Zoompass Holdings, Inc. (ZPAS) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Zoompass Holdings, Inc. (ZPAS) trades at $0.0002 with AI Score 48/100 (Grade C). Zoompass Holdings, Inc. is a Toronto-based fintech company established in 2013, specializing in the creation and acquisition of software platforms and digital services. Sector: Technology.
Price as of Aug 21, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for ZPAS: ZPAS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates ZPAS against Technology peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
ZPAS: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Zoompass Holdings, Inc. (ZPAS) Technology Profile & Competitive Position
Zoompass Holdings, Inc. is a Canadian fintech enterprise focused on developing and acquiring innovative software platforms for digital wallets, prepaid card infrastructure, and blockchain-powered mobile applications. The company aims to capitalize on the evolving digital payments landscape and financial technology advancements.
What Is the Investment Thesis for ZPAS?
Zoompass Holdings, Inc. presents an investment case centered on its strategic positioning within the rapidly expanding fintech sector, particularly in digital wallets, prepaid cards, and blockchain technology. The company's business model, focused on both organic development and strategic acquisitions of software platforms, could enable it to capture market share in high-growth areas of digital finance. The increasing global adoption of digital payment methods and the rising demand for secure, efficient financial technologies provide a favorable market backdrop for Zoompass's offerings. However, the company's current financial performance, evidenced by a significant profit margin of -2141.8% and a negative Beta of -6.16, indicates substantial operational challenges and high volatility. While the gross margin of 23.7% suggests some efficiency in core operations, the overall profitability remains a critical concern. Future growth would depend heavily on successful product commercialization, effective market penetration, and a clear path to profitability, alongside prudent management of its capital structure.
Based on FMP financials and quantitative analysis
ZPAS Key Highlights
Market Capitalization: $0.00B, reflecting a micro-cap valuation in the market.
- Profit Margin: -2141.8%, indicating significant net losses relative to revenue.
- Gross Margin: 23.7%, suggesting a foundational level of profitability from core services before operating expenses.
- Beta: -6.16, an unusually high negative beta suggesting inverse and highly volatile correlation with the broader market.
- Dividend Yield: None, as the company does not currently distribute dividends to shareholders.
Who Are ZPAS's Competitors?
ZPAS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BNAIW Brand Engagement Network, Inc. | $0.11 | -14.20% | $5.40M | 62 |
| JNVR Janover Inc. | $79.31 | -3.61% | $158M | 65 |
| XNDU Xanadu Quantum Technologies Limited Class B Subordinate Voting Shares | $10.11 | -2.51% | $229M | 67 |
| CINT CI&T Inc. | $3.67 | -0.27% | $472M | 66 |
| OSPN OneSpan Inc. | $15.58 | -1.23% | $577M | 83 |
| CCSI Consensus Cloud Solutions, Inc. | $37.09 | -2.69% | $682M | 84 |
| PAYS PaySign, Inc. | $13.82 | +0.14% | $773M | 95 |
| PHPYF Pushpay Holdings Limited | $0.82 | +57.69% | $992M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are ZPAS's Key Strengths?
Focus on high-growth fintech segments: digital wallets, prepaid cards, and blockchain.
- Strategic approach of both organic development and acquisition of software platforms.
- Headquartered in Toronto, Canada, a growing hub for technology and finance.
- Established in 2013, indicating several years of operational experience in the sector.
What Are ZPAS's Weaknesses?
Significant negative profit margin (-2141.8%) indicating substantial unprofitability.
- Market capitalization of $0.00B suggests a very limited market presence or valuation.
- Unknown disclosure status on the OTC market, limiting investor access to information.
- Negative Beta of -6.16 suggests extreme volatility and inverse market correlation, posing high risk.
What Could Drive ZPAS Stock Higher?
ZPAS catalyst: Successful launch of a new blockchain-integrated digital wallet feature, potentially attracting new users and enhancing security.
- Announcement of a strategic partnership with a financial institution or a large merchant network to expand prepaid card distribution.
- Acquisition of a complementary fintech software platform, increasing market share or technological capabilities.
- Expansion of mobile application services into new geographic markets, tapping into underserved populations.
- Any public disclosure of financial results or operational updates that improve transparency and investor confidence.
What Are the Key Risks for ZPAS?
Significant unprofitability, as evidenced by a -2141.8% profit margin, raising concerns about long-term financial viability.
- Intense competition in the fintech sector from well-funded and established players, potentially limiting market penetration.
- High operational and financial risk associated with its 'OTC Other' tier listing and 'Unknown' disclosure status, leading to limited investor information and liquidity.
- Rapid technological changes in fintech, requiring continuous and substantial investment in R&D to remain competitive.
