Usio, Inc. (USIO) P/E Ratio History
Deep ValueTrading at -19.2x · 0th percentile of 5-year range · Significant discount to historical valuation · Data 2003–2025
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P/E Ratio Analysis
As of June 22, 2026, Usio, Inc. (USIO) trades at a price-to-earnings ratio of -19.2x, with a stock price of $1.79 and trailing twelve-month earnings per share of $-0.08.
The current P/E is 193% below its 5-year average of 20.6x. Over the past five years, USIO's P/E has ranged from a low of 2.7x to a high of 94.4x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Technology sector median P/E of 28.3x, USIO trades at a 168% discount to its sector peers. The sector includes 353 companies with P/E ratios ranging from 0.0x to 189.7x.
Relative to the broader market, USIO trades at a notable discount to the S&P 500 median P/E of 24.3x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our USIO DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
USIO Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
USIO P/E vs Peers
Payments Processing and Fintech Services peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $582M | 10.4Lowest | - | +319% | |
| $2B | 11.5 | 1.30Best | +27% | |
| $2B | 140.3 | - | +391%Best | |
| $3B | 35.7 | - | -64% | |
| $440M | 35.5 | - | -88% | |
| $637M | 18.9 | 2.21 | +88% | |
| $627B | 32.0 | 2.03 | +5% | |
| $429B | 29.3 | 1.41 | +19% | |
| $19B | 50.3 | 2.09 | -47% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
USIO Historical P/E Data (2003–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q2 | Jun 30 2025 | $1.53 | $0.10 | 15.4x | -21% |
| FY2025 Q1 | Mar 31 2025 | $1.46 | $0.12 | 12.6x | -35% |
| FY2024 Q4 | - | $1.46 | $0.12 | 12.5x | -36% |
| FY2024 Q3 | Sep 30 2024 | $1.36 | $0.09 | 14.4x | -26% |
| FY2016 Q1 | - | $1.70 | $0.02 | 94.4x | +386% |
| FY2015 Q4 | - | $1.99 | $0.08 | 24.2x | +25% |
| FY2015 Q3 | Sep 30 2015 | $3.01 | $0.28 | 10.7x | -45% |
| FY2015 Q2 | - | $4.20 | $0.35 | 11.9x | -39% |
| FY2015 Q1 | - | $5.85 | $0.40 | 14.6x | -25% |
| FY2014 Q4 | Dec 31 2014 | $2.70 | $0.36 | 7.5x | -61% |
| FY2014 Q3 | - | $1.80 | $0.15 | 11.7x | -40% |
| FY2014 Q2 | Jun 30 2014 | $1.50 | $0.03 | 46.2x | +138% |
| FY2013 Q2 | Jun 30 2013 | $1.05 | $0.07 | 15.2x | -22% |
| FY2013 Q1 | Mar 31 2013 | $2.40 | $0.11 | 21.6x | +11% |
| FY2012 Q4 | Dec 31 2012 | $1.95 | $0.14 | 13.5x | -31% |
| FY2012 Q3 | Sep 30 2012 | $1.65 | $0.14 | 11.6x | -40% |
| FY2012 Q2 | Jun 30 2012 | $1.20 | $0.10 | 12.1x | -38% |
| FY2012 Q1 | Mar 31 2012 | $1.20 | $0.06 | 19.6x | +1% |
| FY2011 Q4 | Dec 31 2011 | $1.50 | $0.04 | 39.9x | +105% |
| FY2004 Q2 | Jun 30 2004 | $3.15 | $1.16 | 2.7x | -86% |
| FY2004 Q1 | Mar 31 2004 | $6.45 | $0.71 | 9.1x | -53% |
| FY2003 Q4 | Dec 31 2003 | $2.40 | $0.41 | 5.9x | -70% |
Average P/E for displayed period: 19.4x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
23+ years return with dividends reinvested.
DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
USIO — Frequently Asked Questions
Quick answers to the most common questions about buying USIO stock.
What is USIO's P/E ratio?
Usio, Inc. (USIO) trailing twelve-month P/E ratio is -19.2x, based on TTM diluted EPS of $-0.08. The 5-year average P/E is 20.6x and the historical range spans 2.7x to 94.4x.
Is USIO stock overvalued or undervalued?
USIO trades at -19.2x P/E, below its 5-year average of 20.6x. At the 0th percentile of its historical range (2.7x–94.4x), the stock is priced at a discount to its own history.
Is USIO stock expensive?
No, USIO is not expensive on a historical basis. The current P/E of -19.2x is below the 5-year average of 20.6x and sits at the 0th percentile of its valuation range.
What is USIO's historical P/E range?
Over the past 5 years, USIO's P/E ratio has ranged from 2.7x to 94.4x, with a median of 14.4x and an average of 20.6x. The current P/E of -19.2x places the stock at the 0th percentile of this range. Full historical data spans 2003–2025.
How does USIO's P/E compare to the S&P 500?
USIO trades at -19.2x P/E versus the S&P 500 median of 24.3x. The 179% discount to the market suggests lower growth expectations or perceived higher risk.
How does USIO's valuation compare to Technology peers?
Usio, Inc. P/E of -19.2x compares to the Technology sector median of 28.3x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is USIO's PEG ratio?
USIO PEG ratio is N/A, based on a P/E of -19.2x and EPS growth of -177.8%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is USIO's earnings yield?
USIO earnings yield is N/A, the inverse of its -19.2x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.