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Upturn AI SWOT - About
USIO 
Usio Inc (USIO)
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Upturn Advisory Summary
06/30/2025: USIO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $5.75
1 Year Target Price $5.75
| 2 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -58.75% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 38.45M USD | Price to earnings Ratio 12.08 | 1Y Target Price 5.75 |
Price to earnings Ratio 12.08 | 1Y Target Price 5.75 | ||
Volume (30-day avg) 5 | Beta 1.49 | 52 Weeks Range 1.24 - 2.92 | Updated Date 06/30/2025 |
52 Weeks Range 1.24 - 2.92 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.96% | Operating Margin (TTM) -1.09% |
Management Effectiveness
Return on Assets (TTM) -0.86% | Return on Equity (TTM) 19.38% |
Valuation
Trailing PE 12.08 | Forward PE 36.36 | Enterprise Value 33529917 | Price to Sales(TTM) 0.46 |
Enterprise Value 33529917 | Price to Sales(TTM) 0.46 | ||
Enterprise Value to Revenue 0.4 | Enterprise Value to EBITDA 11.48 | Shares Outstanding 26514400 | Shares Floating 21795292 |
Shares Outstanding 26514400 | Shares Floating 21795292 | ||
Percent Insiders 18.14 | Percent Institutions 27 |
Analyst Ratings
Rating 3 | Target Price 5.75 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold - | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Usio Inc
Company Overview
History and Background
Usio, Inc., formerly known as Payment Data Systems, Inc., was founded in 1998. It has evolved from a payment processing company to a fintech provider specializing in integrated electronic payment solutions.
Core Business Areas
- Payments Solutions: Provides a suite of payment solutions including credit, debit, and ACH processing, prepaid card management, and mobile payment services.
- Prepaid Card Solutions: Offers prepaid card programs for various industries, including payroll, rewards, and government disbursements.
- ACH Processing: Provides ACH processing services enabling businesses to process electronic payments and transfers.
Leadership and Structure
Louis Hoch is the CEO and Chairman of the Board. The company has a typical corporate structure with various departments including sales, marketing, operations, and finance.
Top Products and Market Share
Key Offerings
- ACH Processing Services: Facilitates electronic fund transfers between bank accounts. Market share information is not readily available; competitors include Fiserv and Global Payments. Revenue is a significant portion of the Payments Solution business. The total market of ACH processing is dominated by very large players.
- Prepaid Card Solutions: Offers prepaid card programs to businesses. The total prepaid market is large, but USIO's share is smaller. Competitors include Blackhawk Network and InComm. They focus on niche use cases within the prepaid market. Market share data is not publicly available with specifics to USIO.
- Payment Facilitation: Allows businesses to accept various payment methods from customers. Key competitors are Square, Stripe, and PayPal. Revenue and market share are not publicly broken out specifically for USIO's payment facilitation services within its Payments Solutions Segment.
Market Dynamics
Industry Overview
The fintech industry is rapidly evolving, driven by technological advancements and changing consumer preferences. Increased competition and regulatory scrutiny are key challenges.
Positioning
Usio Inc. operates as a niche player within the fintech landscape, focusing on integrated payment solutions, prepaid cards, and ACH processing. Its competitive advantage lies in its tailored solutions and strong customer relationships.
Total Addressable Market (TAM)
The global payments market is estimated to be in the trillions of dollars annually. Usio Inc is positioned to capture a small but growing portion of this market through its specialized offerings.
Upturn SWOT Analysis
Strengths
- Integrated payment solutions
- Strong customer relationships
- Experienced management team
- Niche market focus
Weaknesses
- Smaller scale compared to larger competitors
- Limited brand recognition
- Dependence on key customers
- Profitability fluctuates
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Partnerships with larger institutions
- Increased demand for digital payment solutions
Threats
- Intense competition
- Regulatory changes
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Global Payments (GPN)
- Fiserv (FI)
Competitive Landscape
Usio Inc. faces significant competition from larger, more established players. To compete effectively, Usio must focus on innovation, customer service, and strategic partnerships.
Major Acquisitions
FSV Payment Systems
- Year: 2018
- Acquisition Price (USD millions): 18
- Strategic Rationale: Expanded Usio's prepaid card capabilities and customer base. This allowed for revenue expansion in their prepaid card segment.
Growth Trajectory and Initiatives
Historical Growth: Usio Inc. has experienced moderate growth through acquisitions and organic expansion of its payment solutions.
Future Projections: Analyst estimates suggest continued growth in revenue and profitability, driven by increasing adoption of digital payments and strategic initiatives. Analyst estimates are variable and should be viewed with proper judgement and risk assessment.
Recent Initiatives: Recent strategic initiatives include new partnerships, product development, and market expansion efforts.
Summary
Usio Inc. is a niche fintech player focused on integrated payment solutions. While it has a strong management team and tailored solutions, it faces challenges due to its smaller size and competition from larger firms. Recent initiatives show promise, but continued growth depends on strategic execution and market conditions. They need to monitor growth, profitability, and balance sheets closely.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Usio Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Reports
- Analyst Reports (where available)
- Company Website
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share data is estimated and may not be precise. Investing in the stock market involves risks, and past performance is not indicative of future results.
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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