I3 VERTICALS INC-CLASS A (IIIV) Stock Fundamental Analysis
NASDAQ:IIIV • US46571Y1073
21.7 USD
-0.34 (-1.54%)
Last: Feb 23, 2026, 09:54 AM
We assign a fundamental rating of 4 out of 10 to IIIV. IIIV was compared to 274 industry peers in the Software industry. Both the profitability and the financial health of IIIV get a neutral evaluation. Nothing too spectacular is happening here. IIIV is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year IIIV was profitable.
- IIIV had a positive operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: IIIV reported negative net income in multiple years.
- IIIV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- IIIV has a better Return On Assets (2.74%) than 63.14% of its industry peers.
- IIIV's Return On Equity of 4.55% is fine compared to the rest of the industry. IIIV outperforms 65.33% of its industry peers.
- IIIV's Return On Invested Capital of 0.36% is in line compared to the rest of the industry. IIIV outperforms 58.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.74% | ||
| ROE | 4.55% | ||
| ROIC | 0.36% |
ROA(3y)6.07%
ROA(5y)3.06%
ROE(3y)11.36%
ROE(5y)4.81%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 7.33%, IIIV is in the better half of the industry, outperforming 66.06% of the companies in the same industry.
- IIIV has a Operating Margin (1.09%) which is in line with its industry peers.
- IIIV's Operating Margin has declined in the last couple of years.
- The Gross Margin of IIIV (66.66%) is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of IIIV has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.09% | ||
| PM (TTM) | 7.33% | ||
| GM | 66.66% |
OM growth 3YN/A
OM growth 5Y-18.95%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.66%
GM growth 5Y0.06%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), IIIV is destroying value.
- IIIV has less shares outstanding than it did 1 year ago.
- IIIV has more shares outstanding than it did 5 years ago.
- There is no outstanding debt for IIIV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- IIIV has an Altman-Z score of 2.44. This is not the best score and indicates that IIIV is in the grey zone with still only limited risk for bankruptcy at the moment.
- IIIV's Altman-Z score of 2.44 is fine compared to the rest of the industry. IIIV outperforms 60.95% of its industry peers.
- IIIV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.44 |
ROIC/WACC0.03
WACC11.02%
2.3 Liquidity
- IIIV has a Current Ratio of 1.61. This is a normal value and indicates that IIIV is financially healthy and should not expect problems in meeting its short term obligations.
- IIIV has a Current ratio of 1.61. This is comparable to the rest of the industry: IIIV outperforms 49.27% of its industry peers.
- A Quick Ratio of 1.56 indicates that IIIV should not have too much problems paying its short term obligations.
- IIIV's Quick ratio of 1.56 is in line compared to the rest of the industry. IIIV outperforms 48.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.61 | ||
| Quick Ratio | 1.56 |
3. Growth
3.1 Past
- IIIV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.14%, which is quite impressive.
- Measured over the past 5 years, IIIV shows a small growth in Earnings Per Share. The EPS has been growing by 7.97% on average per year.
- Looking at the last year, IIIV shows a very negative growth in Revenue. The Revenue has decreased by -23.69% in the last year.
- Measured over the past years, IIIV shows a small growth in Revenue. The Revenue has been growing by 7.27% on average per year.
EPS 1Y (TTM)24.14%
EPS 3Y-8.6%
EPS 5Y7.97%
EPS Q2Q%-16.13%
Revenue 1Y (TTM)-23.69%
Revenue growth 3Y-12.47%
Revenue growth 5Y7.27%
Sales Q2Q%-14.62%
3.2 Future
- The Earnings Per Share is expected to grow by 6.81% on average over the next years.
- IIIV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.01% yearly.
EPS Next Y2.15%
EPS Next 2Y5.37%
EPS Next 3Y6.81%
EPS Next 5YN/A
Revenue Next Year4.03%
Revenue Next 2Y6.03%
Revenue Next 3Y6.73%
Revenue Next 5Y6.01%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 20.09, which indicates a rather expensive current valuation of IIIV.
- Based on the Price/Earnings ratio, IIIV is valued a bit cheaper than the industry average as 69.71% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 26.99, IIIV is valued a bit cheaper.
- With a Price/Forward Earnings ratio of 17.30, IIIV is valued on the expensive side.
