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USIO INC (USIO) Stock Fundamental Analysis

NASDAQ:USIO - Nasdaq - US9173131080 - Common Stock - Currency: USD

1.76  +0.04 (+2.33%)

After market: 1.75 -0.01 (-0.57%)

Fundamental Rating

4

Taking everything into account, USIO scores 4 out of 10 in our fundamental rating. USIO was compared to 100 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 has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year USIO was profitable.
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 decent Return On Assets value of 3.03%, USIO is doing good in the industry, outperforming 64.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 17.48%, USIO is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
Industry RankSector Rank
ROA 3.03%
ROE 17.48%
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 has a Profit Margin of 3.95%. This is in the lower half of the industry: USIO underperforms 64.00% of its industry peers.
USIO has a Gross Margin (23.31%) which is comparable to the rest of the industry.
USIO's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 3.95%
GM 23.31%
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.
Compared to 1 year ago, USIO has more shares outstanding
USIO has more shares outstanding than it did 5 years ago.
USIO has a better debt/assets ratio than last year.
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

Based on the Altman-Z score of 0.26, we must say that USIO is in the distress zone and has some risk of bankruptcy.
USIO has a Altman-Z score (0.26) which is in line with its industry peers.
The Debt to FCF ratio of USIO is 0.12, which is an excellent value as it means it would take USIO, only 0.12 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.12, USIO belongs to the top of the industry, outperforming 92.00% of the companies in the same industry.
USIO has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
USIO has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. USIO outperforms 88.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.12
Altman-Z 0.26
ROIC/WACCN/A
WACC9.04%
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

A Current Ratio of 1.12 indicates that USIO should not have too much problems paying its short term obligations.
The Current ratio of USIO (1.12) is comparable to the rest of the industry.
A Quick Ratio of 1.11 indicates that USIO should not have too much problems paying its short term obligations.
USIO has a Quick ratio (1.11) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.12
Quick Ratio 1.11
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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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 375.00% over the past year.
The Revenue has been growing slightly by 3.08% in the past year.
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)375%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)3.08%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%8.31%

3.2 Future

USIO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.28% yearly.
Based on estimates for the next years, USIO will show a quite strong growth in Revenue. The Revenue will grow by 13.41% on average per year.
EPS Next Y-66%
EPS Next 2Y15.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.57%
Revenue Next 2Y13.41%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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 100M
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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4

4. Valuation

4.1 Price/Earnings Ratio

USIO is valuated correctly with a Price/Earnings ratio of 16.00.
Compared to the rest of the industry, the Price/Earnings ratio of USIO is on the same level as its industry peers.
When comparing the Price/Earnings ratio of USIO to the average of the S&P500 Index (27.48), we can say USIO is valued slightly cheaper.
The Price/Forward Earnings ratio is 12.04, which indicates a correct valuation of USIO.
The rest of the industry has a similar Price/Forward Earnings ratio as USIO.
When comparing the Price/Forward Earnings ratio of USIO to the average of the S&P500 Index (36.52), we can say USIO is valued rather cheaply.
Industry RankSector Rank
PE 16
Fwd PE 12.04
USIO Price Earnings VS Forward Price EarningsUSIO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of USIO indicates a slightly more expensive valuation: USIO is more expensive than 64.00% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of USIO indicates a rather cheap valuation: USIO is cheaper than 82.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.86
EV/EBITDA 49.76
USIO Per share dataUSIO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

USIO's earnings are expected to grow with 15.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.28%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for USIO!.
Industry RankSector Rank
Dividend Yield N/A

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USIO INC

NASDAQ:USIO (7/17/2025, 8:00:02 PM)

After market: 1.75 -0.01 (-0.57%)

1.76

+0.04 (+2.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-14 2025-05-14/amc
Earnings (Next)08-12 2025-08-12
Inst Owners26.97%
Inst Owner Change0%
Ins Owners15.41%
Ins Owner Change0.17%
Market Cap46.66M
Analysts78.18
Price Target5.61 (218.75%)
Short Float %0.23%
Short Ratio0.58
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)166.67%
Min EPS beat(2)-158.81%
Max EPS beat(2)492.16%
EPS beat(4)3
Avg EPS beat(4)328.43%
Min EPS beat(4)-158.81%
Max EPS beat(4)880.39%
EPS beat(8)3
Avg EPS beat(8)-10.82%
EPS beat(12)5
Avg EPS beat(12)-18.52%
EPS beat(16)8
Avg EPS beat(16)-31.78%
Revenue beat(2)0
Avg Revenue beat(2)-3%
Min Revenue beat(2)-4.11%
Max Revenue beat(2)-1.89%
Revenue beat(4)0
Avg Revenue beat(4)-2.35%
Min Revenue beat(4)-4.11%
Max Revenue beat(4)-1.15%
Revenue beat(8)2
Avg Revenue beat(8)-2.16%
Revenue beat(12)3
Avg Revenue beat(12)-2.11%
Revenue beat(16)7
Avg Revenue beat(16)0.55%
PT rev (1m)-2.94%
PT rev (3m)-4.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-249.92%
EPS NY rev (1m)-62.07%
EPS NY rev (3m)-51.11%
Revenue NQ rev (1m)0.45%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-0.1%
Valuation
Industry RankSector Rank
PE 16
Fwd PE 12.04
P/S 0.56
P/FCF 7.86
P/OCF 6.61
P/B 2.46
P/tB 2.55
EV/EBITDA 49.76
EPS(TTM)0.11
EY6.25%
EPS(NY)0.15
Fwd EY8.31%
FCF(TTM)0.22
FCFY12.72%
OCF(TTM)0.27
OCFY15.14%
SpS3.17
BVpS0.72
TBVpS0.69
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.03%
ROE 17.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 3.95%
GM 23.31%
FCFM 7.07%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.77
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.12
Debt/EBITDA 0.71
Cap/Depr 51.69%
Cap/Sales 1.34%
Interest Coverage N/A
Cash Conversion 935.48%
Profit Quality 178.69%
Current Ratio 1.12
Quick Ratio 1.11
Altman-Z 0.26
F-Score8
WACC9.04%
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)375%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y-66%
EPS Next 2Y15.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.08%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%8.31%
Revenue Next Year13.57%
Revenue Next 2Y13.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y49.94%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year428.91%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y153.99%
FCF growth 3Y-59.43%
FCF growth 5YN/A
OCF growth 1Y170.41%
OCF growth 3Y-54.01%
OCF growth 5YN/A