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USIO Overview

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0.000(0.000%)Aft-market
ET
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0.000
0.000(0.000%)
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ET
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Intellectia

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High
1.150
Open
1.119
VWAP
1.13
Vol
15.35K
Mkt Cap
31.35M
Low
1.119
Amount
17.39K
EV/EBITDA(TTM)
--
Total Shares
27.75M
EV
21.32M
EV/OCF(TTM)
14.08
P/S(TTM)
0.36
Usio, Inc. is a FinTech company that operates a full stack of integrated, cloud-based electronic payment and embedded financial solutions. The Company operates credit/debit and automated clearing house (ACH) payment processing platforms, as well as a card issuing platform to deliver convenient payment solutions and services to its clients. The Company, through its Usio Output Solutions division, offers services relating to electronic bill presentment, document composition, document decomposition and printing and mailing services. It provides payment acceptance through multiple payment methods, including payment facilitation, prepaid card and electronic billing products and services to businesses, merchants and consumers. Through its Prepaid Debit Card platform, it offers a variety of prepaid card products, such as reloadable, incentive, promotional and corporate card programs. It provides integrated electronic payment processing services to merchants and businesses.
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Events Timeline

(ET)
2026-03-18
18:30:00
US Stocks Drop on Iranian Energy Attacks and Inflation Data
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2026-03-18
16:20:00
Usio Q4 Revenue at $22.24M, Below Consensus
select
2026-03-18
16:20:00
Company Expects 10-12% Revenue Growth in 2026
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2026-01-21 (ET)
2026-01-21
09:20:00
Usio Reports Over $8.4 Billion in Payment Volume for 2025
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2025-11-25 (ET)
2025-11-25
09:03:15
Usio Completes All-Stock Acquisition of PostCredit
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2025-11-12 (ET)
2025-11-12
16:25:32
Usio announces Q3 earnings per share of 2 cents, surpassing consensus of 0 cents
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2025-11-04 (ET)
2025-11-04
09:13:20
Usio announces 16.2 million transactions handled in Q3
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2025-06-30 (ET)
2025-06-30
09:18:33
Usio enters into strategic partnership with Mortgage Automator
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News

Yahoo Finance
9.5
03-19Yahoo Finance
Usio Inc Reports 8% Revenue Growth in Q4
  • Revenue Growth Highlight: Usio Inc reported an 8% revenue increase in Q4 and a 3% increase for the year, with the ACH segment being the standout performer, growing over 30% for both the quarter and the full year, indicating strong momentum in the payment processing sector.
  • Transaction Processing Records: The company set records with a 19% increase in total dollars processed and a 30% increase in transactions, reflecting Usio's growing competitiveness and ability to attract more clients in the market.
  • Diversified Customer Base: Usio maintained a diversified customer base with no single client accounting for more than 10% of total revenue, a strategy that mitigates dependency risks and helps the company remain stable in uncertain market conditions.
  • Cautious Future Outlook: Despite achieving positive adjusted EBITDA for the third consecutive year, Usio's cautious guidance for 2026 reflects concerns over potential customer losses due to M&A activities, highlighting the company's vigilance towards future challenges.
seekingalpha
9.5
03-18seekingalpha
Usio, Inc. Reports Record Q4 2025 Earnings with Strong Growth Outlook
  • Significant Revenue Growth: Usio, Inc. achieved an 8% year-over-year revenue increase in Q4 2025, with a full-year growth of 3%, demonstrating strong performance in the payment solutions sector, particularly with ACH revenue growing over 30%, which lays a solid foundation for future market expansion.
  • Cash Flow and Buybacks: The company ended the year with nearly $7.5 million in cash and reported operating cash flow of $1.5 million, having repurchased over $1.1 million in shares over the past year, indicating ongoing efforts to enhance shareholder value while providing funding for future investments.
  • Strategic Initiatives Progress: The integration of the Usio ONE cross-selling initiative and the PostCredit acquisition is underway, with management projecting a revenue growth of 10% to 12% in 2026, and expressing confidence in the onboarding of new large clients, which will further enhance market share.
  • Sustained Profitability: The company reported positive adjusted EBITDA for the third consecutive year, with management expecting to maintain this trend in 2026, despite facing challenges such as the loss of a major reseller, the overall market outlook remains optimistic.
seekingalpha
9.5
03-18seekingalpha
Usio Q4 Earnings Miss Expectations Amid Revenue Growth
  • Earnings Performance: Usio reported a Q4 GAAP EPS of -$0.05, missing expectations by $0.05, indicating challenges in profitability that could affect investor confidence.
  • Revenue Growth: Despite an 8.2% year-over-year revenue increase to $22.24 million, the figure fell short of expectations by $0.82 million, reflecting intensified market competition and fluctuations in customer demand.
  • Future Outlook: The company anticipates strong revenue growth of 10% to 12% in 2026 while expecting continued positive Adjusted EBITDA, indicating management's optimistic view on future performance, though caution is warranted regarding potential economic downturns.
  • Stock Reaction: Usio's shares rose 3.31% in after-hours trading, reflecting market recognition of the company's future growth potential despite the current earnings miss.
Yahoo Finance
9.5
03-18Yahoo Finance
Usio, Inc. Reports 3% Revenue Growth and 19% Processing Volume Increase for Full Year
  • Significant Revenue Growth: Usio, Inc. reported total revenues of $85.4 million for 2025, a 3% increase from 2024, with ACH and complementary services revenue rising by 33%, indicating strong performance in the electronic payments market that is expected to drive sustained growth.
  • Increased Processing and Transaction Volumes: The total processing volume reached $8.4 billion in 2025, up 19%, with transaction volumes increasing by 30%, demonstrating the company's significant progress in expanding market share and enhancing customer satisfaction.
  • Adjusted EBITDA Performance: Although the adjusted EBITDA for 2025 was negative $205,877, it showed improvement compared to $517,084 in 2024, reflecting the company's efforts in cost control and operational optimization despite challenges from rising selling and administrative expenses.
  • Optimistic Future Outlook: The company anticipates a revenue growth of 10%-12% in 2026, based on strong market demand and ongoing product innovation, showcasing Usio's confidence in its future financial performance.
Newsfilter
9.5
03-04Newsfilter
Usio to Release Q4 and FY 2025 Financial Results on March 18, 2026
  • Earnings Release Schedule: Usio is set to announce its fourth quarter and fiscal year financial results for the year ending December 31, 2025, after market close on March 18, 2026, which is expected to significantly impact investor sentiment.
  • Conference Call Details: Management will host a conference call at 4:30 PM Eastern Time on the same day to review financial results and provide a business update, enhancing transparency and fostering investor relations.
  • Replay Service: A replay of the conference call will be available approximately one hour after its conclusion until April 18, 2026, ensuring that investors who cannot attend live can access critical information.
  • Upcoming Conference Participation: Usio is scheduled to participate in the 38th Annual Roth Conference and the 16th Annual LD Micro Invitational, further increasing the company's visibility and market recognition among investors.
NASDAQ.COM
8.5
2025-11-25NASDAQ.COM
Usio Acquires PostCredit in All-Stock Deal
  • Acquisition Announcement: Usio, Inc. has acquired PostCredit, Co. in an all-stock transaction to enhance its electronic payment processing services.