- 70.07% of the companies in the same industry are more expensive than IIIV, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 28.02. IIIV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.09 | ||
| Fwd PE | 17.3 |
4.2 Price Multiples
- 71.17% of the companies in the same industry are more expensive than IIIV, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.17 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates IIIV does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)9.34
PEG (5Y)2.52
EPS Next 2Y5.37%
EPS Next 3Y6.81%
5. Dividend
5.1 Amount
- No dividends for IIIV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:IIIV (2/23/2026, 9:54:22 AM)
21.7
-0.34 (-1.54%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-05 2026-02-05/amc
Earnings (Next)05-06 2026-05-06/amc
Inst Owners127.91%
Inst Owner Change-12.11%
Ins Owners2.88%
Ins Owner Change1.88%
Market Cap661.42M
Revenue(TTM)222.53M
Net Income(TTM)16.30M
Analysts83.33
Price Target34.85 (60.6%)
Short Float %15.97%
Short Ratio9.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.43%
Min EPS beat(2)3.34%
Max EPS beat(2)9.53%
EPS beat(4)4
Avg EPS beat(4)7.26%
Min EPS beat(4)3.34%
Max EPS beat(4)9.53%
EPS beat(8)5
Avg EPS beat(8)-7.3%
EPS beat(12)6
Avg EPS beat(12)-5.4%
EPS beat(16)10
Avg EPS beat(16)-3.4%
Revenue beat(2)1
Avg Revenue beat(2)-0.5%
Min Revenue beat(2)-1.26%
Max Revenue beat(2)0.26%
Revenue beat(4)2
Avg Revenue beat(4)-0.09%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)3.67%
Revenue beat(8)3
Avg Revenue beat(8)-6.12%
Revenue beat(12)4
Avg Revenue beat(12)-4.7%
Revenue beat(16)7
Avg Revenue beat(16)-2.97%
PT rev (1m)0%
PT rev (3m)-7.66%
EPS NQ rev (1m)-4.32%
EPS NQ rev (3m)-5.85%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.1%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0.67%
Revenue NY rev (3m)-0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.09 | ||
| Fwd PE | 17.3 | ||
| P/S | 2.97 | ||
| P/FCF | N/A | ||
| P/OCF | 79.48 | ||
| P/B | 1.84 | ||
| P/tB | N/A | ||
| EV/EBITDA | 20.17 |
EPS(TTM)1.08
EY4.98%
EPS(NY)1.25
Fwd EY5.78%
FCF(TTM)-0.04
FCFYN/A
OCF(TTM)0.27
OCFY1.26%
SpS7.3
BVpS11.76
TBVpS-2.29
PEG (NY)9.34
PEG (5Y)2.52
Graham Number16.91
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.74% | ||
| ROE | 4.55% | ||
| ROCE | 0.45% | ||
| ROIC | 0.36% | ||
| ROICexc | 0.39% | ||
| ROICexgc | 2.82% | ||
| OM | 1.09% | ||
| PM (TTM) | 7.33% | ||
| GM | 66.66% | ||
| FCFM | N/A |
ROA(3y)6.07%
ROA(5y)3.06%
ROE(3y)11.36%
ROE(5y)4.81%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-23.64%
ROICexc growth 3YN/A
ROICexc growth 5Y-19.13%
OM growth 3YN/A
OM growth 5Y-18.95%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.66%
GM growth 5Y0.06%
F-Score5
Asset Turnover0.37
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 32.85% | ||
| Cap/Sales | 4.28% | ||
| Interest Coverage | 2.33 | ||
| Cash Conversion | 26.47% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.61 | ||
| Quick Ratio | 1.56 | ||
| Altman-Z | 2.44 |
F-Score5
WACC11.02%
ROIC/WACC0.03
Cap/Depr(3y)40.84%
Cap/Depr(5y)39.68%
Cap/Sales(3y)7.31%
Cap/Sales(5y)5.9%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.14%
EPS 3Y-8.6%
EPS 5Y7.97%
EPS Q2Q%-16.13%
EPS Next Y2.15%
EPS Next 2Y5.37%
EPS Next 3Y6.81%
EPS Next 5YN/A
Revenue 1Y (TTM)-23.69%
Revenue growth 3Y-12.47%
Revenue growth 5Y7.27%
Sales Q2Q%-14.62%
Revenue Next Year4.03%
Revenue Next 2Y6.03%
Revenue Next 3Y6.73%
Revenue Next 5Y6.01%
EBIT growth 1Y-73.62%
EBIT growth 3YN/A
EBIT growth 5Y-13.07%
EBIT Next Year145.98%
EBIT Next 3Y43.83%
EBIT Next 5Y34.61%
FCF growth 1Y-109.4%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-71.67%
OCF growth 3Y-50.11%
OCF growth 5Y-24.83%
I3 VERTICALS INC-CLASS A / IIIV FAQ
What is the ChartMill fundamental rating of I3 VERTICALS INC-CLASS A (IIIV) stock?
ChartMill assigns a fundamental rating of 4 / 10 to IIIV.
Can you provide the valuation status for I3 VERTICALS INC-CLASS A?
ChartMill assigns a valuation rating of 3 / 10 to I3 VERTICALS INC-CLASS A (IIIV). This can be considered as Overvalued.
What is the profitability of IIIV stock?
I3 VERTICALS INC-CLASS A (IIIV) has a profitability rating of 4 / 10.
What is the valuation of I3 VERTICALS INC-CLASS A based on its PE and PB ratios?
The Price/Earnings (PE) ratio for I3 VERTICALS INC-CLASS A (IIIV) is 20.09 and the Price/Book (PB) ratio is 1.84.
Can you provide the expected EPS growth for IIIV stock?
The Earnings per Share (EPS) of I3 VERTICALS INC-CLASS A (IIIV) is expected to grow by 2.15% in the next year.