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USIO INC (USIO) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:USIO - US9173131080 - Common Stock

1.33 USD
+0.01 (+0.76%)
Last: 12/24/2025, 8:05:07 PM
1.359 USD
+0.03 (+2.18%)
After Hours: 12/24/2025, 8:05:07 PM
Fundamental Rating

3

Overall USIO gets a fundamental rating of 3 out of 10. We evaluated USIO against 99 industry peers in the Financial Services industry. USIO scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. USIO does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year USIO has reported negative net income.
In the past year USIO had a positive cash flow from operations.
In the past 5 years USIO reported 4 times negative net income.
USIO had a positive operating cash flow in 4 of the past 5 years.
USIO Yearly Net Income VS EBIT VS OCF VS FCFUSIO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

With a Return On Assets value of -0.39%, USIO is not doing good in the industry: 75.76% of the companies in the same industry are doing better.
USIO has a Return On Equity of -2.08%. This is in the lower half of the industry: USIO underperforms 74.75% of its industry peers.
Industry RankSector Rank
ROA -0.39%
ROE -2.08%
ROIC N/A
ROA(3y)-0.99%
ROA(5y)-1.34%
ROE(3y)-8.44%
ROE(5y)-8.89%
ROIC(3y)N/A
ROIC(5y)N/A
USIO Yearly ROA, ROE, ROICUSIO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

1.3 Margins

USIO's Gross Margin of 23.75% is in line compared to the rest of the industry. USIO outperforms 41.41% of its industry peers.
USIO's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for USIO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 23.75%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.14%
GM growth 5Y2.31%
USIO Yearly Profit, Operating, Gross MarginsUSIO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

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5

2. Health

2.1 Basic Checks

USIO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for USIO has been increased compared to 1 year ago.
Compared to 5 years ago, USIO has more shares outstanding
The debt/assets ratio for USIO has been reduced compared to a year ago.
USIO Yearly Shares OutstandingUSIO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
USIO Yearly Total Debt VS Total AssetsUSIO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

USIO has an Altman-Z score of 0.20. This is a bad value and indicates that USIO is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.20, USIO is in line with its industry, outperforming 46.46% of the companies in the same industry.
The Debt to FCF ratio of USIO is 0.08, which is an excellent value as it means it would take USIO, only 0.08 years of fcf income to pay off all of its debts.
USIO's Debt to FCF ratio of 0.08 is amongst the best of the industry. USIO outperforms 88.89% of its industry peers.
USIO has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of USIO (0.03) is better than 83.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.08
Altman-Z 0.2
ROIC/WACCN/A
WACC8.75%
USIO Yearly LT Debt VS Equity VS FCFUSIO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

2.3 Liquidity

USIO has a Current Ratio of 1.13. This is a normal value and indicates that USIO is financially healthy and should not expect problems in meeting its short term obligations.
USIO's Current ratio of 1.13 is in line compared to the rest of the industry. USIO outperforms 55.56% of its industry peers.
A Quick Ratio of 1.12 indicates that USIO should not have too much problems paying its short term obligations.
USIO has a Quick ratio (1.12) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.12
USIO Yearly Current Assets VS Current LiabilitesUSIO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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3

3. Growth

3.1 Past

USIO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -122.22%.
USIO shows a small growth in Revenue. In the last year, the Revenue has grown by 3.24%.
Measured over the past years, USIO shows a very strong growth in Revenue. The Revenue has been growing by 24.08% on average per year.
EPS 1Y (TTM)-122.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-120%
Revenue 1Y (TTM)3.24%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.66%

3.2 Future

USIO is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -33.63% yearly.
USIO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.63% yearly.
EPS Next Y-116.23%
EPS Next 2Y-33.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.75%
Revenue Next 2Y7.63%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
USIO Yearly Revenue VS EstimatesUSIO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
USIO Yearly EPS VS EstimatesUSIO Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.1 -0.1 -0.2 -0.3

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2

4. Valuation

4.1 Price/Earnings Ratio

USIO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 27.45 indicates a quite expensive valuation of USIO.
Based on the Price/Forward Earnings ratio, USIO is valued a bit more expensive than 67.68% of the companies in the same industry.
USIO is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 27.45
USIO Price Earnings VS Forward Price EarningsUSIO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, USIO is valued a bit more expensive than 64.65% of the companies in the same industry.
97.98% of the companies in the same industry are more expensive than USIO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.46
EV/EBITDA 100.07
USIO Per share dataUSIO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

