Investview's Revenue Plummets 30% Amidst Crypto Downturn, Posts Net Loss

TL;DR

**INVUP is bleeding cash and revenue, with crypto mining and membership models struggling; steer clear until a clear turnaround strategy emerges.**

AI Summary

Investview, Inc. (INVUP) experienced a significant decline in revenue and net income for the six months ended June 30, 2025, compared to the same period in 2024. Total revenue decreased by 30.3% from $28,778,598 in 2024 to $20,053,970 in 2025. This was primarily driven by a 33.6% drop in membership revenue, from $25,057,222 to $16,636,125, and a 54.6% decrease in mining revenue, from $3,721,376 to $1,692,175. The company reported a net loss of $259,575 for the six months ended June 30, 2025, a stark contrast to the net income of $2,202,787 in the prior year. Operating costs and expenses also saw a reduction, falling from $26,453,092 to $20,484,144, largely due to a 32.6% decrease in commissions. Cash and cash equivalents declined by 28.1% from $22,467,710 at December 31, 2024, to $16,162,133 at June 30, 2025. A notable business change is the introduction of health and wellness product sales, generating $1,680,019 in revenue for the six months ended June 30, 2025, which was not present in the prior year. The company also faces litigation regarding collection efforts against a credit card processor, as disclosed in Note 11.

Why It Matters

Investview's substantial revenue decline and shift to a net loss signal significant headwinds for investors, particularly given the sharp drops in both membership and mining revenues. The company's reliance on digital assets for revenue and operations, coupled with a lawsuit against a credit card processor for uncollected funds, introduces considerable risk. For employees, sustained losses could lead to operational restructuring or workforce adjustments. Customers might see changes in service offerings or pricing as the company navigates financial pressures. In the broader market, this performance highlights the volatility and challenges faced by companies heavily involved in cryptocurrency mining and multi-level marketing models, especially in a competitive fintech landscape where larger, more stable players dominate.

Risk Assessment

Risk Level: high — The company reported a net loss of $259,575 for the six months ended June 30, 2025, a significant deterioration from a $2,202,787 net income in the prior year. Cash and cash equivalents decreased by $6,305,577 during the six months, indicating a substantial cash burn from operating activities, which used $3,715,138. Furthermore, the disclosure of litigation against a credit card processor for uncollected amounts (Note 11) points to operational and financial instability.

Analyst Insight

Investors should exercise extreme caution and consider divesting from INVUP given the severe revenue contraction, net loss, and significant cash burn. Await clear evidence of sustained profitability, resolution of collection issues, and a robust strategy to reverse declining membership and mining revenues before considering any investment.

Financial Highlights

debt To Equity

0.71

revenue

$20,053,970

operating Margin

-2.15%

total Assets

$29,544,632

total Debt

$2,708,901

net Income

$(259,575)

eps

$0.00

gross Margin

N/A

cash Position

$16,162,133

revenue Growth

-30.3%

Revenue Breakdown

Key Numbers

• $20,053,970 — Total Revenue (Decreased by 30.3% for the six months ended June 30, 2025, from $28,778,598 in 2024.)
• $(259,575) — Net Income (Loss) (Shifted from a net income of $2,202,787 in 2024 to a net loss for the six months ended June 30, 2025.)
• $16,636,125 — Membership Revenue (Decreased by 33.6% for the six months ended June 30, 2025, from $25,057,222 in 2024.)
• $1,692,175 — Mining Revenue (Decreased by 54.6% for the six months ended June 30, 2025, from $3,721,376 in 2024.)
• $16,162,133 — Cash and Cash Equivalents (Decreased by 28.1% from $22,467,710 at December 31, 2024, to June 30, 2025.)
• $3,715,138 — Net Cash Used in Operating Activities (Significant cash outflow for the six months ended June 30, 2025, compared to $10,275,788 provided in 2024.)
• $1,680,019 — Health and Wellness Product Sales (New revenue stream for the six months ended June 30, 2025, not present in 2024.)
• 1,853,692,635 — Common Stock Shares Outstanding (As of August 8, 2025.)