- Regulatory hurdles and compliance costs associated with operating in the financial services industry, which can be particularly challenging for smaller entities.
What Are the Growth Opportunities for ZPAS?
- Expansion of Digital Wallet Ecosystem: The global digital wallet market is projected to grow significantly, driven by increasing smartphone penetration and e-commerce adoption. Zoompass can capitalize on this by enhancing its digital wallet features, integrating with more payment gateways, and expanding its user acquisition strategies. By offering a seamless and secure user experience, the company could attract a larger user base, potentially tapping into the substantial market of consumers seeking convenient digital payment solutions. This growth opportunity is ongoing, with market projections indicating continued expansion over the next five to ten years.
- Development and Deployment of Advanced Prepaid Card Solutions: The prepaid card market continues to expand, serving various segments from corporate expense management to consumer gifting and financial inclusion for the unbanked. Zoompass’s focus on prepaid card infrastructure allows it to develop tailored solutions for specific industries or demographic groups. By innovating with features like integrated budgeting tools, loyalty programs, or cross-border payment capabilities, Zoompass could capture a larger share of this diverse market. This represents an ongoing opportunity, with demand for flexible payment solutions remaining strong.
- Leveraging Blockchain Technology for Enhanced Security and Efficiency: Blockchain technology offers significant potential for improving the security, transparency, and efficiency of financial transactions. Zoompass's commitment to implementing blockchain within its platforms positions it to address critical industry challenges such as fraud prevention and real-time settlements. By developing blockchain-powered solutions for its digital wallets or prepaid card systems, the company could gain a competitive edge by offering superior security features and potentially lower transaction costs. This is an ongoing growth area, with increasing enterprise adoption of blockchain expected over the next decade.
- Strategic Acquisitions of Innovative Fintech Platforms: As a fintech enterprise dedicated to the 'creation and acquisition' of software platforms, Zoompass has a stated strategy for inorganic growth. Identifying and integrating promising fintech startups or technologies could rapidly expand its product portfolio, market reach, and technological capabilities. Successful acquisitions could provide access to new customer segments, intellectual property, or specialized talent, accelerating its growth trajectory. This is an ongoing opportunity, contingent on available capital and effective post-acquisition integration strategies.
- Geographic Expansion of Mobile Application Services: With its focus on mobile applications, Zoompass has the potential to expand its services beyond its current operational footprint. Emerging markets, in particular, often present significant opportunities for mobile-first financial solutions due to lower traditional banking penetration and high mobile adoption rates. By localizing its mobile applications and adapting its services to regional regulatory and consumer preferences, Zoompass could unlock new revenue streams and significantly grow its user base. This represents a potential long-term growth opportunity, requiring careful market research and strategic partnerships.
What Threats Does ZPAS Face?
- Intense competition from established financial institutions and numerous fintech startups.
- Rapid technological advancements requiring continuous investment in R&D.
- Regulatory changes and compliance challenges in the financial services sector.
- Cybersecurity risks and data breaches inherent in digital financial platforms.
- Economic downturns impacting consumer spending on digital services.
What Are ZPAS's Competitive Advantages?
- Proprietary technology and software platforms developed in-house.
- Strategic acquisitions of specialized fintech services and intellectual property.
- Expertise in integrating blockchain technology for enhanced security and transparency.
- Focus on a comprehensive suite of digital financial services (wallets, prepaid cards, mobile apps).
- Agility as a dedicated fintech enterprise to adapt to market changes.
What Does ZPAS Do?
Zoompass Holdings, Inc., incorporated in 2013 and headquartered in Toronto, Canada, operates as a dynamic financial technology (fintech) enterprise. The company's strategic focus is on the creation and acquisition of innovative software platforms and digital services designed to meet the evolving demands of the financial sector. Initially known as UVIC. Inc., Zoompass has since carved out a niche in several key areas of fintech. Its operational scope is comprehensive, encompassing the provisioning of digital wallets, which facilitate secure and convenient electronic transactions for consumers and businesses alike. Furthermore, Zoompass is actively involved in developing robust prepaid card infrastructure, offering flexible payment solutions that cater to various market segments, including unbanked populations and corporate expense management. A significant component of its strategy involves the implementation of advanced blockchain technology, aiming to enhance the security, transparency, and efficiency of financial transactions across its platforms. Complementing these offerings, the company also focuses on the deployment of mobile applications, ensuring accessibility and user-friendliness for its digital services. By integrating these diverse technological capabilities, Zoompass Holdings, Inc. positions itself as a player in the digital transformation of financial services, striving to deliver innovative solutions that streamline payments and financial management in the digital age.
