Usio, Inc.

NasdaqGM:USIO Stock Report

Market Cap: US$42.0m

Usio Future Growth

Future criteria checks 3/6

Usio is forecast to grow earnings and revenue by 163.4% and 9.4% per annum respectively while EPS is expected to grow by 161% per annum.

Key information

163.4%

Earnings growth rate

161.05%

EPS growth rate

Diversified Financial earnings growth7.9%
Revenue growth rate9.4%
Future return on equityn/a
Analyst coverage

Low

Last updated15 May 2026

Recent future growth updates

Recent updates

Narrative Update • May 11

USIO: New Gift Card Platform Will Reshape Merchant Payment Controls

Analysts have lifted their price target on Usio from $4.00 to $4.50, citing adjustments to their fair value estimate, discount rate, revenue growth expectations, profit margin outlook, and a lower assumed future P/E multiple. What's in the News Usio launched a new Private-Label Gift Card platform that lets businesses offer branded gift cards usable across locations, point-of-sale systems, and payment processors while using traditional payment networks (Key Developments).
Analysis Article • Sep 05

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

The Usio, Inc. ( NASDAQ:USIO ) share price has softened a substantial 25% over the previous 30 days, handing back much...
Narrative Update • Aug 08

Electronic Payments Will Expand Market Opportunities Amid Uncertainty

The drop in Usio’s consensus price target reflects a substantial decline in net profit margin alongside a sharply higher future P/E, indicating weaker expected profitability and increasing valuation risk, with fair value now revised down to $5.12. What's in the News Usio and Mortgage Automator formed a strategic partnership to integrate Usio's advanced payment solutions into Mortgage Automator's platform, offering users automated payment options and streamlined loan servicing.
Analysis Article • Jul 12

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

Usio, Inc. ( NASDAQ:USIO ) shareholders have had their patience rewarded with a 30% share price jump in the last month...
Seeking Alpha • Mar 28

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

Summary Usio, Inc. is transitioning from transactional services to an integrated fintech platform, focusing on recurring, tech-driven revenue streams for future growth. Despite a strong year-end finish with notable cash flow and payment processing volume increases, core revenue growth remains underwhelming. The company's valuation reflects investor optimism for future growth, but earnings volatility and execution risks make it a hold rather than a buy. Usio's shift to a platform model shows potential, but its ability to consistently generate high-margin revenue and free cash flow is still unproven. Read the full article on Seeking Alpha
Analysis Article • Feb 21

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

The Usio, Inc. ( NASDAQ:USIO ) share price has softened a substantial 32% over the previous 30 days, handing back much...
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New Narrative • Feb 09

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.
Analysis Article • Jan 07

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

Usio, Inc. ( NASDAQ:USIO ) shareholders have had their patience rewarded with a 31% share price jump in the last month...
Seeking Alpha • Aug 14

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

Summary Usio, Inc. has maintained a strong balance sheet by being net cash as of Q1 2024. The company forecasts that revenue YoY growth, adj. EBITDA YoY growth, positive operating cash flow and positive free cash flow will continue in 2024. On top of this, Usio, Inc. expects that it will be profitable in 2024. Based on absolute and relative valuation, Usio, Inc. at $1.50 per share is very cheap. Read the full article on Seeking Alpha
Analysis Article • May 21

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

Usio, Inc.'s ( NASDAQ:USIO ) price-to-sales (or "P/S") ratio of 0.6x might make it look like a strong buy right now...
Analysis Article • Jan 18

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

With a price-to-sales (or "P/S") ratio of 0.5x Usio, Inc. ( NASDAQ:USIO ) may be sending bullish signals at the moment...
Analysis Article • Aug 11

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

Usio, Inc.'s ( NASDAQ:USIO ) price-to-sales (or "P/S") ratio of 0.5x might make it look like a buy right now compared...
Seeking Alpha • Sep 13

Usio co-founder passes away

Electronic payment solutions provider Usio (NASDAQ:USIO) said its chairman and co-founder, Michael Long, passed away on Sep. 7. The board voted to name President and CEO Louis Hoch to the additional role of chairman in a special board meeting on Sep. 12. Source: Press Release
Seeking Alpha • Jul 26

