Usio, Inc.

NasdaqGM:USIO Stock Report

Market Cap: US$36.6m

Usio Valuation

Is USIO undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of USIO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: Insufficient data to calculate USIO's future cash flow value for valuation analysis.

Significantly Below Future Cash Flow Value: Insufficient data to calculate USIO's future cash flow value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for USIO?

Key metric: As USIO is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for USIO. This is calculated by dividing USIO's market cap by their current revenue.
What is USIO's PS Ratio?
PS Ratio0.4x
SalesUS$83.71m
Market CapUS$36.59m

Price to Sales Ratio vs Peers

How does USIO's PS Ratio compare to its peers?

The above table shows the PS ratio for USIO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average6.1x
APCX AppTech Payments
18.8xn/aUS$15.5m
XBP XBP Global Holdings
1.4xn/aUS$90.8m
CURR CURRENC Group
3.8xn/aUS$151.7m
RVYL Ryvyl
0.1xn/aUS$6.5m
USIO Usio
0.4x10.45%US$36.6m

Price-To-Sales vs Peers: USIO is good value based on its Price-To-Sales Ratio (0.4x) compared to the peer average (6.1x).

Historical Price to Sales Ratio

Historical Price to Sales Ratio compares a stock's price to its sales over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Sales Ratio vs Industry

How does USIO's PS Ratio compare vs other companies in the US Diversified Financial Industry?

10 CompaniesPrice / SalesEstimated GrowthMarket Cap
Industry Avg.2.4x8.5%
USIO Usio
 0.4x10.45%US$36.59m
UWMC UWM Holdings
0.5x18.98%US$7.74b
LDI loanDepot
0.4x18.04%US$706.46m
USIO 0.4xIndustry Avg. 2.4xNo. of Companies19PS0246810+
10 CompaniesEstimated GrowthMarket Cap
Industry Avg.2.4x10.0%
USIO Usio
 0.4x194.34%US$36.59m
No more companies

Price-To-Sales vs Industry: USIO is good value based on its Price-To-Sales Ratio (0.4x) compared to the US Diversified Financial industry average (2.4x).

Price to Sales Ratio vs Fair Ratio

What is USIO's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

USIO PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.4x
Fair PS Ratio0.6x

Price-To-Sales vs Fair Ratio: USIO is good value based on its Price-To-Sales Ratio (0.4x) compared to the estimated Fair Price-To-Sales Ratio (0.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst USIO forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$1.32
US$5.13
+288.26%
14.43%US$6.00US$4.00n/a4
Feb ’27US$1.40
US$5.13
+266.07%
14.43%US$6.00US$4.00n/a4
Jan ’27US$1.36
US$5.13
+276.84%
14.43%US$6.00US$4.00n/a4
Dec ’26US$1.43
US$5.13
+258.39%
14.43%US$6.00US$4.00n/a4
Nov ’26US$1.47
US$5.13
+248.64%
14.43%US$6.00US$4.00n/a4
Oct ’26US$1.37
US$5.13
+274.09%
14.43%US$6.00US$4.00n/a4
Sep ’26US$1.48
US$5.13
+247.46%
14.43%US$6.00US$4.00n/a4
Aug ’26US$1.68
US$5.75
+242.26%
18.95%US$7.00US$4.00n/a4
Jul ’26US$1.58
US$5.75
+263.92%
18.95%US$7.00US$4.00n/a4
Jun ’26US$1.41
US$5.75
+307.80%
18.95%US$7.00US$4.00n/a4
May ’26US$1.64
US$5.75
+250.61%
18.95%US$7.00US$4.00n/a4
Apr ’26US$1.47
US$5.75
+291.16%
18.95%US$7.00US$4.00n/a4
Mar ’26US$1.53
US$5.75
+275.82%
18.95%US$7.00US$4.00n/a4
Feb ’26US$1.88
US$5.75
+205.85%
18.95%US$7.00US$4.00US$1.404
Jan ’26US$1.46
US$6.25
+328.08%
28.57%US$9.00US$4.00US$1.364
Dec ’25US$1.51
US$6.25
+313.91%
28.57%US$9.00US$4.00US$1.434
Nov ’25US$1.34
US$6.25
+368.16%
28.57%US$9.00US$4.00US$1.474
Oct ’25US$1.33
US$6.25
+369.92%
28.57%US$9.00US$4.00US$1.374
Sep ’25US$1.50
US$6.25
+316.67%
28.57%US$9.00US$4.00US$1.484
Aug ’25US$1.58
US$7.13
+350.95%
45.04%US$12.50US$4.00US$1.684
Jul ’25US$1.54
US$7.13
+362.66%
45.04%US$12.50US$4.00US$1.584
Jun ’25US$1.58
US$7.50
+374.68%
48.38%US$12.50US$4.00US$1.413
May ’25US$1.47
US$7.50
+410.20%
48.38%US$12.50US$4.00US$1.643
Apr ’25US$1.65
US$7.50
+354.55%
48.38%US$12.50US$4.00US$1.473
Mar ’25US$1.77
US$7.33
+314.31%
51.73%US$12.50US$3.50US$1.533
Feb ’25US$1.71
US$7.33
+328.85%
51.73%US$12.50US$3.50US$1.883
US$5.13
Fair Value
74.2% undervalued intrinsic discount
4
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/02/11 13:03
End of Day Share Price 2026/02/11 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