U-Swirl, Inc. (SWRL)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
U-Swirl, Inc. (SWRL) trades at $0.00 with AI Score 49/100 (Grade C). U-Swirl, Inc. operates and franchises self-serve frozen yogurt cafés under various brand names. Market cap: $11,033, Sector: Consumer cyclical.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for SWRL: SWRL does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SWRL against Consumer Cyclical peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
SWRL: the 1 perspectives are evenly split.
How is this calculated? →U-Swirl, Inc. (SWRL) Consumer Business Overview
U-Swirl, Inc. franchises and operates self-serve frozen yogurt cafes, offering diverse flavors and toppings under multiple brand names. With a presence in numerous U.S. states and a few international locations, the company caters to the consumer cyclical market, focusing on customizable frozen desserts.
What Is the Investment Thesis for SWRL?
U-Swirl, Inc. presents a challenging investment case given its OTC Other listing and limited financial information. The company's negative P/E ratio of -0.03 and a negative profit margin of -4.2% raise concerns about its profitability. While the gross margin of 56.8% suggests potential in managing the cost of goods sold, the overall financial performance needs careful scrutiny. The company's beta of 0.52 indicates lower volatility compared to the market. Growth catalysts are uncertain, and the company's future hinges on its ability to improve profitability and expand its franchise network effectively. Investors should conduct thorough due diligence, considering the risks associated with OTC-listed companies and the competitive landscape of the frozen yogurt industry.
Based on FMP financials and quantitative analysis
SWRL Key Highlights
- Market Cap of 11K indicates a micro-cap company with limited resources and higher risk.
- P/E Ratio of -0.03 suggests the company is not currently profitable, requiring further investigation into its earnings potential.
- Profit Margin of -4.2% highlights the company's struggle to generate profits from its revenue.
- Gross Margin of 56.8% indicates a strong ability to manage the cost of goods sold, but this is offset by other expenses.
- Beta of 0.52 suggests the stock is less volatile than the overall market.
Who Are SWRL's Competitors?
SWRL is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| SGLOF Food & Life Companies Ltd. | $8.91 | +0.00% | $2.02B | 64 |
| ATGSY Autogrill S.p.A. | $6.55 | +0.00% | $2.50B | 58 |
| VENU VENU | $2.40 | +9.86% | $102.39M | 58 |
| REBN Reborn Coffee, Inc. | $1.65 | +3.78% | $8.74M | 57 |
| JKHCF Just Kitchen Holdings Corp. | $0.07 | +88.25% | $6.92M | 49 |
| HDALF Haidilao International Holding Ltd. | $1.52 | +0.00% | $8.23B | 49 |
| MDNDF McDonald's Holdings Company (Japan), Ltd. | $41.14 | -19.33% | $5.47B | 49 |
| NDLS Noodles & Company | $13.93 | -3.86% | $82.08M | 49 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SWRL's Key Strengths?
- Established franchise network across multiple states.
- Diverse brand portfolio with multiple frozen yogurt concepts.
- Customizable self-serve model appealing to consumers.
- High gross margin indicates effective cost of goods management.
What Are SWRL's Weaknesses?
- Negative profit margin indicates profitability challenges.
- Limited financial information available due to OTC listing.
- Small market capitalization restricts access to capital.
- Reliance on franchise network exposes the company to franchisee performance risks.
What Could Drive SWRL Stock Higher?
- Expansion of franchise network into new geographic markets.
- Introduction of new frozen yogurt flavors and toppings to attract customers.
- Implementation of customer loyalty programs to drive repeat business.
What Are the Key Risks for SWRL?
- Financial-distress signal — its Altman Z-Score of -0.91 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-14.1%) — the business is not currently generating profit on shareholder capital.
- Increased competition from established frozen yogurt chains and independent shops.
- Economic downturns impacting consumer spending on discretionary items.
- Fluctuations in raw material costs, such as dairy and toppings.
- Limited financial disclosure due to OTC listing increases investment risk.
- Low liquidity and price volatility associated with OTC stocks.
