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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 - $3.06
Previous CloseN/A
Volume7.29K
Average Volume (3M)488.22K
Market Cap
$78.08M
Enterprise Value$67.22
Total Cash (Recent Filing)$6.39M
Total Debt (Recent Filing)$3.70M
Price to Earnings (P/E)―
Beta0.45
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. Volume267,660
30 Day Avg. Volume488,224
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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)$97.30M
Bulls Say, Bears Say
Bulls Say
Accelerating Revenue GrowthThe stronger quarterly growth rate and upgraded full-year outlook indicate improving customer adoption across Usio’s payment businesses. Sustained expansion in transaction-driven revenue can increase operating leverage, support reinvestment, and strengthen the company’s position over the next several quarters.
Improving ProfitabilityThe move to positive GAAP earnings alongside rising adjusted EBITDA suggests that recent revenue growth is beginning to translate into better financial performance. If maintained, this progression could improve earnings durability and reduce reliance on continued external funding for strategic investment.
Conservative Balance SheetLow and stable leverage gives Usio greater financial flexibility as it expands payment volumes and invests in Usio Ion. A manageable funding profile reduces debt-service pressure during execution periods and leaves more capacity to absorb volatility or support growth initiatives.
Bears Say
Inconsistent Profitability And Cash ConversionDespite recent quarterly improvement, the trailing period still reflects losses and negative free cash flow. This indicates that growth has not yet produced consistently durable earnings or cash generation, leaving results sensitive to cost control, investment needs, and the timing of operating cash flows.
PayFac ConcentrationHeavy reliance on PayFac concentrates Card-segment performance in one growth channel and makes results more exposed to changes in that product’s customer demand or economics. Concentration can also reduce resilience if PayFac growth slows, even while other payment products continue expanding.
Ion Execution And Launch RiskIon is expected to contribute meaningful growth and margin benefits, but those benefits depend on completing development, customer adoption, and a successful broader rollout. Delays or weaker-than-expected scaling could defer the anticipated operating leverage and reduce near-term progress toward durable profitability.
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 $3.06 in the past 12 months.
What is Usio Inc’s market cap?
Usio Inc’s market cap is $78.08M.
When is Usio Inc’s upcoming earnings report date?
Usio Inc’s upcoming earnings report date is Nov 11, 2026 which is in 61 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 60%
Sector Average 60%
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.8%
Last 30 Days ▲ 15.4%
Last 30 Days ▲ 15.4%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
72.48%
12-Months-Change
Fundamentals
Return on Equity
―
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
3.75% Other Institutional Investors
55.16% Public Companies and
Individual Investors