  • Integration Plans: The acquisition aims to integrate PostCredit's technology with Usio's existing payment infrastructure, including ACH, real-time payments, and card-issuing programs.

  • Comprehensive Solutions: The combined platform will offer a comprehensive business-banking and expense-management solution, serving as a central hub for corporate cards and accounts payable/receivable capabilities.

  • Author's Views: The opinions expressed in the article are those of the author and do not necessarily reflect the views of Nasdaq, Inc.

Wall Street analysts forecast USIO stock price to rise
3 Analyst Rating
Wall Street analysts forecast USIO stock price to rise
2 Buy
0 Hold
1 Sell
Moderate Buy
Current: 0.000
sliders
Low
4.00
Averages
4.50
High
5.00
Current: 0.000
sliders
Low
4.00
Averages
4.50
High
5.00
Barrington
Gary Prestopino
Market Perform -> Underperform
downgrade
AI Analysis
2025-06-06
Reason
Barrington
Gary Prestopino
Price Target
AI Analysis
2025-06-06
downgrade
Market Perform -> Underperform
Reason
Barrington analyst Gary Prestopino downgraded Usio to Underperform from Market Perform.
Barrington
Market Perform -> Underperform
downgrade
2025-06-06
Reason
Barrington
Price Target
2025-06-06
downgrade
Market Perform -> Underperform
Reason
As previously reported, Barrington downgraded Usio to Underperform from Market Perform with no price target after the company reported Q1 results that missed the firm's estimates. The firm, which is reducing its 2025 and 2026 adjusted EBITDA estimates, believes the stock remains "significantly undervalued" and that the company is worth $5.00-6.00 per share on a sum-of-the-parts basis. However, it also believes an "exogenous catalyst is needed to realize fair value," but that senior leadership "seems too entrenched," the board "seems to be totally disengaged," and that the "enhancement of shareholder value remains elusive."
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Valuation Metrics

The current forward P/E ratio for Usio Inc (USIO.O) is 45.66, compared to its 5-year average forward P/E of -30.65. For a more detailed relative valuation and DCF analysis to assess Usio Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
-30.65
Current PE
45.66
Overvalued PE
90.76
Undervalued PE
-152.06

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
13.18
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
42.00
Undervalued EV/EBITDA
-15.65

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
0.84
Current PS
0.32
Overvalued PS
1.54
Undervalued PS
0.15

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Frequently Asked Questions

What is Usio Inc (USIO) stock price today?

The current price of USIO is 1.13 USD — it has decreased -2.59

What is Usio Inc (USIO)'s business?

Usio, Inc. is a FinTech company that operates a full stack of integrated, cloud-based electronic payment and embedded financial solutions. The Company operates credit/debit and automated clearing house (ACH) payment processing platforms, as well as a card issuing platform to deliver convenient payment solutions and services to its clients. The Company, through its Usio Output Solutions division, offers services relating to electronic bill presentment, document composition, document decomposition and printing and mailing services. It provides payment acceptance through multiple payment methods, including payment facilitation, prepaid card and electronic billing products and services to businesses, merchants and consumers. Through its Prepaid Debit Card platform, it offers a variety of prepaid card products, such as reloadable, incentive, promotional and corporate card programs. It provides integrated electronic payment processing services to merchants and businesses.

What is the price predicton of USIO Stock?

Wall Street analysts forecast USIO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for USIO is4.50 USD with a low forecast of 4.00 USD and a high forecast of 5.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Usio Inc (USIO)'s revenue for the last quarter?

Usio Inc revenue for the last quarter amounts to 22.24M USD, increased 8.19

What is Usio Inc (USIO)'s earnings per share (EPS) for the last quarter?

Usio Inc. EPS for the last quarter amounts to -0.05 USD, decreased -350.00

How many employees does Usio Inc (USIO). have?

Usio Inc (USIO) has 107 emplpoyees as of April 03 2026.

What is Usio Inc (USIO) market cap?

Today USIO has the market capitalization of 31.35M USD.