WallStSmart

Surgepays Inc (SURG)vsAT&T Inc (T)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AT&T Inc generates 249335% more annual revenue ($125.65B vs $50.37M). T leads profitability with a 17.5% profit margin vs -83.4%. SURG appears more attractively valued with a PEG of 0.53. T earns a higher WallStSmart Score of 63/100 (C+).

SURG

Hold

39

out of 100

Grade: F

Growth: 4.0Profit: 2.0Value: 6.7Quality: 5.0

T

Buy

63

out of 100

Grade: C+

Growth: 5.3Profit: 7.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for SURG.

TSignificantly Overvalued (-39.7%)

Margin of Safety

-39.7%

Fair Value

$20.67

Current Price

$28.81

$8.14 premium

UndervaluedFair: $20.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SURG1 strengths · Avg: 8.0/10
PEG RatioValuation
0.538/10

Growing faster than its price suggests

T4 strengths · Avg: 9.0/10
Market CapQuality
$204.67B10/10

Mega-cap, among the largest globally

P/E RatioValuation
9.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.54B8/10

Generating 4.5B in free cash flow

Areas to Watch

SURG4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
2.9%4/10

2.9% revenue growth

Market CapQuality
$19.68M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-3.1%2/10

ROE of -3.1% — below average capital efficiency

EPS GrowthGrowth
-77.7%2/10

Earnings declined 77.7%

T3 concerns · Avg: 3.3/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.6%4/10

3.6% revenue growth

EPS GrowthGrowth
-5.6%2/10

Earnings declined 5.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : SURG

The strongest argument for SURG centers on PEG Ratio. PEG of 0.53 suggests the stock is reasonably priced for its growth.

Bull Case : T

The strongest argument for T centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 17.5% and operating margin at 18.4%.

Bear Case : SURG

The primary concerns for SURG are Revenue Growth, Market Cap, Return on Equity.

Bear Case : T

The primary concerns for T are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

SURG profiles as a turnaround stock while T is a value play — different risk/reward profiles.

T carries more volatility with a beta of 0.58 — expect wider price swings.

T is growing revenue faster at 3.6% — sustainability is the question.

T generates stronger free cash flow (4.5B), providing more financial flexibility.

Bottom Line

T scores higher overall (63/100 vs 39/100), backed by strong 17.5% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Surgepays Inc

COMMUNICATION SERVICES · TELECOM SERVICES · USA

SurgePays, Inc., provides telecommunications services in the United States. The company is headquartered in Bartlett, Tennessee.

AT&T Inc

COMMUNICATION SERVICES · TELECOM SERVICES · USA

AT&T Inc. is an American multinational conglomerate holding company, Delaware-registered but headquartered at Whitacre Tower in Downtown Dallas, Texas. It is the world largest telecommunications company, and the second largest provider of mobile telephone services.

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