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USIO Stock Chart & Stats
$2.91
-$0.03(-1.55%)
At close: 4:00 PM EDT
$2.91
-$0.03(-1.55%)
Day’s Range― - ―
52-Week Range$1.03 - $3.20
Previous CloseN/A
Volume7.29K
Average Volume (3M)220.22K
Market Cap
$81.21M
Enterprise Value$67.22M
Total Cash (Recent Filing)$6.39M
Total Debt (Recent Filing)$3.70M
Price to Earnings (P/E)―
Beta0.47
Next Earnings
Nov 11, 2026EPS Estimate
0.01Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-0.06
Shares Outstanding28,495,415
10 Day Avg. Volume145,750
30 Day Avg. Volume220,215
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)2.04
Price to Sales (P/S)0.43
P/FCF Ratio33.95
Enterprise Value/Market Cap0.83
Enterprise Value/Revenue0.73
Enterprise Value/Gross Profit3.30
Enterprise Value/Ebitda85.40
Forecast
1Y Price Target
$5.00Price Target Upside71.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.02
Revenue Forecast (FY)$97.83M
Bulls Say, Bears Say
Bulls Say
Revenue Growth And GuidanceAccelerating revenue growth and a higher full-year outlook indicate stronger customer activity across Usio's payment businesses. If sustained, this expanding volume can improve operating leverage, support investment in new products, and strengthen the company's competitive position over the next several quarters.
Improving ProfitabilityThe move to positive GAAP earnings alongside substantially higher adjusted EBITDA suggests that revenue growth is beginning to translate into operating leverage. Continued cost discipline and improved pricing could make profitability more durable, although the company still needs consistent execution across future quarters.
Low Financial LeverageA conservative funding profile gives Usio greater flexibility to invest in payment infrastructure and product development without carrying heavy debt-service demands. Low leverage also provides more resilience if payment volumes weaken, while preserving capacity to pursue growth initiatives as operating results improve.
Bears Say
Unproven Durable Profitability And Cash ConversionDespite recent quarterly improvement, the trailing period still shows losses and negative free cash flow, indicating that earnings and cash conversion are not yet consistently durable. Continued investment needs or weaker payment volumes could delay sustained profitability and limit internally funded growth.
Card Issuing WeaknessWeak card-issuing activity creates a persistent drag within an important payment channel and may constrain revenue growth if customers do not increase usage. The mismatch between stronger purchase volume and softer loads or transactions suggests that recovery in this product remains incomplete.
PayFac Revenue ConcentrationHeavy reliance on PayFac within the Card segment concentrates performance around one product area and its customer and volume trends. Although PayFac is growing rapidly, a slowdown or disruption in that channel would have an outsized effect on Card revenue and the broader growth profile.
Usio News
USIO FAQ
What was Usio Inc’s price range in the past 12 months?
Usio Inc lowest stock price was $1.03 and its highest was $3.20 in the past 12 months.
What is Usio Inc’s market cap?
Usio Inc’s market cap is $81.21M.
When is Usio Inc’s upcoming earnings report date?
Usio Inc’s upcoming earnings report date is Nov 11, 2026 which is in 20 days.
How were Usio Inc’s earnings last quarter?
Usio Inc released its earnings results on Aug 12, 2026. The company reported $0.01 earnings per share for the quarter, beating the consensus estimate of -$0.002 by $0.012.
Is Usio Inc overvalued?
According to Wall Street analysts Usio Inc’s price is currently Undervalued.
Does Usio Inc pay dividends?
Usio Inc does not currently pay dividends.
What is Usio Inc’s EPS estimate?
Usio Inc’s EPS estimate is 0.01.
How many shares outstanding does Usio Inc have?
Usio Inc has 28,495,415 shares outstanding.
What happened to Usio Inc’s price movement after its last earnings report?
Usio Inc reported an EPS of $0.01 in its last earnings report, beating expectations of -$0.002. Following the earnings report the stock price went up 8.824%.
Which hedge fund is a major shareholder of Usio Inc?
Currently, no hedge funds are holding shares in USIO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Usio Stock Smart Score
Neutral
1
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5
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$5.00 (71.82% Upside)
$5.00 (71.82% Upside)
Blogger Sentiment
Bullish
USIO Sentiment 100%
Sector Average 65%
Sector Average 65%
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 6.0%
Last 30 Days ▲ 6.0%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
125.53%
12-Months-Change
Fundamentals
Return on Equity
-8.20%
Trailing 12-Months
Asset Growth
14.25%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Usio Inc
Usio, Inc. 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, credit, prepaid card, and debit card-based processing services. It also provides a proprietary platform for businesses to handle e-checks and card payments, and an interactive voice response telephone system for companies to accept payments over the telephone. Additionally, the company offers prepaid and incentive card issuance services, a payment facilitation platform, and electronic bill presentment and printing services.
USIO Company Deck
USIO Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was overall positive: strong top-line growth (Q2 revenue +19%), record payment and transaction volumes (+27%), notable segment-level outperformance (Card +28%, PayFac +43%, ACH revenue +21%, Output +22%), improved profitability (adjusted EBITDA doubling YoY and second consecutive GAAP net income quarter) and an upward revision to full-year revenue guidance. The primary negatives are timing-related cash/operating-cash-flow dynamics, remaining headwinds in card issuing (flat card loads, slightly lower transactions), concentration of Card revenue in PayFac (>75%), and execution/timing risk related to the rollout of Usio Ion and large new vertical programs. Overall, the positives materially outweigh the lowlights.View all USIO earnings summariesUSIO Stock 12 Month Forecast
Average Price Target
$5.00
▲(71.82% Upside)
Technical Analysis
Ownership Overview
29.38% Insiders
8.11% Mutual Funds
1.17% Other Institutional Investors
57.64% Public Companies and
Individual Investors