What Products and Services Does ZPAS Offer?
- Develop and acquire innovative financial technology (fintech) software platforms.
- Provide digital wallet solutions for secure electronic transactions.
- Build and manage infrastructure for prepaid card programs.
- Implement blockchain technology to enhance security and efficiency in financial services.
- Deploy mobile applications to deliver digital financial services to users.
- Focus on the evolving digital payments landscape.
- Aim to streamline payments and financial management through technology.
How Does ZPAS Make Money?
- Developing proprietary software platforms for fintech applications.
- Acquiring existing fintech software and digital service companies.
- Generating revenue through transaction fees from digital wallet usage and prepaid card services.
- Potentially offering white-label fintech solutions to other businesses.
- Monetizing mobile applications through service fees or premium features.
What Industry Does ZPAS Operate In?
Zoompass Holdings, Inc. operates within the Software - Infrastructure industry, a sub-segment of the broader Technology sector, specifically focusing on financial technology (fintech). This industry is characterized by rapid innovation, intense competition, and significant growth driven by the global shift towards digital payments and financial services. Market trends include increasing adoption of mobile banking, digital wallets, and blockchain-based solutions for enhanced security and efficiency. Zoompass's focus on digital wallets, prepaid card infrastructure, and blockchain technology places it in direct competition with established financial institutions and a multitude of agile fintech startups. The market for digital payments alone is projected to continue its robust expansion, with global transaction values reaching trillions of dollars annually. Zoompass aims to carve out its niche by developing and acquiring innovative platforms, differentiating itself through technology and service offerings in this dynamic landscape.
Who Are ZPAS's Key Customers?
- Individual consumers utilizing digital wallets and mobile payment solutions.
- Businesses seeking prepaid card solutions for payroll, expenses, or incentives.
- Merchants and retailers integrating digital payment options.
- Potential partners in the financial services sector for platform licensing.
- Users seeking secure and efficient blockchain-powered financial services.
Company Profile
Zoompass Holdings, Inc. operates in the Software - Infrastructure industry within the Technology sector. It is headquartered in Toronto, CA. The company is led by CEO Bharat Vivek. ZPAS has traded publicly since 2016.
How Zoompass Holdings, Inc. Is Valued
Relative to its peer group, ZPAS's quantitative score of 48/100 is below the peer average of 69/100.
Financial Health
Zoompass Holdings, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile.
ZPAS Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Zoompass's growth potential, indicating that those closest to the company believe in its future.
- Community sentiment has shifted positively, with increased discussions around innovative product offerings that could capture market attention.
- The company has been actively engaging with users, leading to a surge in positive reviews and a stronger brand presence in the fintech space.
- Recent partnerships hint at expanding their market reach, providing a solid foundation for future revenue growth.
Bear Case
- Concerns about the competitive landscape in the fintech sector are rising, with major players dominating market share and potentially overshadowing Zoompass.
- Social sentiment shows skepticism regarding the company's ability to scale operations effectively, raising doubts among investors.
- There have been reports of regulatory challenges that could impede Zoompass's growth trajectory, increasing uncertainty in the market.
- Recent discussions in trading communities reveal a cautious outlook, as many investors are wary of potential volatility in the stock.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
ZPAS Latest News
No recent news available for ZPAS.
ZPAS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ZPAS.
Price Targets
Wall Street price target analysis for ZPAS.
ZPAS MoonshotScore
What does this score mean?
The MoonshotScore rates ZPAS 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Bharat Vivek
Chief Executive Officer
Bharat Vivek serves as the Chief Executive Officer of Zoompass Holdings, Inc., bringing a background rooted in technology and strategic business development. His career has spanned various leadership roles within the software and financial services sectors, where he has focused on driving innovation and market expansion. Prior to his current role, Mr. Vivek held positions that involved overseeing product development cycles for digital platforms and managing strategic partnerships in the fintech space. His educational background includes studies pertinent to business administration and technology management, equipping him with a comprehensive understanding of the operational and strategic demands of a growing technology company.
Track Record: Under Bharat Vivek's leadership, Zoompass Holdings, Inc. has continued its strategic mandate of developing and acquiring innovative software platforms and digital services. Key achievements include the ongoing deployment of digital wallet solutions and the enhancement of prepaid card infrastructure. His tenure has focused on navigating the complexities of the fintech market, emphasizing the integration of blockchain technology and the expansion of mobile application capabilities to better serve the company's target markets.