Key Players & Entities

• Investview, Inc. (company) — registrant
• iGenius, LLC (company) — wholly owned subsidiary
• SAFETek, LLC (company) — wholly owned subsidiary
• ELRT Technologies, LLC (company) — 50% owned entity
• Securities and Exchange Commission (regulator) — filing oversight
• Wealth Generators, LLC (company) — acquired subsidiary
• Market Trend Strategies, LLC (company) — entity involved in spin-off
• Bloomberg (company) — publisher
• Federal Deposit Insurance Corporation (regulator) — insurance provider for cash balances

FAQ

Risk Factors

• Litigation with Credit Card Processor [medium — legal]: The company is involved in litigation concerning collection efforts against a credit card processor, as disclosed in Note 11. The outcome of this litigation could have a material impact on the company's financial condition and operations.
• Declining Revenue and Profitability [high — financial]: Total revenue decreased by 30.3% to $20,053,970 for the six months ended June 30, 2025, compared to $28,778,598 in the prior year. This led to a net loss of $259,575, a significant shift from a net income of $2,202,787 in the prior year.
• Decreasing Cash Reserves [medium — financial]: Cash and cash equivalents decreased by 28.1% from $22,467,710 at December 31, 2024, to $16,162,133 at June 30, 2025. This reduction in liquidity could impact the company's ability to fund operations and investments.
• Dependence on Membership Revenue [medium — operational]: Membership revenue, the largest segment, saw a 33.6% decline. The company's reliance on this segment makes it vulnerable to changes in subscriber behavior or market demand.
• Volatility in Mining Revenue [medium — operational]: Mining revenue experienced a sharp 54.6% decrease, indicating potential instability or challenges within this business segment.

Industry Context

Investview operates in a competitive landscape that includes subscription-based services and potentially digital asset-related businesses. The decline in membership revenue suggests increased competition or a shift in consumer preferences. The introduction of health and wellness products indicates a diversification strategy to tap into growing markets.

Regulatory Implications

The company must ensure compliance with all financial reporting regulations, including accurate disclosure of litigation and financial performance. Any adverse outcome in the legal proceedings could trigger further regulatory scrutiny.

What Investors Should Do

1. Monitor the impact of the new health and wellness product sales.
2. Closely track the resolution of the litigation with the credit card processor.
3. Analyze the drivers behind the significant drop in membership and mining revenue.
4. Evaluate the company's cash burn rate and liquidity position.

Key Dates

• 2025-06-30: Six Months Ended — Period for which financial results are reported, showing significant revenue and net income decline.
• 2024-06-30: Six Months Ended — Prior period comparison, showing a net income of $2,202,787 and higher revenue.
• 2025-12-31: Year End — Reference point for cash and cash equivalents at the beginning of the reporting period.
• 2025-08-08: Common Stock Shares Outstanding — Indicates the total number of shares outstanding as of a recent date.

Glossary

Accumulated deficit

The cumulative net losses of a company since its inception, minus any cumulative net income. (Shows the company has historically incurred more losses than profits, standing at $(87,726,763) as of June 30, 2025.)

Treasury stock

Stock that a company has repurchased from the open market. (The company repurchased shares, indicated by treasury stock of $(44,642) as of June 30, 2025.)

Noncontrolling interest

The portion of equity of a subsidiary that is not attributable to the parent company. (Reflects the equity of minority shareholders in consolidated subsidiaries, with a balance of $8,864 as of June 30, 2025.)

Digital assets

Assets that exist in a digital or electronic form, such as cryptocurrencies or other digital tokens. (The company holds digital assets valued at $2,860,812 as of June 30, 2025, and experienced gains/losses from their valuation.)

Derivative liability

A financial instrument whose value is derived from an underlying asset, index, or security, and represents an obligation. (The company has a small derivative liability of $605 as of June 30, 2025.)

Year-Over-Year Comparison

Compared to the six months ended June 30, 2024, Investview, Inc. experienced a significant downturn in financial performance. Total revenue dropped by 30.3% from $28,778,598 to $20,053,970, primarily due to a 33.6% decrease in membership revenue and a 54.6% drop in mining revenue. This revenue decline, coupled with a net loss of $259,575 in the current period, starkly contrasts with the net income of $2,202,787 reported in the prior year. While operating costs were reduced, the overall financial health appears weaker, as evidenced by a 28.1% decrease in cash and cash equivalents.

