Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
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
04/01/2025: SURG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit -5.09% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 42.25M USD | Price to earnings Ratio - | 1Y Target Price 6.75 |
Price to earnings Ratio - | 1Y Target Price 6.75 | ||
Volume (30-day avg) 3084581 | Beta 1.46 | 52 Weeks Range 1.05 - 4.38 | Updated Date 04/1/2025 |
52 Weeks Range 1.05 - 4.38 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-03-10 | When Before Market | Estimate -0.225 | Actual -0.9356 |
Profitability
Profit Margin -75.11% | Operating Margin (TTM) -191.5% |
Management Effectiveness
Return on Assets (TTM) -79.25% | Return on Equity (TTM) -210.41% |
Valuation
Trailing PE - | Forward PE 8 | Enterprise Value 35155927 | Price to Sales(TTM) 0.69 |
Enterprise Value 35155927 | Price to Sales(TTM) 0.69 | ||
Enterprise Value to Revenue 0.58 | Enterprise Value to EBITDA 1 | Shares Outstanding 20411500 | Shares Floating 14198069 |
Shares Outstanding 20411500 | Shares Floating 14198069 | ||
Percent Insiders 30.66 | Percent Institutions 9.93 |
Analyst Ratings
Rating 4 | Target Price 5.75 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Surgepays Inc
Company Overview
History and Background
Surgepays Inc. was founded in 2001. Initially focused on prepaid wireless solutions, it has evolved into a fintech company providing a suite of financial services and technology solutions to underserved communities. Significant milestones include expanding its product offerings and increasing its distribution network.
Core Business Areas
- Fintech Software: Provides technology platforms for retailers and consumers, enabling access to financial products and services, including prepaid wireless, top-ups, bill payments, and other financial solutions.
- Retail Network: Develops and manages a network of retail locations that offer Surgepays Inc's financial products and services. These retailers primarily serve underserved communities.
Leadership and Structure
Brian Cox is the Chairman and CEO. The organizational structure includes departments for technology, sales, marketing, finance, and operations.
Top Products and Market Share
Key Offerings
- Prepaid Wireless: Offers prepaid wireless services and top-ups. Market share is difficult to pinpoint precisely, but they compete with major carriers in the prepaid space. Competitors include Tracfone, Metro by T-Mobile, and Boost Mobile. Revenue for prepaid wireless cannot be isolated but accounts for a percentage of total company revenues.
- Bill Payment Services: Provides bill payment solutions, enabling customers to pay bills at retail locations. Market share is fragmented. Competitors include MoneyGram and Western Union, as well as regional bill payment providers. Revenue for bill payment services cannot be isolated but accounts for a percentage of total company revenues.
- SurgePays Wallet: Digital wallet and reloadable debit card solution. Market share data unavailable as this is a newer product. Competitors include Green Dot and NetSpend.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth, driven by increasing demand for digital financial services. Underserved communities are a key target market.
Positioning
Surgepays Inc is positioned as a provider of financial solutions to underserved communities through its retail network and fintech platform. Its competitive advantage lies in its targeted approach and focus on this specific demographic.
Total Addressable Market (TAM)
TAM for financial services and tech in underserved communities is estimated at $300 billion. Surgepays Inc is targeting niche segment, making the current TAM for the current offering much smaller. Surgepays, Inc. is striving to grow and develop its offering into the full TAM.
Upturn SWOT Analysis
Strengths
- Focus on underserved markets
- Established retail network
- Fintech platform
- Experienced management team
Weaknesses
- High customer acquisition costs
- Reliance on retail partners
- Limited brand recognition
- Dependence on regulatory environment for fintech services
Opportunities
- Expanding product offerings
- Partnerships with other fintech companies
- Geographic expansion
- Increase in digital financial services adoption
Threats
- Increased competition
- Changes in regulations
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WU
- MGNI
- Fiserv
Competitive Landscape
Surgepays Inc competes with larger, more established companies. Its advantage lies in its focus on underserved markets. They have small market share and must overcome some hurdles to get a bigger market share.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth is characterized by expansion of the retail network and product offerings.
Future Projections: Future growth is projected to be driven by increasing adoption of digital financial services and expansion into new markets.
Recent Initiatives: Recent initiatives include the launch of the SurgePays Wallet and expansion of the retail network.
Summary
Surgepays Inc. is a fintech company focused on serving the underbanked and underserved market. It has a small market share and must compete with bigger players. Surgepays has been able to establish a strong retail network and Fintech products that can provide a competitive advantage. Surgepays needs to monitor competition and keep pace with technological advancements to remain competitive.
Similar Companies
FISV
Fiserv Inc.
FISV
Fiserv Inc.
GPN
Global Payments Inc
GPN
Global Payments Inc
MGNI
Magnite Inc
MGNI
Magnite Inc
WU
Western Union Co
WU
Western Union Co
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is based on available data and is for informational purposes only. It should not be considered financial advice. Actual performance may vary.
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 through three segments: Mobile Virtual Network Operators, Comprehensive Platform Services, and Lead Generation. The company offers subsidized and non-subsidized mobile virtual network operators for internet connectivity through mobile broadband services to consumers; ACH banking relationships and fintech transactions platform to convenience stores; wireless top-up transactions and wireless product aggregation; and lead generation and case management solutions primarily to law firms in the mass tort industry, as well as call center activities. SurgePays, Inc. is headquartered in Bartlett, Tennessee.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
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.