A cheap valuation may be justified as USIO's earnings are expected to decrease with -33.63% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-33.63%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for USIO!.
Industry RankSector Rank
Dividend Yield 0%

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USIO INC

NASDAQ:USIO (12/24/2025, 8:05:07 PM)

After market: 1.359 +0.03 (+2.18%)

1.33

+0.01 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-24 2026-03-24/amc
Inst Owners25.97%
Inst Owner Change-2.39%
Ins Owners16.78%
Ins Owner Change5.83%
Market Cap36.32M
Revenue(TTM)83.71M
Net Income(TTM)-387.80K
Analysts78.18
Price Target5.23 (293.23%)
Short Float %0.2%
Short Ratio0.73
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-179.74%
Min EPS beat(2)-361.44%
Max EPS beat(2)1.96%
EPS beat(4)2
Avg EPS beat(4)-6.53%
Min EPS beat(4)-361.44%
Max EPS beat(4)492.16%
EPS beat(8)4
Avg EPS beat(8)82.03%
EPS beat(12)6
Avg EPS beat(12)-25.95%
EPS beat(16)7
Avg EPS beat(16)-72.88%
Revenue beat(2)0
Avg Revenue beat(2)-9.75%
Min Revenue beat(2)-13.07%
Max Revenue beat(2)-6.44%
Revenue beat(4)0
Avg Revenue beat(4)-6.38%
Min Revenue beat(4)-13.07%
Max Revenue beat(4)-1.89%
Revenue beat(8)0
Avg Revenue beat(8)-5.46%
Revenue beat(12)3
Avg Revenue beat(12)-2.75%
Revenue beat(16)5
Avg Revenue beat(16)-1.87%
PT rev (1m)0%
PT rev (3m)6.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-70.01%
EPS NY rev (1m)-600%
EPS NY rev (3m)-165.62%
Revenue NQ rev (1m)-1.35%
Revenue NQ rev (3m)-4.88%
Revenue NY rev (1m)-2.5%
Revenue NY rev (3m)-2.46%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 27.45
P/S 0.43
P/FCF 3.46
P/OCF 3.04
P/B 1.94
P/tB 1.97
EV/EBITDA 100.07
EPS(TTM)-0.02
EYN/A
EPS(NY)0.05
Fwd EY3.64%
FCF(TTM)0.38
FCFY28.91%
OCF(TTM)0.44
OCFY32.85%
SpS3.07
BVpS0.68
TBVpS0.68
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.39%
ROE -2.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 23.75%
FCFM 12.54%
ROA(3y)-0.99%
ROA(5y)-1.34%
ROE(3y)-8.44%
ROE(5y)-8.89%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.14%
GM growth 5Y2.31%
F-Score6
Asset Turnover0.84
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.08
Debt/EBITDA 2.43
Cap/Depr 73.51%
Cap/Sales 1.71%
Interest Coverage N/A
Cash Conversion 4866.56%
Profit Quality N/A
Current Ratio 1.13
Quick Ratio 1.12
Altman-Z 0.2
F-Score6
WACC8.75%
ROIC/WACCN/A
Cap/Depr(3y)37.83%
Cap/Depr(5y)43.64%
Cap/Sales(3y)1.12%
Cap/Sales(5y)1.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-122.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-120%
EPS Next Y-116.23%
EPS Next 2Y-33.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.24%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.66%
Revenue Next Year3.75%
Revenue Next 2Y7.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y25.54%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year303.18%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-77.44%
FCF growth 3Y-59.43%
FCF growth 5YN/A
OCF growth 1Y-74.78%
OCF growth 3Y-54.01%
OCF growth 5YN/A

USIO INC / USIO FAQ

What is the fundamental rating for USIO stock?

ChartMill assigns a fundamental rating of 3 / 10 to USIO.


What is the valuation status for USIO stock?

ChartMill assigns a valuation rating of 2 / 10 to USIO INC (USIO). This can be considered as Overvalued.


What is the profitability of USIO stock?

USIO INC (USIO) has a profitability rating of 2 / 10.


Can you provide the financial health for USIO stock?

The financial health rating of USIO INC (USIO) is 5 / 10.


Can you provide the expected EPS growth for USIO stock?

The Earnings per Share (EPS) of USIO INC (USIO) is expected to decline by -116.23% in the next year.