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i3 Verticals

IIIV
42
Software - Infrastructure · Technology
Exchange
NASDAQ
Winston Score
42
Winston is serious
Mixed quality — meaningful strengths and weaknesses.

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 p

Winston Score History

Score breakdown

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Quality

Gross Margin
56.8%
Premium pricing power — 56.8% gross margin
Operating Margin
6.5%
Modest — 6.5% operating margin
ROCE
0.9%
Weak — 0.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
-0.1%
Shrinking sales (-0.1% YoY)
EPS YoY
-84.9%
Earnings shrinking (-84.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion
24%
Weak — only 24% of profit becomes cash
FCF Margin
-1.8%
Burning cash (-1.8%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity
0.26
Conservative — low debt load (0.26)
Interest Cover
1.50x
Dangerous — barely covers interest (1.5x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)
27.9x
no trend
Growth-priced — P/E 27.9

P/E above the market average. People are paying up for expected growth.

P/E vs Forward
+10.9
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (27.9 → 17.1)

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Dividends

Not applicable for this business.
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