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I3 VERTICALS INC-CLASS A (IIIV) Stock Fundamental Analysis

NASDAQ:IIIV - Nasdaq - US46571Y1073 - Common Stock - Currency: USD

28.5  -0.5 (-1.72%)

After market: 28.5 0 (0%)

Fundamental Rating

4

IIIV gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 282 industry peers in the Software industry. There are concerns on the financial health of IIIV while its profitability can be described as average. IIIV is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

In the past year IIIV was profitable.
IIIV had a positive operating cash flow in the past year.
IIIV had negative earnings in 4 of the past 5 years.
In the past 5 years IIIV always reported a positive cash flow from operatings.
IIIV Yearly Net Income VS EBIT VS OCF VS FCFIIIV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

1.2 Ratios

IIIV has a Return On Assets of 17.37%. This is amongst the best in the industry. IIIV outperforms 93.26% of its industry peers.
With an excellent Return On Equity value of 29.15%, IIIV belongs to the best of the industry, outperforming 90.78% of the companies in the same industry.
IIIV's Return On Invested Capital of 1.34% is fine compared to the rest of the industry. IIIV outperforms 67.38% of its industry peers.
Industry RankSector Rank
ROA 17.37%
ROE 29.15%
ROIC 1.34%
ROA(3y)4.4%
ROA(5y)2.48%
ROE(3y)7.23%
ROE(5y)3.84%
ROIC(3y)N/A
ROIC(5y)N/A
IIIV Yearly ROA, ROE, ROICIIIV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

1.3 Margins

The Profit Margin of IIIV (46.46%) is better than 97.87% of its industry peers.
IIIV has a Operating Margin of 4.06%. This is in the better half of the industry: IIIV outperforms 69.86% of its industry peers.
IIIV's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 78.08%, IIIV is doing good in the industry, outperforming 76.60% of the companies in the same industry.
IIIV's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 4.06%
PM (TTM) 46.46%
GM 78.08%
OM growth 3Y53.95%
OM growth 5Y12.71%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y7.37%
GM growth 5Y31.13%
IIIV Yearly Profit, Operating, Gross MarginsIIIV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so IIIV is destroying value.
The number of shares outstanding for IIIV has been increased compared to 1 year ago.
Compared to 5 years ago, IIIV has more shares outstanding
IIIV has a better debt/assets ratio than last year.
IIIV Yearly Shares OutstandingIIIV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
IIIV Yearly Total Debt VS Total AssetsIIIV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.2 Solvency

An Altman-Z score of 2.88 indicates that IIIV is not a great score, but indicates only limited risk for bankruptcy at the moment.
IIIV has a Altman-Z score (2.88) which is in line with its industry peers.
A Debt/Equity ratio of 0.03 indicates that IIIV is not too dependend on debt financing.
IIIV's Debt to Equity ratio of 0.03 is fine compared to the rest of the industry. IIIV outperforms 60.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z 2.88
ROIC/WACC0.11
WACC11.99%
IIIV Yearly LT Debt VS Equity VS FCFIIIV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

A Current Ratio of 1.18 indicates that IIIV should not have too much problems paying its short term obligations.
IIIV has a worse Current ratio (1.18) than 64.89% of its industry peers.
IIIV has a Quick Ratio of 1.15. This is a normal value and indicates that IIIV is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of IIIV (1.15) is worse than 66.31% of its industry peers.
Industry RankSector Rank
Current Ratio 1.18
Quick Ratio 1.15
IIIV Yearly Current Assets VS Current LiabilitesIIIV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

3

3. Growth

3.1 Past

IIIV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -42.57%.
IIIV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.84% yearly.
The Revenue for IIIV has decreased by -38.87% in the past year. This is quite bad
IIIV shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -9.38% yearly.
EPS 1Y (TTM)-42.57%
EPS 3Y-4%
EPS 5Y1.84%
EPS Q2Q%-5.88%
Revenue 1Y (TTM)-38.87%
Revenue growth 3Y0.86%
Revenue growth 5Y-9.38%
Sales Q2Q%-33.3%

3.2 Future

Based on estimates for the next years, IIIV will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.15% on average per year.
Based on estimates for the next years, IIIV will show a small growth in Revenue. The Revenue will grow by 1.61% on average per year.
EPS Next Y15.58%
EPS Next 2Y14.98%
EPS Next 3Y13.15%
EPS Next 5YN/A
Revenue Next Year-15.35%
Revenue Next 2Y-5.7%
Revenue Next 3Y-1.59%
Revenue Next 5Y1.61%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
IIIV Yearly Revenue VS EstimatesIIIV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 100M 200M 300M
IIIV Yearly EPS VS EstimatesIIIV Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 33.53, IIIV can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of IIIV indicates a somewhat cheap valuation: IIIV is cheaper than 68.09% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.69, IIIV is valued a bit more expensive.
IIIV is valuated rather expensively with a Price/Forward Earnings ratio of 23.43.
Compared to the rest of the industry, the Price/Forward Earnings ratio of IIIV indicates a somewhat cheap valuation: IIIV is cheaper than 72.34% of the companies listed in the same industry.
IIIV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 37.36.
Industry RankSector Rank
PE 33.53
Fwd PE 23.43
IIIV Price Earnings VS Forward Price EarningsIIIV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