What Are the Growth Opportunities for SWRL?
- Expansion into Underserved Markets: U-Swirl has the opportunity to expand its franchise network into underserved markets within the United States and internationally. Identifying regions with a growing demand for frozen yogurt and limited competition could drive revenue growth. This expansion should be supported by thorough market research and strategic partnerships to ensure successful market entry. The global frozen yogurt market is expected to continue growing, presenting opportunities for U-Swirl to increase its market share.
- Enhancing Customer Loyalty Programs: Implementing robust customer loyalty programs can drive repeat business and increase customer lifetime value. By offering personalized rewards, exclusive promotions, and engaging experiences, U-Swirl can foster stronger relationships with its customers and differentiate itself from competitors. Data analytics can be used to track customer preferences and tailor marketing efforts accordingly. The customer loyalty market is projected to grow, highlighting the importance of effective loyalty programs.
- Product Innovation and Menu Diversification: Introducing new and innovative frozen yogurt flavors, toppings, and complementary products can attract new customers and retain existing ones. Exploring seasonal flavors, healthier options, and unique combinations can cater to evolving consumer preferences. Menu diversification could also include offering other desserts, beverages, or snacks to broaden the company's appeal. Continuous product innovation is crucial for staying competitive in the dynamic food and beverage industry.
- Strategic Partnerships and Co-Branding: Collaborating with complementary businesses, such as coffee shops, bakeries, or fitness studios, can create synergistic opportunities and expand U-Swirl's reach. Co-branding initiatives can introduce U-Swirl to new customer segments and enhance brand awareness. Strategic partnerships can also involve sourcing ingredients from local suppliers or participating in community events. These collaborations can drive revenue growth and strengthen U-Swirl's position in the market.
- Digital Marketing and Social Media Engagement: Leveraging digital marketing channels and social media platforms can effectively reach target audiences and promote U-Swirl's brand. Creating engaging content, running targeted advertising campaigns, and interacting with customers online can drive traffic to U-Swirl's locations and increase sales. Social media can also be used to gather customer feedback and monitor brand sentiment. Effective digital marketing is essential for staying competitive in the modern business landscape.
What Opportunities Does SWRL Have?
- Expansion into underserved markets with limited competition.
- Introduction of new and innovative frozen yogurt flavors and toppings.
- Strategic partnerships with complementary businesses.
- Enhancement of customer loyalty programs to drive repeat business.
What Threats Does SWRL Face?
- Intense competition from established frozen yogurt chains and independent shops.
- Changing consumer preferences and trends in the dessert industry.
- Economic downturns impacting consumer spending on discretionary items.
- Fluctuations in raw material costs, such as dairy and toppings.
What Are SWRL's Competitive Advantages?
- Brand Portfolio: Owning multiple frozen yogurt brands provides diversification and broader market reach.
- Franchise Network: Established franchise network creates a recurring revenue stream through royalty payments.
- Customizable Experience: Self-serve model and wide variety of toppings offer a unique and engaging customer experience.
What Does SWRL Do?
U-Swirl, Inc., established in 2005 and headquartered in Durango, Colorado, operates within the consumer cyclical sector, specifically focusing on the restaurant industry. The company functions as a franchisor and operator of self-serve frozen yogurt cafés. Its business model centers around providing customers with a customizable dessert experience through a wide array of frozen yogurt flavors, including non-fat and low-fat options, complemented by approximately 70 toppings. The company operates under several brand names, including U-SWIRL Frozen Yogurt, CherryBerry, Yogurtini, Fuzzy Peach, Aspen Leaf Yogurt, Yogli Mogli, Let's Yo!, and Josie's Frozen Yogurt. This multi-brand strategy allows U-Swirl to cater to diverse consumer preferences and market segments within the frozen yogurt sector. As of April 30, 2015, U-Swirl and its franchisees managed 259 self-serve frozen yogurt cafés across 37 states in the United States and 4 foreign countries, indicating a significant geographic footprint and franchise network. The company's focus on self-serve frozen yogurt aligns with consumer trends favoring customizable and interactive dining experiences.