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

Usio (NASDAQ:USIO) reported Tuesday a 2% sequential growth in total dollar processed to $2.4B during Q2 2022; however, down 12% compared to last year’s record second quarter. The fintech electronic payment company said total payment transactions processed in the second quarter of 2022 were 10.35M and included following processing results: Credit Card Dollars Processed (Including PayFac) was +2% sequentially, +9% year-over-year. Credit Card Transactions Processed +5%, +35%. Prepaid Card Load Volume -16%, +81%. Prepaid Card Transactions Processed -28%, +190%. Prepaid Card Purchase Dollars Processed -27%, +76%. Electronic Check Transaction Volume +10%, -8%. "Both card and ACH volumes set records in the final month of the quarter, June 2022, with monthly card volumes setting an all-time high and ACH volumes nearly matching our all-time high for a month. Consequently, we are maintaining our outlook of 16% - 20% revenue growth for the year, conditioned on favorable economic conditions," said Usio's President and CEO Louis Hoch.  Further, the company told it expects over $15M of potential card spoilage to start recognizing in September. Earlier: Usio stock drops as Voyager Digital halts trading
Seeking Alpha • Jun 23

Usio Buffeted By Voyager

The company's shares have sold off strongly on economic and crypto risk and the latter turned out to be real with their crypto partner Voyager entering into serious problems. Q1 margins showed some decline mostly on one-off investments, paving the way for recovery in subsequent quarters, and the company still gained cash. Guidance will likely be lowered considerably, and we think the shares will be dead money for a while, although we think most of the problems are priced in already. Longer term, PayFac and prepaid will likely to keep growing strongly, so there is still some lure for the patient investor.
Seeking Alpha • Jan 25

Usio Is Getting Flushed With The Market

The shares are sold off in sympathy with FinTech companies trading on much higher multiples. Their crypto and ACH businesses do produce some exposure to a weakening economy. However, the company is largely a secular growth story on the back of fast-growing PayFac and prepaid segments.
Seeking Alpha • Oct 20

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

PayFac business is high-quality and growing >60%, worth $6/share today and $24/share in 2027. Prepaid business is another quality business that is growing 20%, worth $2.40/share today and $4.60/share in 2027. Remaining business units are free cash flow generators that will grow 2% organically over the next 5-7 years, providing free cash flow to invest in PayFac, Prepaid, and other growth. Blended organic growth 26% annually over next six years. Business worth $34 in 2027 based on 4x EV/sales and 30x EV/FCF, giving 35% CAGR potential.
Seeking Alpha • Oct 03

Usio Is Close To Turning Profitable

Usio is firing on all cylinders and the company had its third consecutive quarter with positive adjusted EBITDA. The company is close to profitability. Management increased guidance again although the surprising thing is that it seems to indicate a flat H2 versus H1, which is likely to be too conservative, given the growth momentum.

Earnings and Revenue Growth Forecasts

NasdaqGM:USIO - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20271052N/AN/A4
12/31/2026950N/AN/A4
3/31/202689-2-11N/A
12/31/202585-302N/A
9/30/202584012N/A
6/30/202584324N/A
3/31/202584334N/A
12/31/202483323N/A
9/30/2024833-37-36N/A
6/30/202482-1-25-24N/A
3/31/202484-134N/A
12/31/202384034N/A
9/30/202383-14747N/A
6/30/202378-23233N/A
3/31/202373-4-11-10N/A
12/31/202269-5-18-17N/A
9/30/202268-5-3-2N/A
6/30/202268-345N/A
3/31/202267-11112N/A
12/31/20216202930N/A
9/30/2021540910N/A
6/30/202146-1-9-8N/A
3/31/202138-31718N/A
12/31/202032-356N/A
9/30/202030-534N/A
6/30/202029-51415N/A
3/31/202029-5-5-4N/A
12/31/201928-5N/A-4N/A
9/30/201927-4N/A-4N/A
6/30/201927-4N/A-4N/A
3/31/201926-4N/A-4N/A
12/31/201825-4N/A-3N/A
9/30/201824-4N/A-2N/A
6/30/201821-4N/A-1N/A
3/31/201818-4N/A0N/A
12/31/201715-3N/A-1N/A
9/30/201712-2N/A-1N/A
6/30/201711-2N/A-1N/A
3/31/201712-1N/A0N/A
12/31/201612-1N/A1N/A
9/30/201613-1N/A1N/A
6/30/2016130N/A1N/A
3/31/2016140N/A2N/A
12/31/2015141N/A2N/A
9/30/2015143N/A-31N/A
6/30/2015154N/A-31N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: USIO is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (3.5%).

Earnings vs Market: USIO is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: USIO is expected to become profitable in the next 3 years.

Revenue vs Market: USIO's revenue (9.4% per year) is forecast to grow slower than the US market (11.7% per year).

High Growth Revenue: USIO's revenue (9.4% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if USIO's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/18 20:47
End of Day Share Price 2026/05/15 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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

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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. 4 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