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USIO
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USIOUsio, Inc.
$2.96$82M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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USIO logo

Usio, Inc.

USIO
NASDAQ · Payment Processors & Networks
$2.96
At close - Nov 6, 4:00 PM EST - USD
Market Cap$82M
P/E-54.6x
52W High$3.29
Volume89.8K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Persistent Operating Deficits Challenge Scalable Growth Trajectory

Usio faces a challenging path to profitability as its integrated payment and document services struggle to overcome structural margin constraints, evidenced by operating margins that remained negative in eight of the last ten quarters.

GrowthMixed
ProfitabilityNegative
ValuationExpensive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

USIO price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

4/12 Beats

EPS beat 4 of last 12 quarters

02

Valuation risk

-352% Peers

P/E is 352% below peer median

03

Market leadership

RS 97 · Leader

High momentum (Outperforming 97% of market)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystConfirmed earnings · Nov 10

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
USIO+114.49%
S&P 500 (^GSPC)+7.63%
1-Year Return
USIO+96.03%
S&P 500 (^GSPC)+9.69%
3-Year Return
USIO+56.61%
S&P 500 (^GSPC)+70.44%
5-Year Return
USIO-50.75%
S&P 500 (^GSPC)+58.07%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-54.6x
Forward P/E
N/A
EV/EBITDA100th %ile
207.2x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-54.6x
12.2x
0th· Low
EV/EBITDA
207.2x
44.2x
100th· High
Price/FCF
N/A
20.6x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$85M+3.0% YoY
Net income FY25
-$3M-176.0% YoY
Free cash flow FY25
$1M-43.4% YoY
Operating margin FY25
-2.8%-1.0 pts YoY
ROIC (FY25)-12.1%
Avg ROIC 5Y-12.9%
ROE (TTM)-8.2%
Piotroski Score3 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate4/12 (36%)
Revenue Beat Rate4/12 (33%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 12, 2026
$0.01+500.0%
vs -$0.00
$24M+0.0%
vs $24M
Q2 2026
May 13, 2026
$0.00+144.0%
vs -$0.01
$25M+9.8%
vs $23M
Q2 2026
Mar 18, 2026
-$0.05-600.0%
vs $0.01
$22M-3.7%
vs $23M
Q4 2025
Nov 12, 2025
-$0.02-300.0%
vs $0.01
$21M-8.2%
vs $23M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Defense World·5d ago
Financial Review: Lesaka Technologies (NASDAQ:LSAK) & Usio (NASDAQ:USIO)

Usio (NASDAQ: USIO - Get Free Report) and Lesaka Technologies (NASDAQ: LSAK - Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, risk, profitability, dividends and earnings. Insider and Institutional Ownership 20.2% of Usio shares

GlobeNewsWire·6d ago
Usio Announces Third Quarter Fiscal Year 2026 Results Conference Call and Company Update on November 10, 2026

SAN ANTONIO, Nov. 02, 2026 (GLOBE NEWSWIRE) -- Usio, Inc., (Nasdaq:USIO), a leading provider of integrated, cloud-based electronic payment and embedded financial solutions, today announced plans to release its third quarter of fiscal 2026 financial results after the market closes on Tuesday, November 10, 2026.

MarketBeat·Oct 29, 2026
Usio Conference Highlights ACH Growth, Banking Platform and Utility Payments Opportunity

Usio NASDAQ: USIO outlined growth across its payment processing, ACH, card issuing and print-and-mail operations, while highlighting new opportunities in business banking, education disbursements and utility payments.

MarketBeat·Oct 22, 2026
Usio Sees ACH Records, Education Payments and Ion Platform Fueling Profit Growth

Usio NASDAQ: USIO executives outlined growth across its payment-processing businesses, highlighted new opportunities in education and government payments, and pointed to operating leverage and its Usio Ion platform as potential drivers of profitability.

Filtered for Usio, Inc.More Headlines
04

Compare before deciding

Benchmark USIO against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Usio, Inc. (USIO)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
USIO logoUSIOUsio, Inc.Current
$2.96$81.68M-54.612.97%-1.63%-8.2%—
PRTH logoPRTHPriority Technology Holdings, Inc.
$7.88$648.96M16.288.33%3.97%——
RPAY logoRPAYRepay Holdings Corporation
$4.40$387.58M-2.19-1.21%-49.57%-32.69%—
EVTC logoEVTCEVERTEC, Inc.
$33.55$2.07B21.4310.21%9%12.9%0.59%
FLYW logoFLYWFlywire Corp
$21.57$2.62B35.4426.59%10.34%9.25%—
FOUR logoFOURShift4 Payments, Inc.
$43.96$3.04B34.3825.5%2.03%5.67%0.77%

Compare USIO vs Peers

Usio, Inc. (USIO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRTH

Most directly comparable listed peer for USIO.

Scale Benchmark

vs V

Larger-name benchmark to compare USIO against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRTH, RPAY, EVTC, FLYW

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

USIO SEC Filings & Documents

Usio, Inc. (USIO) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 12, 2026·SEC

Material company update

Jun 17, 2026·SEC

Material company update

Jun 10, 2026·SEC

10-K Annual Reports

4
FY 2026

Mar 18, 2026·SEC

FY 2025

Mar 26, 2025·SEC

FY 2024

Mar 27, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 12, 2026·SEC

FY 2026

May 13, 2026·SEC

FY 2025

Nov 12, 2025·SEC

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USIO Frequently Asked Questions

Usio, Inc. (USIO) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Usio, Inc.'s revenue?

Usio, Inc. (USIO) reported $92.6M in revenue over the trailing twelve months. Revenue was $85.4M in fiscal year 2025. That is 153934% more than the $0.1M of fiscal year 1999.

How fast is Usio, Inc. growing?

Usio, Inc. (USIO) grew revenue by 10.4% over the trailing twelve months, compared with the twelve months before.

Is USIO profitable?

No. Usio, Inc. (USIO) reported a net loss of $1.5M over the trailing twelve months.

Dividend & Returns
What is USIO's return on equity?

Usio, Inc. (USIO) had a return on equity (ROE) of -8.2% over the trailing twelve months. A negative ROE means the company lost money over the period.

What is Usio, Inc.'s free cash flow?

Usio, Inc. (USIO) had negative free cash flow of $1.3M over the trailing twelve months.

What if you invested $1,000 in USIO back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

See returns →