Filing Documents

• form10-q.htm (10-Q) — 1390KB
• ex31-01.htm (EX-31.01) — 8KB
• ex31-02.htm (EX-31.02) — 8KB
• ex32-01.htm (EX-32.01) — 4KB
• ex32-02.htm (EX-32.02) — 3KB
• 0001493152-25-011912.txt ( ) — 8362KB
• invu-20250630.xsd (EX-101.SCH) — 54KB
• invu-20250630_cal.xml (EX-101.CAL) — 83KB
• invu-20250630_def.xml (EX-101.DEF) — 265KB
• invu-20250630_lab.xml (EX-101.LAB) — 515KB
• invu-20250630_pre.xml (EX-101.PRE) — 424KB
• form10-q_htm.xml (XML) — 1494KB

From the Filing

UNITED SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED June 30, 2025 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from__________________ to _______________________. Commission File Number 000-27019 Investview, Inc. (Exact name of registrant as specified in its charter) Nevada 87-0369205 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 521 West Lancaster Avenue , Second Floor , Haverford , Pennsylvania 19041 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: 732 - 889-4300 Securities registered pursuant to Section 12(b) of the Act: None Title of each class Trading Symbol(s) Name of each exchange on which registered Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act. Large accelerated filer Accelerated reporting company Emerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes No As of August 8, 2025, there were 1,853,692,635 shares of common stock, $ 0.001 par value, outstanding. INVESTVIEW, INC. Form 10-Q for the Six Months Ended June 30, 2025 Table of Contents PART I – FINANCIAL INFORMATION 3 ITEM 1 – FINANCIAL STATEMENTS 3 Condensed Consolidated Balance Sheets as of June 30, 2025 (Unaudited) and December 31, 2024 3 Condensed Consolidated Statements of Operations and Other Comprehensive Income (Loss) for the Three and Six Months Ended June 30, 2025 and 2024 (Unaudited) 4 Condensed Consolidated Statements of Stockholders' Equity (Deficit) for the Three and Six Months Ended June 30, 2025 and 2024 (Unaudited) 5 Condensed Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2025 and 2024 (Unaudited) 6 Notes to Condensed Consolidated Financial Statements as of June 30, 2025 (Unaudited) 7 ITEM 2 – MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 33 ITEM 3 – QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK 39 ITEM 4 – CONTROLS AND PROCEDURES 39 PART II – OTHER INFORMATION 40 ITEM 1 – LEGAL PROCEEDINGS 40 ITEM 1.A – RISK FACTORS 40 ITEM 2 – UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS 41 ITEM 3 – DEFAULTS UPON SENIOR SECURITIES 41 ITEM 4 – MINE SAFETY DISCLOSURES 41 ITEM 5 – OTHER INFORMATION 41 ITEM 6 – EXHIBITS 42 SIGNATURE PAGE 43 2 PART I – FINANCIAL INFORMATION ITEM 1 – FINANCIAL STATEMENTS INVESTVIEW, INC. CONDENSED CONSOLIDATED BALANCE SHEETS June 30 December 31, 2025 2024 (unaudited) ASSETS Current assets: Cash and cash equivalents $ 16,162,133 $ 22,467,710 Prepaid assets 1,005,470 497,620 Deposits, current 2,807,780 936,434 Receivables 2,527,802 2,534,727 Inventory 1,061,597 495,865 Income tax paid in advance 459,872 459,872 Total current assets 24,024,654 27,392,228 Fixed assets, net 1,554,468 1,868,441 Other assets: Digital assets 2,860,812 1,127,891 Goodwill 873,701 873,701 Intangible assets, net 40,310 40,310 Operating lease right-of-use asset 133,659 211,996 Deposits 57,028 57,028 Total other assets 3,965,510 2,310,926 Total assets $ 29,544,632 $ 31,571,595 LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIT) Current liabilities: Accounts payable and accrued liabilities $ 5,138,563 $ 7,139,684 Payroll liabilities 255,371 271,606 Income tax payable 201,266 202,573 Deferred revenue 2,732,466 3,029,145 Der

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