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USIO 1-star rating from Upturn Advisory
Usio Inc (USIO) company logo

Usio Inc (USIO)

Usio Inc (USIO) 1-star rating from Upturn Advisory
$1.47
Last Close (24-hour delay)
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PASS
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Upturn Stock price based on last close icon Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

12/12/2025: USIO (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

Upturn 1 star rating for performance

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

2 star rating from financial analysts

5 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $5.12

1 Year Target Price $5.12

Analysts Price Target For last 52 week
$5.12 Target price
52w Low $1.24
Current$1.47
52w High $2.92

Analysis of Past Performance

Type Stock
Historic Profit -62.83%
Avg. Invested days 23
Today’s Advisory PASS
Upturn Star Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 1.0
Stock Returns Performance Upturn Returns Performance icon 1.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 12/12/2025

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
Full time employees 107

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.