Surge poised for Significant Growth! We are modeling very healthy 17% operating margin. For 2021 our preliminary estimates include $205 million in sales and $51.3 million in net and $0.15 in EPS, with operating and next margin exceeding 21%. Frankly, this number may be too low; if more stores or manufacturers are on-boarded, or Visa holders and usage rise, the sales figure could approach $300 million. Our $3.25 price target is based on 4.8x 2021P revenue and 22x 2021P EPS forecasts. It should be noted that these metrics are below that of a key publicly traded comparable as well as other SaaS companies. We rate these shares Speculative Buy.