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Upturn AI Summary - About
Surgepays Inc(SURG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SURG
09/25/2026: SURG (1-star) is currently NOT-A-BUY. Pass it for now.
SurgePays is a telecommunications and fintech company focusing on providing mobile broadband and financial services to underserved U.S. populations through a unique convenience store distribution network. Its primary strength lies in its proprietary point-of-sale software that creates a recurring, integrated relationship with its retail partners. The core investment story revolves around the company's ability to transition from heavy reliance on federal subsidy programs to a diversified, self-sustaining financial services platform. However, risks regarding regulatory policy changes, intense competition from national carriers, and the execution of its business pivot remain significant. The stock likely suits growth-oriented investors with high risk tolerance who are monitoring the company's ability to achieve long-term, non-subsidy revenue growth.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers growth potential but currently faces significant headwinds from the reduction of federal subsidy reliance. |
| Momentum investor | Weak fit | Momentum is inconsistent given the volatility associated with regulatory updates and policy changes affecting the core business. |
| Value investor | Mixed fit | Valuation may appear attractive following price declines, but fundamental uncertainty regarding long-term revenue stability remains. |
| Dividend investor | Weak fit | The company does not pay a dividend and is currently focused on capital preservation and operational restructuring. |
| Low-risk investor | Weak fit | The stock exhibits high volatility and is exposed to binary-like risks involving government policy and legislative action. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to sharp price swings based on news regarding federal programs and earnings reports. |
| Valuation risk | Medium / high | Assessing fair value is difficult due to the rapid shifts in the company's core business model and revenue structure. |
| Competition risk (Telecom/Fintech) | High | Major national carriers have larger budgets to capture the same customer segments that SurgePays targets. |
| Business quality | Medium | The business model is in a transition phase, moving from high-growth government dependency to a more diversified but unproven model. |
| Dividend income | Low / none | Investors should not expect income generation from this stock. |
| Execution risk | High | Success depends on the company's ability to successfully shift its revenue mix and maintain its retail partner network. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit -17.85% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 7.75M USD | Price to earnings Ratio - | 1Y Target Price 3.75 |
Price to earnings Ratio - | 1Y Target Price 3.75 | ||
Volume (30-day avg) 29.0M shares | Beta 0.28 | 52 Weeks Range 0.14 - 3.14 | Updated Date 09/26/2026 |
52 Weeks Range 0.14 - 3.14 | Updated Date 09/26/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.47 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Telecommunications Services | Wireless plans and broadband access for underbanked populations. | Revenue depends heavily on the volume of subscribers and, historically, federal subsidy programs. |
| Fintech & POS Platform | Processing fees from prepaid and bill-pay transactions at convenience stores. | This segment aims for recurring revenue based on transaction volume across the partner store network. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE - | Forward PE 15.15 | Enterprise Value 23.97M | Price to Sales(TTM) 0.12 |
Enterprise Value 23.97M | Price to Sales(TTM) 0.12 | ||
Enterprise Value to Revenue 0.36 | Enterprise Value to EBITDA 1 | Shares Outstanding 52.91M | Shares Floating 43.13M |
Shares Outstanding 52.91M | Shares Floating 43.13M | ||
Percent Insiders 19.38 | Percent Institutions 4.36 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Surgepays Inc
Exchange NASDAQ | Headquarters Bartlett, TN, United States | ||
IPO Launch date 2005-09-22 | CEO, President & Chairman Mr. Kevin Brian Cox | ||
Sector Communication Services | Industry Telecom Services | Full time employees 125 | Website https://surgepays.com |
Full time employees 125 | 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 three segments: MVNO wireless brands; MVNE enablement platform (HERO); and point-of-sale (POS) and fintech 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 stores. SurgePays, Inc. is headquartered in Bartlett, Tennessee.
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