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Upturn AI SWOT - About
SURG 
Surgepays Inc (SURG)
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Upturn Advisory Summary
10/23/2025: SURG (1-star) is currently NOT-A-BUY. Pass it for now.
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
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $9.5
1 Year Target Price $9.5
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 36.98% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 54.47M USD | Price to earnings Ratio - | 1Y Target Price 9.5 |
Price to earnings Ratio - | 1Y Target Price 9.5 | ||
Volume (30-day avg) 2 | Beta 1.03 | 52 Weeks Range 1.05 - 3.47 | Updated Date 10/23/2025 |
52 Weeks Range 1.05 - 3.47 | Updated Date 10/23/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -133.85% | Operating Margin (TTM) -59.13% |
Management Effectiveness
Return on Assets (TTM) -82.11% | Return on Equity (TTM) -211.39% |
Valuation
Trailing PE - | Forward PE 8.73 | Enterprise Value 57348427 | Price to Sales(TTM) 1.49 |
Enterprise Value 57348427 | Price to Sales(TTM) 1.49 | ||
Enterprise Value to Revenue 1.57 | Enterprise Value to EBITDA 1 | Shares Outstanding 19735596 | Shares Floating 13695912 |
Shares Outstanding 19735596 | Shares Floating 13695912 | ||
Percent Insiders 37.06 | Percent Institutions 8.12 |
Upturn AI SWOT
Surgepays Inc
Company Overview
History and Background
SurgePays Inc. was founded in 2001. Initially focused on providing communication services and prepaid products to underserved communities, it has evolved into a fintech company providing financial and technology solutions.
Core Business Areas
- Fintech Platform: Provides mobile solutions and financial services like prepaid wireless, debit cards, money transfer, and other value-added services through its network of convenience stores and bodegas.
- Telecom: Offers affordable mobile broadband service to low-income customers
Leadership and Structure
Brian Cox serves as the Chairman and CEO. The company operates with a typical corporate structure, with various departments handling finance, operations, marketing, and technology.
Top Products and Market Share
Key Offerings
- Prepaid Wireless: Offers prepaid wireless services to consumers, particularly those who may not qualify for traditional plans. Competitors include TracFone (AMX), Boost Mobile (DISH), and other prepaid carriers. Market share information varies.
- Fintech Services: Provides a suite of financial products and services, including mobile top-ups, money transfers, and bill payments. Competitors include MoneyGram (MGI) and Western Union (WU).
- SurgePays Portal: Provides a turn-key portal for convenience stores to offer the products of the company. Competitors include other PoS providers and distribution networks
Market Dynamics
Industry Overview
The fintech industry is rapidly growing, driven by technological advancements and increasing demand for digital financial services. The prepaid wireless market caters to price-sensitive consumers. Low-income communities represent a significant market opportunity.
Positioning
SurgePays focuses on serving the underserved, leveraging a network of convenience stores to provide access to essential financial and communication services. Its competitive advantage lies in its targeted approach and established distribution network.
Total Addressable Market (TAM)
The TAM for fintech solutions targeting underserved communities is significant and expanding. SurgePays is positioned to capture a portion of this market through its existing infrastructure and expanding product offerings.
Upturn SWOT Analysis
Strengths
- Established distribution network
- Targeted focus on underserved communities
- Diverse product portfolio
- Proprietary technology platform
Weaknesses
- Limited brand recognition compared to larger competitors
- Reliance on partnerships with convenience stores
- Potential regulatory risks associated with fintech services
Opportunities
- Expanding product offerings to include more financial services
- Growing the distribution network through strategic partnerships
- Leveraging data analytics to personalize services
- Capitalizing on the increasing adoption of mobile financial services
Threats
- Increased competition from established players
- Changing regulatory landscape
- Economic downturn affecting consumer spending
- Technological disruptions
Competitors and Market Share
Key Competitors
- WU
- MGI
- AMX
- DISH
Competitive Landscape
Surgepays has a smaller market share but has more personalized services as their business plan relies on providing services to underserved communities that the larger competitors ignore.
Growth Trajectory and Initiatives
Historical Growth: Surgepays has demonstrated revenue growth from 2018 - 2022
Future Projections: Analyst estimates for Surgepays would be needed for future growth projections.
Recent Initiatives: Recent initiatives include expansion of the SurgePays Portal and partnerships to expand service offerings.
Summary
Surgepays is a micro-cap company focusing on the fintech and telecom needs of underserved communities. It has a solid distribution network and is expanding its service offerings. The company faces competition from larger players and regulatory risks inherent in the fintech industry, but their specialization in underserved markets give them an advantage. Growth is tied to the expansion of its distribution network and the increasing adoption of mobile financial services.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change. Conduct thorough due diligence before making investment decisions.
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 Surgepays Inc
Exchange NASDAQ | Headquaters Bartlett, TN, United States | ||
IPO Launch date 2005-09-22 | President, CEO & Director Mr. Kevin Brian Cox | ||
Sector Communication Services | Industry Telecom Services | Full time employees 130 | Website https://surgepays.com |
Full time employees 130 | Website https://surgepays.com | ||
SurgePays, Inc., together with its subsidiaries, operates as a financial technology and telecom company in the United States. It operates in two segments, Mobile Virtual Network Operator (MVNO) Telecommunications and Comprehensive Platform Services. The company offers mobile broadband solutions to consumers; ACH banking relationships and fintech transactions platform to convenience stores; prepaid wireless top-ups platform for convenience store clerks to handle top-ups for wireless brands; and transaction and marketing solutions. SurgePays, Inc. is headquartered in Bartlett, Tennessee.
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