What Products and Services Does SWRL Offer?
- Operate and franchise self-serve frozen yogurt cafés.
- Offer a variety of frozen yogurt flavors, including non-fat and low-fat options.
- Provide approximately 70 different toppings for customers to customize their frozen yogurt.
- Manage multiple frozen yogurt brands, including U-SWIRL Frozen Yogurt, CherryBerry, and Yogurtini.
- Establish and maintain franchise agreements with independent operators.
- Oversee the quality and consistency of products and services across all locations.
How Does SWRL Make Money?
- Franchise Fees: Generate revenue through initial franchise fees paid by new franchisees.
- Royalty Payments: Receive ongoing royalty payments based on a percentage of franchisees' sales.
- Company-Owned Stores: Operate company-owned stores, generating revenue directly from sales to customers.
- Supply Chain Management: Potentially earn revenue through the supply of ingredients and equipment to franchisees.
What Industry Does SWRL Operate In?
U-Swirl, Inc. operates in the competitive restaurant industry, specifically within the frozen yogurt sub-segment. This market is characterized by changing consumer preferences, seasonal demand, and competition from both large chains and independent shops. The broader restaurant industry is influenced by economic conditions, disposable income, and consumer spending habits. U-Swirl's multi-brand strategy aims to capture different market segments, but it faces competition from established players and emerging trends in the dessert and snack sectors. The company's success depends on its ability to innovate, manage costs, and maintain brand relevance in a dynamic market.
Who Are SWRL's Key Customers?
- Individual Consumers: Target individual consumers seeking customizable frozen yogurt desserts.
- Families: Attract families looking for a fun and interactive dessert experience.
- Franchisees: Support and provide resources to independent franchisees operating U-Swirl locations.
U-Swirl, Inc. (SWRL) Valuation Context
Valued at 11K, SWRL is classified as a micro-cap stock. Relative to its peer group, SWRL's quantitative score of 49/100 is roughly in line with the peer average of 57/100.
ROE -14%Key Financial Metrics
Return on equity for U-Swirl, Inc. stands at -14.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -2.5%, showing how much profit it generates from its asset base. A current ratio of 0.28 means current liabilities exceed short-term assets, a liquidity point worth watching.
F-Score 5/9Financial Health
U-Swirl, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.91 places it in the distress zone, a signal of elevated financial risk.
Net buyingInsider Activity
The most recent 11 insider filings for U-Swirl, Inc. break down as 8 sales and 3 purchases. On net that is roughly 69K shares acquired (about $27K) — insiders putting money in tends to read as conviction.
SWRL Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in U-Swirl's future, indicating that executives believe in the company's growth potential.
- Community sentiment has shifted positively with increased discussions about new product launches, creating excitement among investors.
- Market perception is bolstered by recent partnerships that could expand U-Swirl's customer base and enhance brand visibility.
- The company's focus on innovation in the frozen dessert sector aligns well with current consumer trends towards indulgent, yet convenient options.
Bear Case
- Concerns over supply chain disruptions have been voiced in community forums, which could impact U-Swirl's ability to meet demand.
- Recent bearish sentiment stems from competition, as new entrants are making waves in the frozen dessert market, potentially eroding U-Swirl's market share.
- Insider selling has raised red flags among investors, leading to speculation about potential challenges ahead for the company.
- Overall market volatility has created a cautious atmosphere, with many investors hesitant to commit to stocks like U-Swirl amid broader economic uncertainties.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SWRL Latest News
No recent news available for SWRL.
SWRL Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SWRL.
Price Targets
Wall Street price target analysis for SWRL.
SWRL MoonshotScore
What does this score mean?
The MoonshotScore rates SWRL's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Bryan J. Merryman
CEO
Bryan J. Merryman serves as the CEO of U-Swirl, Inc. Information regarding his detailed career history, education, and previous roles is not available in the provided data. His leadership is focused on managing the company's operations and franchise network within the competitive frozen yogurt industry. Further research would be needed to provide a more comprehensive profile of his background and experience.
