Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
SURG 
Surgepays Inc (SURG)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/09/2025: SURG (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
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $9
1 Year Target Price $9
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 71.85% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 70.01M USD | Price to earnings Ratio - | 1Y Target Price 9 |
Price to earnings Ratio - | 1Y Target Price 9 | ||
Volume (30-day avg) 2 | Beta 0.96 | 52 Weeks Range 1.05 - 3.47 | Updated Date 07/9/2025 |
52 Weeks Range 1.05 - 3.47 | Updated Date 07/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.84 |
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 -136.37% | Operating Margin (TTM) -71.66% |
Management Effectiveness
Return on Assets (TTM) -74.95% | Return on Equity (TTM) -171.29% |
Valuation
Trailing PE - | Forward PE 8 | Enterprise Value 68735623 | Price to Sales(TTM) 1.75 |
Enterprise Value 68735623 | Price to Sales(TTM) 1.75 | ||
Enterprise Value to Revenue 1.72 | Enterprise Value to EBITDA 1 | Shares Outstanding 20411500 | Shares Floating 14371772 |
Shares Outstanding 20411500 | Shares Floating 14371772 | ||
Percent Insiders 31.14 | Percent Institutions 9.38 |
Upturn AI SWOT
Surgepays Inc
Company Overview
History and Background
SurgePays, Inc. was founded in 2001. The company initially focused on providing prepaid wireless and other essential products and services to underbanked and underserved communities. Over time, SurgePays has expanded its offerings to include financial services, healthcare solutions, and other digital products aimed at improving the lives of its customers.
Core Business Areas
- FinTech: Provides financial service solutions to the underbanked. These includes pre-paid cards and mobile banking services.
- Telecom: Offers discounted mobile broadband plans and telecom services with device financing available.
- Healthcare: Offers solutions for healthcare-related services. They offer access to telehealth, prescriptions, and other health and wellness products.
- Convenience Store Network: Partners with convenience stores to make their products and service more accessible to underserved communities through their store network.
Leadership and Structure
Brian Cox serves as the Chairman and CEO. The company has a board of directors overseeing strategy and governance. Operationally, the company is structured around its core business segments with dedicated teams for each area.
Top Products and Market Share
Key Offerings
- SurgePays Fintech Platform: Offers prepaid wireless, financial services, and other essential products to underserved communities through a network of convenience stores. Market share data for this specific platform isn't readily available, but the market is competitive with larger players like InComm and Blackhawk Network. Revenue figures from this product is estimated to be significant and growing based on the financial reports. Competitors include: InComm, Blackhawk Network, Green Dot, PayPal
- SurgePays Portal: It is the Software to help automate and optimize convenience stores. Market share data is not available. Competitors include: Skupos, PDI Technologies, and CStore Essentials.
Market Dynamics
Industry Overview
The industry SurgePays operates in encompasses fintech, telecom, and retail convenience store networks. There is increasing demand for accessible financial services and products in underserved communities. The telecom sector is also evolving with a focus on affordable connectivity. The convenience store network is also growing as well.
Positioning
SurgePays positions itself as a tech company connecting underserved communities with essential services through its unique platform and convenience store network. Its competitive advantages include its targeted focus, integrated solutions, and established distribution channels.
Total Addressable Market (TAM)
The TAM is estimated to be in the billions of dollars. The underserved market represents a huge opportunity for SurgePays. They are positioned well to continue to grow their market penetration.
Upturn SWOT Analysis
Strengths
- Focus on underserved markets
- Integrated platform offering multiple services
- Established convenience store network
- Proprietary technology and software
Weaknesses
- Reliance on convenience store partnerships
- Susceptibility to regulatory changes
- Relatively small size compared to larger competitors
- Potential for technological disruption
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Increased adoption of mobile technology
- Strategic acquisitions and partnerships
Threats
- Increased competition from larger players
- Changes in consumer preferences
- Economic downturn
- Data security breaches
Competitors and Market Share
Key Competitors
- GDOT
- FISV
- WU
Competitive Landscape
SurgePays differentiates itself with its focus on underserved markets and its integrated platform. However, it faces competition from larger, more established players with greater resources.
Growth Trajectory and Initiatives
Historical Growth: SurgePays has demonstrated significant revenue growth in recent years, driven by the expansion of its product offerings and convenience store network.
Future Projections: Analyst estimates suggest continued revenue growth for SurgePays as it expands its market share and introduces new services.
Recent Initiatives: Recent initiatives include launching new healthcare solutions, expanding its financial services platform, and forging strategic partnerships with retailers.
Summary
SurgePays is a tech company that is focused on connecting underserved communities with essential services. SurgePays' unique platform and convenience store network give it a competitive advantage. However, it also faces competition from larger, more established players with greater resources and reliance on convenience store partnerships.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. Investing in stocks involves risks, and you should consult with a qualified financial advisor before making any 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.