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Upturn AI SWOT - About
IIIV 
i3 Verticals Inc (IIIV)
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Upturn Advisory Summary
08/28/2025: 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 -18.25% | Avg. Invested days 29 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.01B USD | Price to earnings Ratio 65.38 | 1Y Target Price 37 |
Price to earnings Ratio 65.38 | 1Y Target Price 37 | ||
Volume (30-day avg) 7 | Beta 1.33 | 52 Weeks Range 20.42 - 33.44 | Updated Date 08/28/2025 |
52 Weeks Range 20.42 - 33.44 | Updated Date 08/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-07 | When After Market | Estimate 0.21 | Actual 0.23 |
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 65.38 | Forward PE - | Enterprise Value 689078632 | Price to Sales(TTM) 4.08 |
Enterprise Value 689078632 | Price to Sales(TTM) 4.08 | ||
Enterprise Value to Revenue 2.78 | Enterprise Value to EBITDA 14.56 | Shares Outstanding 23877000 | Shares Floating 20927972 |
Shares Outstanding 23877000 | Shares Floating 20927972 | ||
Percent Insiders 2.2 | Percent Institutions 126.65 |
Upturn AI SWOT
i3 Verticals Inc
Company Overview
History and Background
i3 Verticals, Inc. was founded in 2012. The company focuses on providing integrated payment and software solutions to various vertical markets, primarily in the public sector, education, and healthcare.
Core Business Areas
- Merchant Services: Provides payment processing solutions, including credit and debit card processing, ACH payments, and other payment-related services. This allows businesses to accept payments from customers through various channels, such as online, in-store, and mobile.
- Software and Services: Offers software and services tailored to specific vertical markets. These software solutions often integrate with their payment processing capabilities to provide comprehensive solutions for clients.
Leadership and Structure
Greg Daily is the CEO. The company has a traditional corporate structure with a board of directors and various executive leadership positions overseeing different functional areas.
Top Products and Market Share
Key Offerings
- Payment Processing Solutions: Core payment processing platform facilitating various transaction types. Market share data is difficult to pinpoint exactly but falls within payment facilitators like Block (SQ) and Global Payments (GPN). Competitors include FIS, Fiserv, and Global Payments.
- Software Solutions for Vertical Markets: Software tailored for education, government, and healthcare. Market share varies depending on the specific vertical market. Competitors include Tyler Technologies, Oracle, and Workday in specific segments. Revenue varies based on deals acquired.
Market Dynamics
Industry Overview
The payment processing and vertical market software industries are highly competitive and rapidly evolving, driven by technological advancements and changing customer needs. There is increasing demand for integrated payment solutions and software applications tailored to specific industry verticals.
Positioning
i3 Verticals positions itself as a provider of integrated payment and software solutions, focusing on specific vertical markets where it can offer specialized expertise and tailored solutions. Their competitive advantage lies in their focus on niche markets.
Total Addressable Market (TAM)
The total addressable market for payment processing and vertical market software is significant, estimated in the billions of dollars annually. I3 Verticals aims to capture a larger share of the market by focusing on targeted verticals and providing integrated solutions.
Upturn SWOT Analysis
Strengths
- Focus on high-growth vertical markets
- Integrated payment and software solutions
- Strong customer relationships in target markets
- Recurring revenue model
Weaknesses
- Smaller size compared to larger competitors
- Reliance on acquisitions for growth
- Potential integration challenges with acquired companies
- Higher debt levels due to acquisitions
Opportunities
- Expanding into new vertical markets
- Increasing adoption of integrated payment solutions
- Strategic acquisitions to expand product offerings and market reach
- Cross-selling opportunities with existing customer base
Threats
- Intense competition from larger players
- Rapid technological changes
- Economic downturn impacting customer spending
- Regulatory changes in the payment processing industry
Competitors and Market Share
Key Competitors
- FISV
- GPN
- JKHY
Competitive Landscape
i3 Verticals faces stiff competition from larger, more established players. Their competitive advantage is that they can be more flexible and customer-driven.
Major Acquisitions
NetData
- Year: 2022
- Acquisition Price (USD millions): 168.6
- Strategic Rationale: To grow the business
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by acquisitions and organic revenue growth in its target vertical markets.
Future Projections: Analyst estimates suggest continued revenue growth, driven by acquisitions and organic expansion.
Recent Initiatives: Recent initiatives include strategic acquisitions, expansion into new vertical markets, and the development of new integrated payment solutions.
Summary
i3 Verticals is a growing company focused on integrated payment and software solutions within specific verticals, primarily through strategic acquisitions and organic growth. While revenue is growing, profitability is a concern, with negative net income and profit margins. The company is smaller in comparison to its competitors, however has been able to have consistent year-over-year growth. The company needs to look out for rising debt levels to support future growth by acquisitions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Market Research Reports
- Analyst Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on your own research and consultation with a qualified financial advisor. Market share data is based on estimates and may not be precise.
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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