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Usio Inc (USIO)



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Upturn Advisory Summary
08/14/2025: USIO (1-star) is a SELL. SELL since 4 days. Profits (-9.88%). Updated daily EoD!
1 Year Target Price $5.12
1 Year Target Price $5.12
2 | Strong Buy |
2 | Buy |
0 | Hold |
1 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -62.83% | Avg. Invested days 23 | Today’s Advisory SELL |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 41.60M USD | Price to earnings Ratio 14.27 | 1Y Target Price 5.12 |
Price to earnings Ratio 14.27 | 1Y Target Price 5.12 | ||
Volume (30-day avg) 5 | Beta 1.44 | 52 Weeks Range 1.24 - 2.92 | Updated Date 08/15/2025 |
52 Weeks Range 1.24 - 2.92 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-06 | When - | Estimate 0.01 | Actual -0.01 |
Profitability
Profit Margin 3.43% | Operating Margin (TTM) -1.99% |
Management Effectiveness
Return on Assets (TTM) -0.93% | Return on Equity (TTM) 16.71% |
Valuation
Trailing PE 14.27 | Forward PE 217.39 | Enterprise Value 37575295 | Price to Sales(TTM) 0.5 |
Enterprise Value 37575295 | Price to Sales(TTM) 0.5 | ||
Enterprise Value to Revenue 0.45 | Enterprise Value to EBITDA 15.71 | Shares Outstanding 26495800 | Shares Floating 21685208 |
Shares Outstanding 26495800 | Shares Floating 21685208 | ||
Percent Insiders 18.16 | Percent Institutions 25.5 |
Upturn AI SWOT
Usio Inc

Company Overview
History and Background
Usio, Inc., formerly known as Payment Data Systems, Inc., was founded in 1998. It provides payment solutions to merchants, billers, and card issuers. Over the years, it has expanded its offerings through acquisitions and organic growth, focusing on integrated payment processing and prepaid card solutions.
Core Business Areas
- Payment Processing: Provides merchant acquiring services, including credit, debit, and ACH payment processing.
- Prepaid Card Services: Offers prepaid card programs for various applications, including payroll, incentive, and disbursement cards.
- ACH Processing: Automated Clearing House (ACH) processing services for electronic fund transfers.
- Output Solutions: Provides comprehensive solutions for print, mail, and electronic document delivery.
Leadership and Structure
Louis Hoch is the Chairman and CEO. The organizational structure includes departments for sales, marketing, technology, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Payment Facilitation: Enables businesses to accept online and in-person payments through various methods. Market share data is difficult to pinpoint exactly but overall the payments processing market is dominated by large players, while Usio focuses on specific verticals and integrated solutions. Competitors include FIS, Global Payments, Adyen, and Stripe. Revenue from this product is not broken out specifically, but it is a key component of the company's overall revenue.
- Prepaid Cards: Provides prepaid card solutions for payroll, incentives, and other uses. The prepaid card market is competitive, with Usio serving specific niches. Competitors include Blackhawk Network and Green Dot. Revenue from this product is not broken out specifically, but it is a key component of the company's overall revenue.
- ACH Processing: ACH (Automated Clearing House) Payment Services that are efficient, electronic transfer options. Competitors include Jack Henry & Associates, and Fidelity National Information Services. Revenue from this product is not broken out specifically, but it is a key component of the company's overall revenue.
Market Dynamics
Industry Overview
The payment processing industry is experiencing growth due to the increasing adoption of digital payments and e-commerce. The prepaid card market is also expanding, driven by demand for alternative payment methods and financial inclusion. The ACH processing market is steadily growing with increased use in business payments.
Positioning
Usio Inc. focuses on providing integrated payment solutions, often targeting specific industries or niches. It differentiates itself through customer service and specialized solutions.
Total Addressable Market (TAM)
The total addressable market is estimated to be worth hundreds of billions of dollars globally. Usio is positioned to capture a small fraction of this, focusing on specialized markets and integrated solutions.
Upturn SWOT Analysis
Strengths
- Integrated Payment Solutions
- Strong Customer Service
- Established Relationships with Financial Institutions
- Focus on niche markets
Weaknesses
- Smaller Market Share compared to larger competitors
- Dependence on Key Partnerships
- Limited Brand Recognition
- Profitability
Opportunities
- Expanding into New Verticals
- Increased Adoption of Digital Payments
- Growing Prepaid Card Market
- Strategic Acquisitions
Threats
- Intense Competition
- Changing Regulatory Landscape
- Technological Disruptions
- Economic Downturns
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Global Payments (GPN)
- Adyen (ADYEN.AS)
- Block (SQ)
Competitive Landscape
Usio Inc. faces intense competition from larger, more established players. It competes by offering specialized solutions and focusing on customer service.
Major Acquisitions
Transcard Payments
- Year: 2021
- Acquisition Price (USD millions): 10
- Strategic Rationale: This acquisition expanded Usio's ACH processing capabilities and customer base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been inconsistent, with periods of expansion and contraction.
Future Projections: Future projections vary depending on analyst estimates. These should be verified from recent reports from research firms.
Recent Initiatives: Recent initiatives include new product launches, strategic partnerships, and efforts to expand into new markets.
Summary
Usio Inc. is a smaller player in the competitive payment processing and prepaid card markets, focused on niche markets and integrated solutions. Its strengths lie in its customer service and specialized offerings. However, its smaller market share and profitability issues pose challenges. Future growth depends on its ability to capitalize on new opportunities and navigate the evolving regulatory landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market research reports
- Earnings call transcripts
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market data is subject to change and may not be entirely accurate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Usio Inc
Exchange NASDAQ | Headquaters San Antonio, TX, United States | ||
IPO Launch date 2001-01-02 | Co-Founder, Chairman, President, CEO & COO Mr. Louis A. Hoch | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 107 | Website https://usio.com |
Full time employees 107 | Website https://usio.com |
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 for fund transfers; 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, and Discover supported by online and physical terminal access. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Further, the company offers prepaid and incentive card issuance services; and operates a payment facilitation 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.

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