IIIV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. IIIV is cheaper than 80.85% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 22.52
IIIV Per share dataIIIV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

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.
IIIV has a very decent profitability rating, which may justify a higher PE ratio.
IIIV's earnings are expected to grow with 13.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.15
PEG (5Y)18.26
EPS Next 2Y14.98%
EPS Next 3Y13.15%

0

5. Dividend

5.1 Amount

No dividends for IIIV!.
Industry RankSector Rank
Dividend Yield N/A

I3 VERTICALS INC-CLASS A

NASDAQ:IIIV (7/24/2025, 4:03:47 PM)

After market: 28.5 0 (0%)

28.5

-0.5 (-1.72%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-07 2025-08-07/amc
Inst Owners94.86%
Inst Owner Change0.75%
Ins Owners2.55%
Ins Owner Change0.63%
Market Cap946.77M
Analysts81.54
Price Target32.64 (14.53%)
Short Float %10.75%
Short Ratio6.34
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)12.95%
Min EPS beat(2)6.71%
Max EPS beat(2)19.18%
EPS beat(4)2
Avg EPS beat(4)-17.29%
Min EPS beat(4)-80.71%
Max EPS beat(4)19.18%
EPS beat(8)3
Avg EPS beat(8)-10.65%
EPS beat(12)6
Avg EPS beat(12)-6.59%
EPS beat(16)9
Avg EPS beat(16)-4.25%
Revenue beat(2)1
Avg Revenue beat(2)-0.07%
Min Revenue beat(2)-3.02%
Max Revenue beat(2)2.88%
Revenue beat(4)1
Avg Revenue beat(4)-11.44%
Min Revenue beat(4)-43.03%
Max Revenue beat(4)2.88%
Revenue beat(8)1
Avg Revenue beat(8)-7.58%
Revenue beat(12)4
Avg Revenue beat(12)-4.68%
Revenue beat(16)8
Avg Revenue beat(16)-2.13%
PT rev (1m)3.23%
PT rev (3m)0.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25.54%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-11.4%
Revenue NQ rev (1m)-4.01%
Revenue NQ rev (3m)-22.01%
Revenue NY rev (1m)-1.43%
Revenue NY rev (3m)-14.81%
Valuation
Industry RankSector Rank
PE 33.53
Fwd PE 23.43
P/S 3.92
P/FCF N/A
P/OCF 124
P/B 2.46
P/tB N/A
EV/EBITDA 22.52
EPS(TTM)0.85
EY2.98%
EPS(NY)1.22
Fwd EY4.27%
FCF(TTM)-0.15
FCFYN/A
OCF(TTM)0.23
OCFY0.81%
SpS7.27
BVpS11.59
TBVpS-3.22
PEG (NY)2.15
PEG (5Y)18.26
Profitability
Industry RankSector Rank
ROA 17.37%
ROE 29.15%
ROCE 1.69%
ROIC 1.34%
ROICexc 1.36%
ROICexgc 9.84%
OM 4.06%
PM (TTM) 46.46%
GM 78.08%
FCFM N/A
ROA(3y)4.4%
ROA(5y)2.48%
ROE(3y)7.23%
ROE(5y)3.84%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y62.71%
ROICexc growth 5Y-6.22%
OM growth 3Y53.95%
OM growth 5Y12.71%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y7.37%
GM growth 5Y31.13%
F-Score6
Asset Turnover0.37
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA 0.28
Cap/Depr 37.85%
Cap/Sales 5.19%
Interest Coverage 0.62
Cash Conversion 17.77%
Profit Quality N/A
Current Ratio 1.18
Quick Ratio 1.15
Altman-Z 2.88
F-Score6
WACC11.99%
ROIC/WACC0.11
Cap/Depr(3y)43.62%
Cap/Depr(5y)39.42%
Cap/Sales(3y)6.08%
Cap/Sales(5y)5.17%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-42.57%
EPS 3Y-4%
EPS 5Y1.84%
EPS Q2Q%-5.88%
EPS Next Y15.58%
EPS Next 2Y14.98%
EPS Next 3Y13.15%
EPS Next 5YN/A
Revenue 1Y (TTM)-38.87%
Revenue growth 3Y0.86%
Revenue growth 5Y-9.38%
Sales Q2Q%-33.3%
Revenue Next Year-15.35%
Revenue Next 2Y-5.7%
Revenue Next 3Y-1.59%
Revenue Next 5Y1.61%
EBIT growth 1Y-58.98%
EBIT growth 3Y55.27%
EBIT growth 5Y2.13%
EBIT Next Year31.28%
EBIT Next 3Y17.01%
EBIT Next 5Y13.07%
FCF growth 1Y-120.43%
FCF growth 3Y-2.81%
FCF growth 5Y7.26%
OCF growth 1Y-80.99%
OCF growth 3Y2.82%
OCF growth 5Y12.72%