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Usio, Inc.NasdaqGM:USIO Stock Report

Market Cap US$36.3m
Share Price
US$1.33
n/a
1Y-6.7%
7D-7.0%
Portfolio Value
​
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Usio, Inc.

NasdaqGM:USIO Stock Report

Market Cap: US$36.3m

Usio (USIO) Stock Overview

Provides integrated electronic payment processing services to merchants and businesses in the United States. More details

USIO fundamental analysis
Snowflake Score
Valuation4/6
Future Growth3/6
Past Performance0/6
Financial Health6/6
Dividends0/6

Rewards

Earnings are forecast to grow 194.34% per year

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 285.3%

Risk Analysis

Does not have a meaningful market cap ($36M)


USIO Community Fair Values

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See what 13 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Usio

Cashless Society Will Empower Seamless Payments Despite Regulatory Challenges

Key Takeaways Usio's growth is fueled by multi-product adoption, automation, and tech investments, driving stronger revenue, margin expansion, and enhanced customer retention beyond initial analyst estimates. Expansion into new payment solutions, disciplined acquisitions, and a robust client pipeline position Usio to outpace industry growth in the accelerating shift to digital transactions.
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US$6
FV
77.8% undervalued intrinsic discount
12.94%
Revenue growth p.a.
12
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
2users have followed this narrative
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Usio

Electronic Payments Will Expand Market Opportunities Amid Uncertainty

Key Takeaways Strong digital payment growth, technology innovation, and client diversification position Usio for expanding margins, recurring income, and sustained earnings resilience. Disciplined acquisition strategy and a solid cash position enhance both growth opportunities and attractiveness as an acquisition target in an active sector.
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US$5.13
FV
74.0% undervalued intrinsic discount
10.72%
Revenue growth p.a.
44
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
7users have followed this narrative
USIO logo
Usio

Delayed Rollouts And Heavy Client Concentration Will Jeopardize Revenue Yet Spur Cost Discipline

Key Takeaways Heavy dependence on a few key clients and delayed implementations creates ongoing revenue volatility and risk despite digital payments growth. Intensifying competition, regulatory demands, and technological shifts may undermine margin gains and threaten Usio's scalability and client acquisition.
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US$4
FV
66.8% undervalued intrinsic discount
8.67%
Revenue growth p.a.
6
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
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Usio, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Usio
Historical stock prices
Current Share PriceUS$1.33
52 Week HighUS$2.92
52 Week LowUS$1.24
Beta1.41
1 Month Change-2.21%
3 Month Change-8.90%
1 Year Change-6.67%
3 Year Change-2.92%
5 Year Change-50.00%
Change since IPO-97.04%

Recent News & Updates

Slammed 25% Usio, Inc. (NASDAQ:USIO) Screens Well Here But There Might Be A Catch

Sep 05
Slammed 25% Usio, Inc. (NASDAQ:USIO) Screens Well Here But There Might Be A Catch

Further Upside For Usio, Inc. (NASDAQ:USIO) Shares Could Introduce Price Risks After 30% Bounce

Jul 12
Further Upside For Usio, Inc. (NASDAQ:USIO) Shares Could Introduce Price Risks After 30% Bounce

Recent updates

Slammed 25% Usio, Inc. (NASDAQ:USIO) Screens Well Here But There Might Be A Catch

Sep 05
Slammed 25% Usio, Inc. (NASDAQ:USIO) Screens Well Here But There Might Be A Catch

Further Upside For Usio, Inc. (NASDAQ:USIO) Shares Could Introduce Price Risks After 30% Bounce

Jul 12
Further Upside For Usio, Inc. (NASDAQ:USIO) Shares Could Introduce Price Risks After 30% Bounce

I Like Usio's Direction, But Not Enough To Buy Right Now

Mar 28

Usio, Inc. (NASDAQ:USIO) Might Not Be As Mispriced As It Looks After Plunging 32%

Feb 21
Usio, Inc. (NASDAQ:USIO) Might Not Be As Mispriced As It Looks After Plunging 32%
User avatar

Improving Margins In ACH Segment And Strong Deal Pipeline Will Drive Future Profitability

Usio's expansion in ACH and PayFac segments is enhancing profitability and margins, positioning it for future earnings growth.

Market Might Still Lack Some Conviction On Usio, Inc. (NASDAQ:USIO) Even After 31% Share Price Boost

Jan 07
Market Might Still Lack Some Conviction On Usio, Inc. (NASDAQ:USIO) Even After 31% Share Price Boost

Usio: Growth, Strong Balance Sheet, Undervaluation, Positive Outlook

Aug 14

Usio, Inc.'s (NASDAQ:USIO) Subdued P/S Might Signal An Opportunity

May 21
Usio, Inc.'s (NASDAQ:USIO) Subdued P/S Might Signal An Opportunity

Usio, Inc. (NASDAQ:USIO) Could Be Riskier Than It Looks

Jan 18
Usio, Inc. (NASDAQ:USIO) Could Be Riskier Than It Looks

Usio, Inc.'s (NASDAQ:USIO) Shares Not Telling The Full Story

Aug 11
Usio, Inc.'s (NASDAQ:USIO) Shares Not Telling The Full Story

Usio co-founder passes away

Sep 13

Usio: Q2 total dollar processed declines 12% Y/Y, card segment on record high

Jul 26

Usio Buffeted By Voyager

Jun 23

Usio Is Getting Flushed With The Market

Jan 25

Usio Inc.'s PayFac Business Is A Rapidly-Growing, High-Quality Business That Is Alone Worth More Than Current EV

Oct 20

Usio Is Close To Turning Profitable

Oct 03

Shareholder Returns

USIOUS Diversified FinancialUS Market
7D-7.0%1.3%3.1%
1Y-6.7%2.6%14.6%

Return vs Industry: USIO underperformed the US Diversified Financial industry which returned 2.2% over the past year.

Return vs Market: USIO underperformed the US Market which returned 14.2% over the past year.

Price Volatility

Is USIO's price volatile compared to industry and market?
USIO volatility
USIO Average Weekly Movement4.8%
Diversified Financial Industry Average Movement5.2%
Market Average Movement6.4%
10% most volatile stocks in US Market16.7%
10% least volatile stocks in US Market3.0%

Stable Share Price: USIO has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: USIO's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1998109Louis Hochusio.com

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation.

Usio, Inc. Fundamentals Summary

How do Usio's earnings and revenue compare to its market cap?
USIO fundamental statistics
Market capUS$36.32m
Earnings (TTM)-US$387.78k
Revenue (TTM)US$83.71m
0.4x
P/S Ratio
-93.7x
P/E Ratio

Is USIO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
USIO income statement (TTM)
RevenueUS$83.71m
Cost of RevenueUS$63.83m
Gross ProfitUS$19.88m
Other ExpensesUS$20.27m
Earnings-US$387.78k

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)-0.014
Gross Margin23.75%
Net Profit Margin-0.46%
Debt/Equity Ratio4.5%

How did USIO perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/12/24 03:59
End of Day Share Price 2025/12/24 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Usio, Inc. is covered by 5 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Gary PrestopinoBarrington Research Associates, Inc.
Scott BuckH.C. Wainwright & Co.
Jon HickmanLadenburg Thalmann & Company