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USIO logo USIO
Upturn stock ratingUpturn stock rating
USIO logo

Usio Inc (USIO)

Upturn stock ratingUpturn stock rating
$1.57
Last Close (24-hour delay)
Profit since last BUY-9.88%
upturn advisory
SELL
SELL since 4 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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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!

Upturn Star Rating

rating

Not Recommended Performance

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

Number of Analysts

rating

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$1.57
52w High $2.92

Analysis of Past Performance

Type Stock
Historic Profit -62.83%
Avg. Invested days 23
Today’s Advisory SELL
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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

ai summary icon Upturn AI SWOT

Usio Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
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.