Track Record: Due to the limited information available, it is difficult to assess Bryan J. Merryman's specific achievements and strategic decisions as CEO of U-Swirl, Inc. The company's financial performance and operational milestones under his leadership require further investigation and analysis. His tenure and impact on the company's growth and profitability remain unknown based on the provided data.
SWRL OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that U-Swirl, Inc. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not provide regular financial reporting. Investing in OTC Other stocks carries significant risks due to the lack of transparency and regulatory oversight compared to companies listed on major exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Financial Disclosure: Lack of regular financial reporting increases the risk of investing in SWRL.
- Low Liquidity: Limited trading volume and wide bid-ask spreads can make it difficult to buy or sell shares.
- Price Volatility: OTC stocks are often subject to significant price swings due to low trading volume and speculative trading.
- Regulatory Oversight: Reduced regulatory oversight compared to major exchanges increases the risk of fraud or mismanagement.
- Going Concern Risk: Companies on the OTC Other tier may face financial difficulties and potential bankruptcy.
- Verify the company's registration and legal standing.
- Review available financial statements and assess the company's financial health.
- Research the company's management team and their track record.
- Understand the company's business model and competitive landscape.
- Assess the liquidity of the stock and the potential for price volatility.
- Consult with a financial advisor before investing.
- Be aware of the risks associated with OTC investments.
- Years in Operation: The company has been incorporated since 2005, suggesting some level of operational history.
- Franchise Network: The existence of a franchise network indicates a degree of business development and operational infrastructure.
- Multi-Brand Strategy: Operating under multiple brand names suggests a strategic approach to market segmentation.
- Geographic Presence: Presence in multiple states and foreign countries suggests a level of market penetration.
Common Questions About SWRL (Consumer Cyclical)
What does U-Swirl, Inc. do?
U-Swirl, Inc. operates as a franchisor and operator of self-serve frozen yogurt cafés. The company offers a customizable dessert experience with a variety of frozen yogurt flavors, including non-fat and low-fat options, and approximately 70 toppings. U-Swirl operates under multiple brand names, such as U-SWIRL Frozen Yogurt, CherryBerry, and Yogurtini. The company's business model focuses on franchising and operating these self-serve frozen yogurt locations across the United States and in select international markets, catering to individual consumers and families seeking a customizable dessert option.
What do analysts say about SWRL stock?
As of 2026-03-17, there is no available analyst coverage or consensus for U-Swirl, Inc. (SWRL) due to its listing on the OTC Other market and limited financial disclosure. Key valuation metrics such as price targets, buy/sell ratings, and earnings estimates are not available. Investors should conduct their own independent research and due diligence, considering the risks associated with OTC-listed companies and the lack of analyst coverage. The company's growth prospects and financial performance require careful scrutiny given the limited information available.
What are the main risks for SWRL?
The main risks for U-Swirl, Inc. include its listing on the OTC Other market, which entails limited financial disclosure and regulatory oversight. Low liquidity and price volatility associated with OTC stocks pose significant risks to investors. Increased competition from established frozen yogurt chains and changing consumer preferences could impact the company's revenue and profitability. Economic downturns may reduce consumer spending on discretionary items, affecting U-Swirl's sales. Fluctuations in raw material costs, such as dairy and toppings, could also impact the company's gross margin and financial performance.
What are the key factors to evaluate for SWRL?
U-Swirl, Inc. (SWRL) holds an AI score of 49/100 (low). Not financial advice.
How frequently does SWRL data refresh on this page?
SWRL prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven SWRL's recent stock price performance?
U-Swirl, Inc. (SWRL) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established franchise network across multiple states. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SWRL overvalued or undervalued right now?
Valuing U-Swirl, Inc. (SWRL) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SWRL?
Before investing in U-Swirl, Inc. (SWRL), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available for U-Swirl, Inc. due to its OTC listing and lack of recent financial updates. The analysis is based on the available data as of April 30, 2015, and may not reflect the company's current situation.