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Usio Inc (USIO)

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Upturn Advisory Summary
12/12/2025: USIO (1-star) is currently NOT-A-BUY. Pass it for now.
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 PASS |
Upturn Star Rating ![]() | Upturn Advisory Performance | Stock Returns Performance |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 40.14M USD | Price to earnings Ratio - | 1Y Target Price 5.12 |
Price to earnings Ratio - | 1Y Target Price 5.12 | ||
Volume (30-day avg) 5 | Beta 1.42 | 52 Weeks Range 1.24 - 2.92 | Updated Date 12/14/2025 |
52 Weeks Range 1.24 - 2.92 | Updated Date 12/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -0.46% | Operating Margin (TTM) -2.19% |
Management Effectiveness
Return on Assets (TTM) -1% | Return on Equity (TTM) -2.06% |
Valuation
Trailing PE - | Forward PE 23.31 | Enterprise Value 35915584 | Price to Sales(TTM) 0.48 |
Enterprise Value 35915584 | Price to Sales(TTM) 0.48 | ||
Enterprise Value to Revenue 0.43 | Enterprise Value to EBITDA 16.65 | Shares Outstanding 27307839 | Shares Floating 22047530 |
Shares Outstanding 27307839 | Shares Floating 22047530 | ||
Percent Insiders 19.26 | Percent Institutions 26 |
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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