Usio, Inc.

NasdaqGM:USIO Stock Report

Market Cap: US$68.4m

Usio Management

Management criteria checks 2/4

We currently do not have sufficient information about the CEO.

Key information

Louis Hoch

Chief executive officer

US$1.4m

Total compensation

CEO salary percentage64.08%
CEO tenure28yrs
CEO ownership12.7%
Management average tenure4.7yrs
Board average tenure9.2yrs

Recent management updates

Recent updates

Narrative Update • Jun 24

USIO: New Gift Card Platform Will Drive Future Upside Potential

Analysts have raised their price target on Usio stock to $6.25 from $5.75, citing updated assumptions around revenue growth, profit margins, discount rate and future P/E that support a higher valuation framework. What’s in the News for Usio Usio amended and restated its corporate bylaws, updating advance notice procedures for stockholder proposals and director nominations, including alignment with SEC “universal proxy” rules under Rule 14a-19.
Narrative Update • Jun 05

USIO: New Gift Card Platform And Higher P E Multiple Will Drive Upside

Analysts have raised their price target on Usio to $6.25 from $5.75, citing updated assumptions on the discount rate, revenue growth, profit margin, and a significantly higher future P/E multiple in their valuation work. What's in the News Usio launched a new Private-Label Gift Card platform that lets businesses offer branded cards usable across locations, point-of-sale systems, and payment processors, with controls over where cards can be spent.
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.

CEO Compensation Analysis

How has Louis Hoch's remuneration changed compared to Usio's earnings?
DateTotal CompensationSalaryCompany Earnings
Mar 31 2026n/an/a

-US$2m

Dec 31 2025US$1mUS$879k

-US$3m

Sep 30 2025n/an/a

-US$388k

Jun 30 2025n/an/a

US$3m

Mar 31 2025n/an/a

US$3m

Dec 31 2024US$1mUS$783k

US$3m

Sep 30 2024n/an/a

US$3m

Jun 30 2024n/an/a

-US$870k

Mar 31 2024n/an/a

-US$740k

Dec 31 2023US$1mUS$633k

-US$475k

Sep 30 2023n/an/a

-US$652k

Jun 30 2023n/an/a

-US$2m

Mar 31 2023n/an/a

-US$4m

Dec 31 2022US$621kUS$588k

-US$5m

Sep 30 2022n/an/a

-US$5m

Jun 30 2022n/an/a

-US$3m

Mar 31 2022n/an/a

-US$1m

Dec 31 2021US$1mUS$495k

-US$322k

Sep 30 2021n/an/a

-US$208k

Jun 30 2021n/an/a

-US$1m

Mar 31 2021n/an/a

-US$3m

Dec 31 2020US$917kUS$350k

-US$3m

Sep 30 2020n/an/a

-US$5m

Jun 30 2020n/an/a

-US$5m

Mar 31 2020n/an/a

-US$5m

Dec 31 2019US$516kUS$350k

-US$5m

Compensation vs Market: Louis's total compensation ($USD1.37M) is above average for companies of similar size in the US market ($USD659.85K).

Compensation vs Earnings: Louis's compensation has increased whilst the company is unprofitable.

CEO

Louis Hoch (60 yo)

28yrs
Tenure
US$1,371,589
Compensation

Mr. Louis A. Hoch is Co-Founder of USIO, INC. (formerly known as Payment Data Systems, Inc.) and has been its Chief Executive Officer since August 4, 2016 and is its President, Director since July 1998 and...

Leadership Team

NamePositionTenureCompensationOwnership
Louis Hoch
Co-Founder28yrsUS$1.37m12.71%
$ 8.7m
Michael White
Senior VP2.5yrsUS$333.54k1.17%
$ 798.5k
Houston Frost
Senior VP of Corporate Development & Prepaid Products and Chief Product Officer11.6yrsUS$348.60k2.81%
$ 1.9m
Gregory Carter
Executive VP of Payment Acceptance & Chief Revenue Officer1.3yrsUS$416.08k1.66%
$ 1.1m
Kenneth Keller
Chief Technology Officer & Senior VP18.5yrsUS$121.61kno data
Paul Manley
Senior Vice President of Investor Relations3.9yrsno datano data
Wayne Gonzales
Senior VP & Chief Compliance Officerno datano datano data
Joseph Saahene
VP & General Counsel1.6yrsno datano data
Joe Huch
Vice President of Sales10.8yrsno datano data
Silas Green
Senior Vice President of Output Solutions5.6yrsno datano data
Steve Peterson
Senior Vice President of Emerging Markets4.7yrsno datano data
Jerry Uffner
Senior Vice President of Card Issuing2.6yrsno data0.74%
$ 509.1k
4.7yrs
Average Tenure
60yo
Average Age

Experienced Management: USIO's management team is considered experienced (4.7 years average tenure).

Board Members

NamePositionTenureCompensationOwnership
Louis Hoch
Co-Founder28yrsUS$1.37m12.71%
$ 8.7m
Jason Moore
Member of Advisory Board20.1yrsno datano data
Tom DeBrooke
Member of Advisory Board20.1yrsno datano data
Bradley Rollins
Independent Director9.2yrsUS$37.24k0.52%
$ 356.3k
Blaise Bender
Independent Director7.3yrsUS$52.24k0.38%
$ 262.6k
Ernesto Beyer del la Garza
Independent Director5.9yrsUS$37.24k0.36%
$ 247.2k
Elizabeth Miller
Independent Director4.1yrsUS$37.24k0.26%
$ 176.6k
9.2yrs
Average Tenure
55yo
Average Age

Experienced Board: USIO's board of directors are considered experienced (9.2 years average tenure).

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/06 07:32
End of Day Share Price 2026/07/02 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 4 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.
Jon HickmanLadenburg Thalmann & Company
Barry SineLitchfield Hills Research, LLC