platforms. Its success hinges on maintaining relevance and efficiency in the evolving payment ecosystem.
Who Are NFSE's Key Customers?
- Individual consumers seeking prepaid payment solutions for budgeting or convenience.
- Unbanked or underbanked populations who rely on alternatives to traditional banking services.
- Customers purchasing gift cards for personal use or as presents.
- Shoppers at grocery stores, convenience stores, and general merchandise stores across the U.S.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
Company Profile
nFinanSe Inc. operates in the Financial - Mortgages industry within the Financial Services sector. It is headquartered in Tampa, US. NFSE has traded publicly since 2000.
Financial Health
nFinanSe Inc.'s Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -25.85 places it in the distress zone, a signal of elevated financial risk.
NFSE Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
NFSE Latest News
No recent news available for NFSE.
NFSE Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for NFSE.
Price Targets
Wall Street price target analysis for NFSE.
NFSE MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for NFSE; grades run from A+ (80-100) to F (below 30).
Leadership: Raymond Springer
Chief Executive Officer
Raymond Springer serves as the Chief Executive Officer of nFinanSe Inc., leading a team of 71 employees. His professional background is centered on the operational management and strategic direction of financial services companies, particularly within the stored value card sector. Springer's leadership is instrumental in overseeing the company's core business functions, including product development, distribution network management, and regulatory compliance within the prepaid card industry. His tenure involves navigating the evolving landscape of consumer payment solutions and maintaining the company's operational footprint across its extensive network of retail and partner locations.
Track Record: Under Raymond Springer's leadership, nFinanSe Inc. has maintained its presence in the stored value card market, overseeing the operations of its significant distribution network, which as of early 2011 included approximately 84,000 nFinanSe Network locations and 19,000 retail agent locations. His strategic focus has been on managing the company's product portfolio, which includes Visa and Discover branded cards, general purpose reloadable cards, and gift cards, ensuring their availability to consumers through established retail channels.
NFSE OTC Market Information
nFinanSe Inc. trades on the OTC market under the 'OTC Other' tier. This classification represents the lowest tier of the OTC market, typically for companies that do not meet the disclosure or financial standards of higher OTC tiers like OTCQX or OTCQB, nor the major exchanges like NYSE or NASDAQ. Companies in the 'OTC Other' tier often have limited public information available, making it challenging for investors to conduct thorough due diligence. This tier is characterized by minimal regulatory oversight and often includes companies with distressed financials or those that have ceased regular reporting.
- OTC Tier: OTC Other
- Limited public disclosure and transparency, making it difficult to assess the company's current financial health and operations.
- Extremely low liquidity and trading volume, which can lead to significant price volatility and difficulty in entering or exiting positions.
- Lack of regulatory oversight compared to major exchanges, increasing the potential for fraud or manipulative trading practices.
- Absence of analyst coverage and institutional interest, resulting in limited information and market efficiency.
- Potential for delisting or cessation of trading if the company fails to meet even minimal OTC requirements or ceases operations.
- Attempt to locate any available financial statements or regulatory filings, however infrequent or limited.
- Thoroughly research the company's management team and their track record, looking for any public information.
- Assess the current viability and competitive position of the stored value card business model in today's market.
- Investigate any news or press releases, however dated, to understand past operational activities.
- Understand the implications of the 'OTC Other' tier and the associated risks of investing in such thinly traded securities.
- Consider the company's historical operational footprint (e.g., 2011 network size) in context of its current status.
- Evaluate the extreme financial metrics (e.g., negative profit margin, ROE, $0.00B market cap) for their implications on solvency and going concern.
- Established founding year in 2000, indicating a historical operational presence.
- Clearly defined business model focused on stored value cards.
- Named CEO, Raymond Springer, providing a point of leadership accountability.
- Stated headquarters in Tampa, Florida, suggesting a physical operational base.
- Specific details about its distribution network as of 2011, including partnerships with Western Union and MoneyGram.
Common Questions About NFSE (Financials)
What does nFinanSe Inc. do?
nFinanSe Inc. specializes in providing stored value cards (SVCs) to consumers across the United States. Its product offerings include Visa and Discover branded cards, bank-issued general purpose reloadable (GPR) cards, and various gift cards.
How does nFinanSe Inc. make money in financial services?
nFinanSe Inc. generates revenue primarily through its stored value card business. This typically involves revenue streams from the initial sale of its Visa, Discover, GPR, and gift cards, which may include activation fees or card purchase fees.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- The provided source data for nFinanSe Inc. is limited and contains historical information, particularly regarding its distribution network size (as of January 1, 2011).
- Financial metrics provided (Market Cap, Profit Margin, ROE, D/E, Beta) are current but contrast sharply with the historical operational details, suggesting potential significant changes in the company's status or market perception.
- The listed industry 'Financial - Mortgages' appears inconsistent with the detailed business description of 'stored value cards'. The content prioritizes the business description for factual accuracy regarding operations.
- The absence of FMP PEER TICKERS required the 'competitors' section to state 'Unknown'.
- The extreme negative Beta value (-83.64) is noted as an unusual figure, but no further explanation or context is available in the source data.