IIIV

i3 Verticals, Inc.

Fundamental data last updated:October 8, 2026

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company profile

SECTOR

Technology

industry

Software - Infrastructure

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

i3 Verticals, Inc. provides integrated payment and software solutions to small- and medium-sized businesses and organizations in education, non-profit, public sector, and healthcare markets in the United States. It operates in two segments, Merchant Services, and Proprietary Software and Payments. The company offers payment processing services that enables clients to accept electronic payments, facilitating the exchange of funds and transaction data between clients, financial institutions, and payment networks. The company also licenses software; and provides ongoing support, and other point of sale-related solutions. It offers its solutions to clients through direct sales force; distribution partners, including independent software vendors, value-added resellers, and independent sales organizations; and referral partners, such as financial institutions, trade associations, chambers of commerce, and card issuers. The company was founded in 2012 and is headquartered in Nashville, Tennessee.

 


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VALUATION

P/E

24.80

Market Cap ($M USD)

$487.26M

Forward P/E

12.59

PEG

0.13

PRICE TO SALES

2.25

PRICE TO BOOK

1.40

EV / EBITDA

14.71

5-Year Average P/E

Free Cash Flow Yield

10.16%

DCF Value

$10.59

Graham Number

$16.41

Price to FCF

9.84

EV to FCF

11.43

Earnings Yield

4.03%

FCF Yield

10.16%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$0.82

Next Year EPS Growth Estimate

$1.62

Next Year Revenue Growth Estimate

$276.70M

Return on Equity (ROE)

4.95%

FREE CASH FLOW

Operating Margin

0.66%

Debt-to-Equity

0.02

Piotroski F-Score

7

Altman Z-Score

2.14

Return on Invested Capital (ROIC)

0.25%

Current Ratio

1.34

Quick Ratio

1.29

Net Debt to EBITDA

2.04

Interest Coverage

0.53

Gross Profit margin

58.17%

FCF PER SHARE

$2.27

REVENUE PER SHARE

$9.95

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Gainseekers Quantitative Analysis

Summary

The market seems to be mispricing i3 Verticals, Inc., as the stock traded significantly above its DCF Value and Graham Number. With a Forward P/E of 13.05, the company appears undervalued relative to its growth potential, especially given the impressive PEG Forward of 0.13. However, the Altman Z-score of 2.11 suggests moderate financial distress, indicating some caution is warranted. The Earnings Yield of 3.89% is not particularly enticing, hinting at limited immediate returns. Overall, while there are growth prospects, the financial health is not without its risks.

AI Exposure / Tech Reliance

Operating within the Software - Infrastructure industry, i3 Verticals is well-positioned to leverage AI advancements. The sector's inherent adaptability to technological shifts provides a solid foundation for future growth. This positioning could enhance their competitive edge in a rapidly evolving market.

The Bull Case

For a value or GARP investor, i3 Verticals presents an intriguing opportunity. The Piotroski F-Score of 7 indicates strong financial health, while the FCF Yield of 10.75% underscores efficient cash generation. Despite a modest ROIC of 0.25%, the company's ability to convert revenue into free cash flow suggests effective capital management. Additionally, the gross profit margin of 58.17% highlights robust pricing power, making it an attractive prospect for those seeking growth at a reasonable price.

The Bear Case

Despite some strengths, i3 Verticals faces notable challenges. The operating margin of 0.66% is alarmingly low, pointing to inefficiencies in cost management. Trading at a Price/Book of 1.45 and Price/Sales of 2.15, the stock may not offer the deep value some investors seek. Furthermore, the stock's distance of 60.69% from its 52-week high suggests potential overvaluation concerns. These factors, combined with a low interest coverage ratio of 0.53, raise red flags about its ability to sustain growth without financial strain.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$28.00

Institutional Ownership %

1-Year Beta

0.89

Insider Buying % (6 Mo)

Distance to 52-Week High

66.60%

Distance to 52-Week Low

9.42%

EARNINGS SURPRISE %

6.67%

50-DAY SMA

$21.46

200-DAY SMA

$25.82

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.