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Upturn AI SWOT - About
SURG 
Surgepays Inc (SURG)
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Upturn Advisory Summary
09/15/2025: SURG (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration 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 54.56% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 58.61M USD | Price to earnings Ratio - | 1Y Target Price 9 |
Price to earnings Ratio - | 1Y Target Price 9 | ||
Volume (30-day avg) 2 | Beta 1.18 | 52 Weeks Range 1.05 - 3.47 | Updated Date 09/15/2025 |
52 Weeks Range 1.05 - 3.47 | Updated Date 09/15/2025 | ||
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 9.9 | Enterprise Value 64255886 | Price to Sales(TTM) 1.61 |
Enterprise Value 64255886 | Price to Sales(TTM) 1.61 | ||
Enterprise Value to Revenue 1.76 | Enterprise Value to EBITDA 1 | Shares Outstanding 19735600 | Shares Floating 13695912 |
Shares Outstanding 19735600 | 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 as a software and technology company that enables merchants to provide value-added services to consumers. Initially focused on prepaid wireless top-ups, the company has expanded into other fintech and telecom solutions.
Core Business Areas
- Fintech: SurgePays Fintech segment provides prepaid debit cards, digital wallets, and other financial solutions for underbanked populations.
- Telecom: SurgePays Telecom segment facilitates prepaid wireless, top-ups, and other communication services through its retail network.
- Software and Technology: The Software and Technology segment develops and licenses the SurgePays portal, a platform used by merchants to offer various services.
Leadership and Structure
Brian Cox serves as the CEO. The company operates with a functional organizational structure, with teams dedicated to fintech, telecom, and technology development.
Top Products and Market Share
Key Offerings
- SurgePays Portal: A software platform enabling convenience stores and other retailers to offer financial and telecom services. There is no directly published market share data. Competitors include traditional POS systems and other value-added service providers.
- User/Revenue Data: Not publicly available
- Prepaid Wireless Services: Facilitation of prepaid wireless top-ups and plans. The prepaid wireless market is competitive, with major players like Tracfone and Net10. There is no directly published market share data.
- User/Revenue Data: Not publicly available
- Fintech Solutions: Includes prepaid debit cards and digital wallets for underbanked individuals. Competitors include Green Dot and Netspend. There is no directly published market share data.
- User/Revenue Data: Not publicly available
Market Dynamics
Industry Overview
The industry consists of value-added services, telecommunications, and fintech targeting underbanked populations. These sectors are experiencing growth driven by increasing demand for digital financial services and the need for accessible telecom solutions.
Positioning
Surgepays Inc positions itself as a technology provider bridging the gap between retailers and consumers by offering these various financial and communications services, particularly in underbanked communities. This is a niche and specific market that many companies dont focus on so they are positioned well.
Total Addressable Market (TAM)
The TAM for financial services for the underbanked and prepaid wireless services is estimated to be in the tens of billions of dollars in the U.S. Surgepays Inc. aims to capture a significant portion of this market through its platform.
Upturn SWOT Analysis
Strengths
- Proprietary technology platform
- Established retail network
- Focus on the underbanked market
- Diverse service offerings
Weaknesses
- Reliance on retail partnerships
- Limited brand recognition
- Small size relative to competitors
- High customer turnover
Opportunities
- Expansion into new geographic markets
- Development of new financial products
- Strategic acquisitions of complementary businesses
- Increased government support for financial inclusion
Threats
- Increased competition from larger players
- Changes in regulations affecting fintech and telecom
- Economic downturn impacting consumer spending
- Technological disruptions in the financial services industry
Competitors and Market Share
Key Competitors
- GCI
- AMX
- LBTYA
Competitive Landscape
Surgepays Inc. faces competition from larger, more established players. Its advantages lie in its focus on the underbanked and its integrated technology platform, which enables efficient service delivery.
Major Acquisitions
Streamlytics
- Year: 2022
- Acquisition Price (USD millions): 8
- Strategic Rationale: Acquisition of Streamlytics provided SurgePays with a data aggregation platform enhancing its ability to deliver targeted advertising and services.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to the company's financial statements. This data is not available
Future Projections: Analyst estimates for future growth are unavailable without access to financial data and projections.
Recent Initiatives: Surgepays Inc. is focused on expanding its retail network and developing new fintech products to increase revenue streams.
Summary
Surgepays Inc. is a smaller player in the fintech and telecom space targeting underbanked communities. The company's proprietary technology platform and established retail network are strengths, but its small size and reliance on partnerships pose challenges. They look to continue to grow through strategic acquisitions and expansion into new markets. Surgepays should focus on improving its brand recognition and diversifying its revenue streams.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Various Financial News Sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on thorough research and consultation with a qualified financial advisor.
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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