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USIOUsio, Inc.
$2.24$62M
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
Live BreakoutsStock ScreenerOwnership
USIO logo

Usio, Inc.

USIO
NASDAQ · IT Services
$2.24
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$62M
P/E-24.0x
52W High$3.06
Volume280.77K
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. While the company mainta...

GrowthMixed
ProfitabilityNegative
ValuationExpensive
TechnicalsMixed
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

-201% Peers

P/E is 201% below peer median

03

Market leadership

RS 92 · Leader

High momentum (Outperforming 92% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystConfirmed earnings · Nov 11

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
USIO+62.32%
S&P 500 (^GSPC)+12.39%
1-Year Return
USIO+54.48%
S&P 500 (^GSPC)+15.77%
3-Year Return
USIO+36.59%
S&P 500 (^GSPC)+74.06%
5-Year Return
USIO-64.05%
S&P 500 (^GSPC)+65.99%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-24.0x
Forward P/E
N/A
EV/EBITDA
N/A
FCF YieldCash Flow
1.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-24.0x
12.2x
0th· Low
EV/EBITDA
N/A
44.2x
N/A
Price/FCF
57.3x
20.6x
100th· High
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
$85M+3.0% YoY
Net income
-$3M-176.0% YoY
Free cash flow
$1M-43.4% YoY
Operating margin
-2.8%-1.0 pts YoY
ROIC (TTM)-12.1%
Avg ROIC 5Y-
ROE (TTM)-13.6%
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

5 Stories
GlobeNewsWire·Sep 9, 2026
Usio Appoints Linda Loof as Senior Vice President of Strategic Partnerships

Payments industry veteran to accelerate strategic relationships, expand the Company's bank and fintech ecosystem and support Usio's next phase of growth Payments industry veteran to accelerate strategic relationships, expand the Company's bank and fintech ecosystem and support Usio's next phase of growth

Zacks Investment Research·Sep 3, 2026
Why Fast-paced Mover Usio (USIO) Is a Great Choice for Value Investors

Usio (USIO) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices.

MarketBeat·Aug 20, 2026
Usio One Strategy Targets Growth Across Payments, Card Issuing and Document Delivery

Usio NASDAQ: USIO is positioning its payment, card issuing and document-delivery operations as an integrated platform designed to help customers manage multiple payment methods and communications through one provider, Chief Accounting Officer Michael White said during a fireside chat moderated by Lytham Partners Managing Partner Robert Blum.

Zacks Investment Research·Aug 18, 2026
Usio Inc (USIO) Is Up 18.97% in One Week: What You Should Know

Does Usio Inc (USIO) have what it takes to be a top stock pick for momentum investors? Let's find out.

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
$2.24$61.82M-24.012.97%-2.94%-13.55%—
PRTH logoPRTHPriority Technology Holdings, Inc.
$7.80$642.37M11.478.33%5.61%——
RPAY logoRPAYRepay Holdings Corporation
$3.80$334.73M-1.27-1.21%-49.57%-32.69%—
EVTC logoEVTCEVERTEC, Inc.
$27.57$1.7B12.5310.21%9.8%13.43%—
FLYW logoFLYWFlywire Corp
$16.86$2.05B153.2726.59%4.77%4.08%—
FOUR logoFOURShift4 Payments, Inc.
$38.46$2.66B35.6125.5%1.88%4.67%—

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 for fiscal year 2025. This represents a 166876% increase from $0.1M in 1999.

How fast is Usio, Inc. growing?

Usio, Inc. (USIO) grew revenue by 3.0% over the past year. Growth has been modest.

Is USIO profitable?

Usio, Inc. (USIO) reported a net loss of $1.5M for fiscal year 2025.

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

Usio, Inc. (USIO) has a return on equity (ROE) of -13.6%. Negative ROE indicates the company is unprofitable.

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

Usio, Inc. (USIO) had negative free cash flow of $1.3M in fiscal year 2025, likely due to heavy capital investments.

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

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

See returns →