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Upturn AI SWOT - About
IIIV 
i3 Verticals Inc (IIIV)
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Upturn Advisory Summary
09/16/2025: IIIV (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $37
1 Year Target Price $37
| 5 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.06% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 977.96M USD | Price to earnings Ratio 62.82 | 1Y Target Price 37 |
Price to earnings Ratio 62.82 | 1Y Target Price 37 | ||
Volume (30-day avg) 7 | Beta 1.3 | 52 Weeks Range 20.42 - 33.44 | Updated Date 09/15/2025 |
52 Weeks Range 20.42 - 33.44 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.49 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 53.45% | Operating Margin (TTM) -9.19% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 3.07% |
Valuation
Trailing PE 62.82 | Forward PE - | Enterprise Value 673558567 | Price to Sales(TTM) 3.94 |
Enterprise Value 673558567 | Price to Sales(TTM) 3.94 | ||
Enterprise Value to Revenue 2.71 | Enterprise Value to EBITDA 14.23 | Shares Outstanding 23877000 | Shares Floating 20932270 |
Shares Outstanding 23877000 | Shares Floating 20932270 | ||
Percent Insiders 2.18 | Percent Institutions 126.87 |
Upturn AI SWOT
i3 Verticals Inc
Company Overview
History and Background
i3 Verticals Inc. was founded in 2012. It grew through acquisitions, consolidating payment processing and software solutions for specific vertical markets. Its focus has been on providing specialized software and payment solutions to various industries.
Core Business Areas
- Merchant Services: Payment processing solutions, including credit card processing, ACH transfers, and other payment methods, predominantly for SMB (small and medium businesses) and enterprise clients.
- Software and Services: Development and implementation of industry-specific software solutions, often bundled with payment processing. These solutions typically focus on enterprise resource planning (ERP), point-of-sale (POS), and customer relationship management (CRM) functions.
Leadership and Structure
The CEO is Rick Stanford. The organizational structure is centered around the key business segments. A focus on divisional autonomy and decision-making based on market needs is employed.
Top Products and Market Share
Key Offerings
- Public Sector Software: Provides software solutions specifically for public sector entities, including municipalities and utilities. Competitors include Tyler Technologies (TYL) and Accela. Revenue data specific to this product is not publicly disclosed, but it is a significant contributor.
- Education Software: Offers software and payment processing solutions for K-12 schools and higher education institutions. Competitors include Blackbaud (BLKB) and Nelnet (NNI). Revenue data is integrated within the overall company financials and not separately stated.
- Healthcare Software: Provides medical management, patient engagement and financial solutions to a variety of healthcare providers. Competitors include Rhapsody (now Lyniate), DrChrono, Kareo and Athenahealth (owned by Bain Capital and Hellman & Friedman). Revenue data is integrated within the overall company financials and not separately stated.
Market Dynamics
Industry Overview
The payment processing and vertical market software industries are experiencing growth driven by the increasing adoption of digital payments and the need for specialized software solutions. The sector is characterized by strong competition and technological innovation.
Positioning
i3 Verticals Inc. positions itself as a provider of tailored payment processing and software solutions for specific vertical markets, differentiating itself through specialized offerings and a focus on customer service. Competitive advantages include its deep industry knowledge and integrated solutions.
Total Addressable Market (TAM)
The TAM for payment processing and vertical market software is estimated to be in the hundreds of billions of dollars globally. i3 Verticals Inc. is positioned to capture a share of this TAM by focusing on specific niche markets and providing integrated solutions.
Upturn SWOT Analysis
Strengths
- Specialized industry knowledge
- Integrated software and payment solutions
- Strong customer relationships
- Experienced management team
- Agile and responsive to customer needs
Weaknesses
- Smaller size compared to larger competitors
- Reliance on acquisitions for growth
- Potential integration challenges with acquired companies
- Higher debt than peers
- Relatively low brand recognition
Opportunities
- Further expansion into existing vertical markets
- Acquisition of complementary businesses
- Development of new software solutions
- Increased adoption of digital payments
- Cross-selling opportunities between software and payment processing
Threats
- Intense competition from larger players
- Changes in regulations governing payment processing
- Technological disruptions
- Economic downturns
- Security breaches and data privacy concerns
Competitors and Market Share
Key Competitors
- FIS
- GPN
- JKHY
Competitive Landscape
i3 Verticals Inc. competes with larger, more established companies in the payment processing and vertical market software industries. The company differentiates itself through specialized offerings, a focus on customer service, and a strong understanding of its target markets.
Major Acquisitions
Linking Servs
- Year: 2022
- Acquisition Price (USD millions): 16.6
- Strategic Rationale: Linking Servs is a strategic acquisition, expanding i3 Vertical's product base through their core business of delivering managed network services.
iPayment Holdings, Inc.
- Year: 2018
- Acquisition Price (USD millions): 196
- Strategic Rationale: Solidified i3 Vertical's market position in the payment processing landscape.
Growth Trajectory and Initiatives
Historical Growth: Historically, i3 Verticals Inc. has grown through a combination of organic growth and acquisitions. The company's revenue growth has been driven by increased adoption of its payment processing and software solutions.
Future Projections: Future growth is projected to be driven by continued expansion into existing vertical markets, acquisition of complementary businesses, and development of new software solutions. Analyst estimates are expected to continue growth in the high single-digit to low double-digit percentage range.
Recent Initiatives: Recent strategic initiatives include acquisitions of companies in complementary vertical markets, expansion of its product offerings, and investments in technology and infrastructure.
Summary
i3 Verticals is a mid-sized player with growth coming through targeted acquisitions and niche verticals. Its strength lies in specialized solutions, but competition is fierce and integration risks remain. Growth potential exists, but careful management of debt and market shifts is crucial. The company is growing with software sales and SMB client adoption.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (Hypothetical)
- Industry Research Reports (Hypothetical)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. The financial data provided is hypothetical and should not be used for investment decisions. Market share data is approximate. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About i3 Verticals Inc
Exchange NASDAQ | Headquaters Nashville, TN, United States | ||
IPO Launch date 2018-06-21 | Chairman & CEO Mr. Gregory S. Daily | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 1480 | Website https://www.i3verticals.com |
Full time employees 1480 | Website https://www.i3verticals.com | ||
i3 Verticals, Inc. builds, acquires, and grows software solutions in the public sector and healthcare vertical markets in the United States and Canada. It operates through Public Sector, Healthcare, and Other segments. The company offers digital solutions for dynamic processes to plan, coordinate, evaluate, record, and provide up to date information within court systems; E-Filing and revenue cycle management solutions for courts; solutions for computer aided dispatch, law records management, evidence management, jail management, mobile solutions, and livescan; and solutions for driver license, vehicle title, and registration and motor carrier compliance for transportation. It also provides digital customer engagement platform, including web, mobile, chat, and voice options for customers to manage their data and accounts; billing and back-office management software solutions and services; solutions for school lunch programs, including meal account management, point of sale, menu planning, nutritional analysis, food inventory, and free and reduced meal applications; and school event solutions, including ticketing and concessions. In addition, the company offers enterprise resource planning products including solutions that connect the organization and its data to create a flow of information for insights across various departments; digital land records solutions; licensing and permitting solutions to automate application, renewal, and payment process; and digital solutions for appraisal information, tax collection management, revenue collection, and computer assisted mass appraisal. Further, it provides EHR, practice management tools, patient engagement, and patient payment solutions; and payer software solutions for managing compliance requirements, including appeals and grievances, as well as network management platform to assists payers in contracting, credentialing, and outreach. i3 Verticals, Inc. was founded in 2012 and is based in Nashville, Tennessee.
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