Usio, Inc.

NasdaqGM:USIO Stock Report

Market Cap: US$35.0m

Usio Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair 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.

Below Fair Value: Insufficient data to calculate USIO's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate USIO's fair 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 profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for USIO. This is calculated by dividing USIO's market cap by their current earnings.
What is USIO's PE Ratio?
PE Ratio13.5x
EarningsUS$2.70m
Market CapUS$35.00m

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for USIO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average27.3x
PAYS Paysign
19.9x-17.6%US$156.9m
CASS Cass Information Systems
24.8x34.8%US$573.4m
CTLP Cantaloupe
53.9x52.1%US$679.5m
IMXI International Money Express
10.6x6.5%US$646.5m
USIO Usio
13.5x16.5%US$35.0m

Price-To-Earnings vs Peers: USIO is good value based on its Price-To-Earnings Ratio (13.5x) compared to the peer average (27.3x).

Price to Earnings Ratio vs Industry

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

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FOA Finance of America Companies
1.5x-136.3%US$566.25m
PMIR PMI Group
0.09xn/aUS$518.61k
ACGX Alliance Creative Group
1.3xn/aUS$281.69k
No more companies available in this PE range
USIO 13.5xIndustry Avg. 17.4xNo. of Companies12PE01224364860+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: USIO is good value based on its Price-To-Earnings Ratio (13.5x) compared to the US Diversified Financial industry average (17.4x).

Price to Earnings Ratio vs Fair Ratio

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

USIO PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13.5x
Fair PE Ratio10.5x

Price-To-Earnings vs Fair Ratio: USIO is expensive based on its Price-To-Earnings Ratio (13.5x) compared to the estimated Fair Price-To-Earnings Ratio (10.5x).

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$1.34
US$6.25
+366.4%
28.6%US$9.00US$4.00n/a4
Dec ’25US$1.51
US$6.25
+313.9%
28.6%US$9.00US$4.00n/a4
Nov ’25US$1.34
US$6.25
+368.2%
28.6%US$9.00US$4.00n/a4
Oct ’25US$1.33
US$6.25
+369.9%
28.6%US$9.00US$4.00n/a4
Sep ’25US$1.50
US$6.25
+316.7%
28.6%US$9.00US$4.00n/a4
Aug ’25US$1.58
US$7.13
+350.9%
45.0%US$12.50US$4.00n/a4
Jul ’25US$1.54
US$7.13
+362.7%
45.0%US$12.50US$4.00n/a4
Jun ’25US$1.58
US$7.50
+374.7%
48.4%US$12.50US$4.00n/a3
May ’25US$1.47
US$7.50
+410.2%
48.4%US$12.50US$4.00n/a3
Apr ’25US$1.65
US$7.50
+354.5%
48.4%US$12.50US$4.00n/a3
Mar ’25US$1.77
US$7.33
+314.3%
51.7%US$12.50US$3.50n/a3
Feb ’25US$1.71
US$7.33
+328.8%
51.7%US$12.50US$3.50n/a3
Jan ’25US$1.72
US$7.33
+326.4%
51.7%US$12.50US$3.50n/a3
Dec ’24US$1.72
US$7.33
+326.4%
51.7%US$12.50US$3.50US$1.513
Nov ’24US$2.06
US$7.33
+256.0%
51.7%US$12.50US$3.50US$1.343
Oct ’24US$1.75
US$7.33
+319.0%
51.7%US$12.50US$3.50US$1.333
Sep ’24US$1.69
US$7.33
+333.9%
51.7%US$12.50US$3.50US$1.503
Aug ’24US$1.70
US$7.33
+331.4%
51.7%US$12.50US$3.50US$1.583
Jul ’24US$1.86
US$7.33
+294.3%
51.7%US$12.50US$3.50US$1.543
Jun ’24US$1.99
US$7.33
+268.5%
51.7%US$12.50US$3.50US$1.583
May ’24US$1.82
US$8.75
+380.8%
42.9%US$12.50US$5.00US$1.472
Apr ’24US$1.74
US$8.75
+402.9%
42.9%US$12.50US$5.00US$1.652
Mar ’24US$1.83
US$7.00
+282.5%
50.8%US$12.00US$4.00US$1.773
Feb ’24US$2.01
US$7.25
+260.7%
42.9%US$12.00US$4.00US$1.714
Jan ’24US$1.65
US$7.25
+339.4%
42.9%US$12.00US$4.00US$1.724
Dec ’23US$2.35
US$7.25
+208.5%
42.9%US$12.00US$4.00US$1.724

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not 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 Analysis2024/12/20 01:46
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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 here.

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 .

Analyst Sources

Usio, Inc. is covered by 6 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