I3 VERTICALS INC-CLASS A (IIIV)
US46571Y1073 - Common Stock
Overall IIIV gets a fundamental rating of 4 out of 10. We evaluated IIIV against 100 industry peers in the Financial Services industry. IIIV scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. IIIV has a valuation in line with the averages, but it does not seem to be growing.
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 each of the past 5 years.
Of the past 5 years IIIV 4 years had a positive operating cash flow.
1.2 Ratios
IIIV's Return On Assets of 0.12% is on the low side compared to the rest of the industry. IIIV is outperformed by 67.00% of its industry peers.
IIIV's Return On Equity of 0.43% is on the low side compared to the rest of the industry. IIIV is outperformed by 70.00% of its industry peers.
IIIV has a Return On Invested Capital (2.15%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.43% | ||
| ROIC | 2.15% |
ROA(3y)-1%
ROA(5y)-0.79%
ROE(3y)-3.46%
ROE(5y)-2.87%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of IIIV (0.30%) is worse than 68.00% of its industry peers.
IIIV has a worse Operating Margin (5.77%) than 66.00% of its industry peers.
IIIV's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 84.62%, IIIV belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
In the last couple of years the Gross Margin of IIIV has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.77% | ||
| PM (TTM) | 0.3% | ||
| GM | 84.62% |
OM growth 3Y8.32%
OM growth 5Y11.49%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y4.51%
GM growth 5Y29.8%
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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
IIIV has an Altman-Z score of 1.55. This is a bad value and indicates that IIIV is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.55, IIIV is in the better half of the industry, outperforming 71.00% of the companies in the same industry.
IIIV has a debt to FCF ratio of 16.95. This is a negative value and a sign of low solvency as IIIV would need 16.95 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 16.95, IIIV is in line with its industry, outperforming 47.00% of the companies in the same industry.
IIIV has a Debt/Equity ratio of 1.39. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.39, IIIV is not doing good in the industry: 61.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.39 | ||
| Debt/FCF | 16.95 | ||
| Altman-Z | 1.55 |
ROIC/WACC0.27
WACC8%
2.3 Liquidity
A Current Ratio of 2.98 indicates that IIIV has no problem at all paying its short term obligations.
IIIV has a better Current ratio (2.98) than 86.00% of its industry peers.
A Quick Ratio of 2.96 indicates that IIIV has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 2.96, IIIV belongs to the best of the industry, outperforming 86.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.98 | ||
| Quick Ratio | 2.96 |
3. Growth
3.1 Past
IIIV shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.87%.
IIIV shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.84% yearly.
EPS 1Y (TTM)-39.87%
EPS 3Y-4%
EPS 5Y1.84%
EPS Q2Q%-62.5%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-36.87%
3.2 Future
IIIV is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.81% yearly.
Based on estimates for the next years, IIIV will show a small growth in Revenue. The Revenue will grow by 6.14% on average per year.
EPS Next Y46.13%
EPS Next 2Y24.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.68%
Revenue Next 2Y6.14%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 26.21, the valuation of IIIV can be described as expensive.
Based on the Price/Earnings ratio, IIIV is valued a bit more expensive than 61.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.65. IIIV is around the same levels.
With a Price/Forward Earnings ratio of 17.93, IIIV is valued on the expensive side.
IIIV's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.56. IIIV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.21 | ||
| Fwd PE | 17.93 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as IIIV.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IIIV is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 36.9 | ||
| EV/EBITDA | 19.61 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as IIIV's earnings are expected to grow with 24.81% in the coming years.
PEG (NY)0.57
PEG (5Y)14.27
EPS Next 2Y24.81%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for IIIV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
I3 VERTICALS INC-CLASS A
NASDAQ:IIIV (11/20/2024, 8:00:02 PM)
After market: 24.11 0 (0%)24.11
+0.92 (+3.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap814.68M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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PT rev (1m)
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EPS NQ rev (1m)
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Revenue NY rev (1m)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.21 | ||
| Fwd PE | 17.93 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.57
PEG (5Y)14.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.43% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 5.77% | ||
| PM (TTM) | 0.3% | ||
| GM | 84.62% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.39 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.98 | ||
| Quick Ratio | 2.96 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-39.87%
EPS 3Y-4%
EPS 5Y
EPS Q2Q%
EPS Next Y46.13%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y