Usio (USIO) Stock Price, News & Analysis

Company Overview

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. Further, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.

Key Stats

• Today's Range: $1.55 to $1.65
• 50-Day Range: $1.27 to $1.81
• 52-Week Range: $1.24 to $2.92
• Volume: 53,898 shs
• Average Volume: 127,497 shs
• Market Capitalization: $43.48 million
• P/E Ratio: 18.22
• Dividend Yield: N/A
• Price Target: $5.00
• Consensus Rating: Buy

Usio Stock Analysis - MarketRank™

Usio scored higher than 74% of companies evaluated by MarketBeat, and ranked 151st out of 321 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Usio has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Usio has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for Usio are expected to grow in the coming year, from ($0.03) to $0.14 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Usio is 18.22, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of Usio is 18.22, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 30.88.

Price to Book Value per Share Ratio

Usio has a P/B Ratio of 2.88. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.14% of the float of Usio has been sold short.

Short Interest Ratio / Days to Cover

Usio has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Usio has recently decreased by 69.63%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Usio does not currently pay a dividend.

Dividend Growth

Usio does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.14% of the float of Usio has been sold short.

Short Interest Ratio / Days to Cover

Usio has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Usio has recently decreased by 69.63%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.5 / 5
• News Sentiment: 1.22

News Sentiment

Usio has a news sentiment score of 1.22. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.91 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Usio this week, compared to 1 article on an average week.

MarketBeat Follows

1 people have added Usio to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Usio insiders have not sold or bought any company stock.

Percentage Held by Insiders

20.00% of the stock of Usio is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 20.23% of the stock of Usio is held by institutions.

USIO Stock Analysis - Frequently Asked Questions

How have USIO shares performed this year?

Usio's stock was trading at $1.46 on January 1st, 2025. Since then, USIO shares have increased by 12.3% and is now trading at $1.64.
View the best growth stocks for 2025 here.

How were Usio's earnings last quarter?

Usio, Inc. (NASDAQ:USIO) posted its quarterly earnings data on Wednesday, March, 26th. The company reported $0.02 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.01 by $0.01. The firm had revenue of $20.56 million for the quarter, compared to analyst estimates of $21.10 million. Usio had a net margin of 3.33% and a negative trailing twelve-month return on equity of 2.98%.
Read the conference call transcript.

Who are Usio's major shareholders?

Top institutional shareholders of Usio include Ritholtz Wealth Management (0.09%). Insiders that own company stock include Topline Capital Management, Ll, Topline Capital Partners, Lp and Houston Korth Frost.
View institutional ownership trends.

How do I buy shares of Usio?

Shares of USIO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Usio own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Usio investors own include NVIDIA (NVDA), Broadcom (AVGO), Arista Networks (ANET), Jabil (JBL), Meta Platforms (META), e.l.f. Beauty (ELF) and Adobe (ADBE).

Company Calendar

• Last Earnings: 3/26/2025
• Today: 4/28/2025
• Next Earnings (Estimated): 5/14/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Functions related to depository banking
• Sub-Industry: Banking
• Current Symbol: NASDAQ:USIO
• CIK: 1088034
• Web: www.usio.com
• Phone: (210) 249-4100
• Fax: 210-249-4130
• Employees: 110
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $5.00
• High Stock Price Target: $6.00
• Low Stock Price Target: $4.00
• Potential Upside/Downside: +204.9%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $0.11
• Trailing P/E Ratio: 18.22
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $-470,000.00
• Net Margins: 3.33%
• Pretax Margin: -0.25%
• Return on Equity: -2.98%
• Return on Assets: -0.45%

Debt

• Debt-to-Equity Ratio: 0.03
• Current Ratio: 1.10
• Quick Ratio: 1.10

Sales & Book Value

• Annual Sales: $82.93 million
• Price / Sales: 0.52
• Cash Flow: $0.06 per share
• Price / Cash Flow: 28.81
• Book Value: $0.57 per share
• Price / Book: 2.88

Miscellaneous

• Outstanding Shares: 26,514,000
• Free Float: 21,704,000
• Market Cap: $43.48 million
• Optionable: Optionable
• Beta: 1.75