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IIIV vs MFI

IIIV
i3 Verticals, Inc.
BEARISH
Price
$20.77
Market Cap
$643.7M
Sector
Technology
AI Confidence
85%
MFI
mF International Limited
BEARISH
Price
$12.43
Market Cap
$642.1M
Sector
Technology
AI Confidence
90%

Valuation

P/E Ratio
IIIV
259.62
MFI
--
Forward P/E
IIIV
16.64
MFI
-21.81
P/B Ratio
IIIV
1.31
MFI
7.26
P/S Ratio
IIIV
2.2
MFI
22.39
EV/EBITDA
IIIV
23.94
MFI
-0.43

Profitability

Gross Margin
IIIV
19.08%
MFI
43.13%
Operating Margin
IIIV
2.53%
MFI
-93.37%
Profit Margin
IIIV
-2.01%
MFI
-98.87%
ROE
IIIV
--
MFI
-77.91%
ROA
IIIV
--
MFI
-29.16%

Growth

Revenue Growth
IIIV
0.9%
MFI
20.8%
Earnings Growth
IIIV
-83.4%
MFI
--

Financial Health

Debt/Equity
IIIV
0.01
MFI
0.22
Current Ratio
IIIV
0.5
MFI
1.36
Quick Ratio
IIIV
0.37
MFI
0.75

Dividends

Dividend Yield
IIIV
--
MFI
--
Payout Ratio
IIIV
0.0%
MFI
0.0%

AI Verdict

IIIV BEARISH

IIIV presents a significant disconnect between its current market price and fundamental value, anchored by a stable Piotroski F-Score of 5/9 but severely undermined by a Graham Number of $5.34 and an Intrinsic Value of $0.56. While the company maintains very low debt, its liquidity position is precarious with a Current Ratio of 0.50, indicating potential short-term obligations risk. Revenue growth has stagnated at 0.90% YoY, and earnings growth has collapsed by 83.40%, making the trailing P/E of 259.62 unsustainable. The combination of bearish insider selling and a 0/100 technical trend suggests a lack of confidence in a near-term recovery.

Strengths
Very low Debt/Equity ratio (0.01)
Consistent history of beating quarterly earnings estimates
Stable Piotroski F-Score (5/9)
Risks
Severe liquidity risk with Current Ratio of 0.50 and Quick Ratio of 0.37
Extreme valuation premium over Graham Number ($20.77 vs $5.34)
Stagnant revenue growth (0.90% YoY)
MFI BEARISH

MFI exhibits severe financial instability, highlighted by a weak Piotroski F-Score of 3/9 and a catastrophic profit margin of -98.87%. While revenue growth remains positive at 20.80%, the company is operating at a massive loss with an extreme Price-to-Sales ratio of 22.39, indicating a significant valuation disconnect. The technical trend is entirely bearish (0/100), and the 6-month price collapse of -64.3% suggests a market correction of previous speculative gains. Despite a low debt-to-equity ratio, the operational burn rate makes the current valuation unsustainable.

Strengths
Positive revenue growth of 20.80% YoY
Low Debt/Equity ratio (0.22) indicating low leverage
Positive Gross Margin (43.13%) showing core product viability
Risks
Severe negative profitability (Profit Margin -98.87%)
Extreme valuation multiples (P/S of 22.39 is unsustainable for this margin profile)
Weak Piotroski F-Score (3/9) indicating deteriorating financial health

Compare Another Pair

IIIV vs MFI: Head-to-Head Comparison

This page compares i3 Verticals, Inc. (IIIV) and mF International Limited (MFI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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