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USIO 
Usio Inc (USIO)
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Upturn Advisory Summary
01/09/2026: 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
Limited analyst coverage, niche firm, research info may be scarce.
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  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 37.68M 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 1.28 | 52 Weeks Range 1.24 - 2.74 | Updated Date 01/10/2026 |
52 Weeks Range 1.24 - 2.74 | Updated Date 01/10/2026 | ||
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 46.08 | Enterprise Value 33457878 | Price to Sales(TTM) 0.45 |
Enterprise Value 33457878 | Price to Sales(TTM) 0.45 | ||
Enterprise Value to Revenue 0.4 | Enterprise Value to EBITDA 15.51 | Shares Outstanding 27307839 | Shares Floating 19234276 |
Shares Outstanding 27307839 | Shares Floating 19234276 | ||
Percent Insiders 28.42 | Percent Institutions 26 |
Upturn AI SWOT
Usio Inc
Company Overview
History and Background
Usio Inc., formerly known as Pacer Digital Inc., was founded in 1998. It initially focused on providing digital solutions and services. Over the years, the company has evolved significantly, particularly through strategic acquisitions, to become a prominent player in the payment processing and financial technology sector. A key milestone was its rebranding to Usio Inc., reflecting its expanded scope and capabilities in providing integrated payment solutions.
Core Business Areas
- Payment Processing Solutions: Usio provides a comprehensive suite of payment processing services for businesses, including merchant services, card processing, ACH processing, and related technologies. They cater to a diverse range of industries and business sizes.
- Technology and Software Development: The company develops and offers proprietary technology and software platforms that support its payment processing services, ensuring efficiency, security, and scalability for its clients. This includes back-end processing, reporting tools, and integration capabilities.
- Financial Technology Services: Beyond core payment processing, Usio offers various FinTech solutions, which may include data analytics, risk management tools, and other value-added services to help businesses optimize their financial operations.
Leadership and Structure
Usio Inc. is led by a management team with expertise in finance, technology, and payment processing. The organizational structure is designed to support its integrated approach to payment solutions and its diverse client base.
Top Products and Market Share
Key Offerings
- Merchant Services: Usio offers a full spectrum of merchant services, enabling businesses to accept various forms of payment, including credit cards, debit cards, and mobile payments. They provide terminals, gateway services, and online payment solutions. Competitors include Square (SQ), Fiserv (FI), and Global Payments (GPN).
- ACH Processing: The company facilitates Automated Clearing House (ACH) payments, allowing businesses to process electronic fund transfers directly from bank accounts. This is a crucial service for recurring billing and business-to-business transactions. Competitors include Melio, Bill.com, and various bank-provided services.
- Payment Gateway Solutions: Usio provides secure and reliable payment gateways that connect merchants to payment networks, enabling real-time transaction authorization. These are essential for e-commerce and in-person transactions. Competitors include Authorize.net (a Visa solution), Stripe, and PayPal.
Market Dynamics
Industry Overview
The payment processing and FinTech industry is highly competitive and rapidly evolving, driven by technological advancements, changing consumer preferences, and increasing demand for seamless digital transactions. Key trends include the growth of e-commerce, mobile payments, real-time payments, and the integration of AI for fraud prevention and customer insights.
Positioning
Usio Inc. positions itself as a comprehensive payment solutions provider, emphasizing its integrated technology platform and ability to offer a wide range of services to businesses. Its competitive advantages may include its specialized technology, customer service, and flexibility in tailoring solutions to specific business needs.
Total Addressable Market (TAM)
The global payment processing market is valued in the hundreds of billions of dollars and is projected to continue growing significantly. Usio Inc. operates within this large and expanding TAM, focusing on specific segments where it can leverage its expertise and technology. Its positioning is as a specialized provider within this broad market.
Upturn SWOT Analysis
Strengths
- Integrated technology platform
- Diverse payment processing capabilities
- Experienced management team
- Strategic acquisitions to expand offerings
Weaknesses
- Smaller market share compared to industry giants
- Potential challenges in scaling rapidly
- Dependence on partnerships and third-party networks
- Brand recognition may be lower than established competitors
Opportunities
- Growing demand for digital payment solutions
- Expansion into new vertical markets
- Further development of value-added FinTech services
- Strategic partnerships and alliances
- Leveraging AI and machine learning for enhanced services
Threats
- Intense competition from established players and new entrants
- Evolving regulatory landscape and compliance requirements
- Cybersecurity risks and data breaches
- Economic downturns impacting business spending
- Rapid technological obsolescence
Competitors and Market Share
Key Competitors
- Fiserv Inc. (FI)
- Global Payments Inc. (GPN)
- Square Inc. (SQ)
- PayPal Holdings Inc. (PYPL)
- Stripe, Inc. (Private)
Competitive Landscape
Usio Inc. faces a highly competitive landscape dominated by large, well-established players with significant resources. Its advantages lie in its agility, integrated technology, and ability to provide tailored solutions. However, it must continually innovate and execute effectively to compete with the scale and market penetration of its larger rivals.
Major Acquisitions
Various Payment Processors and Technology Companies
- Year: Ongoing
- Acquisition Price (USD millions): Variable
- Strategic Rationale: To expand service offerings, acquire new technologies, increase customer base, and gain market share in fragmented segments of the payment processing industry.
Growth Trajectory and Initiatives
Historical Growth: Usio Inc.'s historical growth has likely been influenced by its strategic acquisitions and the expansion of its payment processing services. Analyzing its revenue and profit trends over recent years would provide insights into its growth trajectory.
Future Projections: Future growth projections for Usio Inc. would typically come from analyst reports and company guidance. These projections would likely be based on market trends in payment processing, expansion plans, and the success of its integrated solutions.
Recent Initiatives: Recent initiatives by Usio Inc. likely involve enhancing its technology platform, expanding its service offerings, and pursuing strategic partnerships or acquisitions to strengthen its market position and revenue streams.
Summary
Usio Inc. operates in the dynamic payment processing industry, offering integrated solutions. Its strengths lie in its technology and diverse services, while weaknesses include a smaller market share against giants. Opportunities abound with the growth of digital payments, but threats from intense competition and evolving regulations are significant. Continued strategic acquisitions and technological innovation are key to its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Usio Inc. official investor relations website
- SEC filings (10-K, 10-Q)
- Reputable financial news outlets
- Market research reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. The market share data is illustrative and may not reflect precise current market share. All figures and assessments are based on publicly available information and are subject to change.
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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