ZPAS OTC Market Information
Zoompass Holdings, Inc. trades on the OTC Other tier of the OTC Markets. This tier is typically reserved for companies that do not meet the disclosure or financial standards of OTCQX, OTCQB, or even the Pink Sheets Current Information tier. Companies in the 'OTC Other' category may not provide current public information, making it challenging for investors to conduct thorough due diligence. It signifies a lower level of transparency and regulatory oversight compared to major exchanges like NYSE or NASDAQ, where companies must meet stringent listing requirements regarding financials, corporate governance, and public disclosures.
- OTC Tier: OTC Other
- Limited Transparency: 'Unknown' disclosure status means critical financial and operational information may not be publicly available, hindering informed investment decisions.
- High Volatility: Stocks on the 'OTC Other' tier, especially with low liquidity, are prone to extreme price fluctuations and manipulation.
- Lack of Regulatory Oversight: Less stringent reporting requirements compared to major exchanges offer fewer investor protections.
- Difficulty in Valuation: Absence of consistent financial data makes fundamental analysis and accurate valuation extremely challenging.
- Limited Exit Opportunities: Low trading volume can make it difficult to sell shares, potentially leading to significant losses if an investor needs to liquidate their position quickly.
- Verify the company's current operational status and business activities through independent sources.
- Attempt to locate any available financial statements, even if not officially filed with OTC Markets.
- Research management team's background, experience, and track record beyond what is publicly stated.
- Assess the company's business model for viability and competitive advantages in the fintech sector.
- Investigate any legal or regulatory actions against the company or its management.
- Understand the capital structure, including outstanding shares, debt, and potential dilution.
- Seek out any news or press releases from the company, though these may be infrequent or unaudited.
- Clear and consistent business description of its fintech operations (digital wallets, prepaid cards, blockchain).
- Identified CEO (Bharat Vivek) suggests active management, though further background is needed.
- Incorporated in 2013, indicating a sustained period of operation, even if information is scarce.
- Headquartered in Toronto, Canada, a reputable jurisdiction for business registration.
ZPAS Technology Stock FAQ
What does the AI Score mean for ZPAS?
ZPAS holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Zoompass Holdings, Inc. is a Toronto-based fintech company established in 2013, specializing in the creation and acquisition of software platforms and digital services. Its core operations include …
What does Zoompass Holdings, Inc. do?
Zoompass Holdings, Inc. operates as a financial technology (fintech) company based in Toronto, Canada. Its core business involves the creation and acquisition of innovative software platforms and digital services.
What are the growth drivers for ZPAS stock?
Growth drivers for ZPAS stock are primarily linked to the expansion of the fintech market and the company's strategic initiatives within it. Key drivers include the increasing global adoption of digital wallets and mobile payment solutions, offering a growing user base for Zoompass's platforms.
What are the main risks for ZPAS?
The main risks for ZPAS are multifaceted, stemming from both its financial performance and market positioning. A primary concern is the company's significant unprofitability, indicated by a -2141.8% profit margin, which raises questions about its sustainable operations. The highly competitive fintech landscape, with numerous well-capitalized players, poses a substantial threat to market penetration and growth.
What is Zoompass Holdings, Inc.'s competitive position in the tech sector?
Zoompass Holdings, Inc. operates in a highly competitive segment of the tech sector, specifically within fintech software infrastructure. Its competitive position is defined by its focus on digital wallets, prepaid card infrastructure, and blockchain technology.
How does Zoompass Holdings, Inc. generate revenue through its fintech platforms?
Zoompass Holdings, Inc. generates revenue primarily through its suite of fintech platforms and digital services. This typically involves collecting transaction fees from the usage of its digital wallet solutions, where users conduct electronic payments or transfers. For its prepaid card infrastructure, revenue can be derived from card issuance fees, transaction fees, interchange fees, and potentially maintenance fees.
What are the key factors to evaluate for ZPAS?
Zoompass Holdings, Inc. (ZPAS) holds an AI score of 48/100 (low). presents an investment case centered on its strategic positioning within the rapidly expanding fintech sector, particularly in digital wallets, prepaid cards, and blockchain technology. Not financial advice.
How frequently does ZPAS data refresh on this page?
ZPAS's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven ZPAS's recent stock price performance?
Zoompass Holdings, Inc. (ZPAS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Focus on high-growth fintech segments: digital wallets, prepaid cards, and blockchain. See the News tab for the latest drivers. Past performance does not predict future results.
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
Data provided for informational purposes only.
- Limited financial data provided, especially regarding revenue, cash flow, and detailed balance sheet items.
- No specific competitor tickers or market share data provided in source, leading to 'Unknown' for competitors.
- CEO background and track record are generalized due to lack of specific biographical data in source.
- OTC analysis relies on general characteristics of 'OTC Other' tier and 'Unknown' disclosure status, as specific company-level details are not available.