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USIO INC (USIO) Stock Fundamental Analysis

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

1.43  -0.01 (-0.69%)

After market: 1.4688 +0.04 (+2.71%)

Fundamental Rating

4

Taking everything into account, USIO scores 4 out of 10 in our fundamental rating. USIO was compared to 101 industry peers in the Financial Services industry. While USIO seems to be doing ok healthwise, there are quite some concerns on its profitability. USIO is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

USIO had positive earnings in the past year.
In the past year USIO had a positive cash flow from operations.
USIO had negative earnings in 4 of the past 5 years.
Of the past 5 years USIO 4 years had a positive operating cash flow.
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

USIO has a better Return On Assets (3.08%) than 66.34% of its industry peers.
USIO has a better Return On Equity (17.25%) than 81.19% of its industry peers.
Industry RankSector Rank
ROA 3.08%
ROE 17.25%
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

The Profit Margin of USIO (4.02%) is worse than 64.36% of its industry peers.
With a Gross Margin value of 23.05%, USIO perfoms like the industry average, outperforming 44.55% of the companies in the same industry.
USIO's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 4.02%
GM 23.05%
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.
USIO has more shares outstanding than it did 1 year ago.
The number of shares outstanding for USIO has been increased compared to 5 years ago.
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

Based on the Altman-Z score of 0.19, we must say that USIO is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.19, USIO is in line with its industry, outperforming 44.55% of the companies in the same industry.
The Debt to FCF ratio of USIO is 0.38, which is an excellent value as it means it would take USIO, only 0.38 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.38, USIO belongs to the best of the industry, outperforming 89.11% 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 better Debt to Equity ratio (0.03) than 87.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.38
Altman-Z 0.19
ROIC/WACCN/A
WACC9.05%
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.
USIO has a Current ratio (1.12) which is in line with 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 1.12
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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6

3. Growth

3.1 Past

USIO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 375.00%, which is quite impressive.
The Revenue has decreased by -1.35% 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)-1.35%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%8.31%

3.2 Future

The Earnings Per Share is expected to grow by 37.31% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.60% on average over the next years. This is quite good.
EPS Next Y-10.36%
EPS Next 2Y37.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.69%
Revenue Next 2Y13.6%
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 0.2 -0.2

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.00, which indicates a correct valuation of USIO.
The rest of the industry has a similar Price/Earnings ratio as USIO.
The average S&P500 Price/Earnings ratio is at 26.03. USIO is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.90, the valuation of USIO can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USIO indicates a somewhat cheap valuation: USIO is cheaper than 74.26% of the companies listed in the same industry.
USIO is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.94, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13
Fwd PE 6.9
USIO Price Earnings VS Forward Price EarningsUSIO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, USIO is valued a bit more expensive than the industry average as 68.32% of the companies are valued more cheaply.
62.38% 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 19.91
EV/EBITDA 213.85
USIO Per share dataUSIO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

A more expensive valuation may be justified as USIO's earnings are expected to grow with 37.31% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y37.31%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

USIO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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USIO INC

NASDAQ:USIO (5/21/2025, 7:56:09 PM)

After market: 1.4688 +0.04 (+2.71%)

1.43

-0.01 (-0.69%)

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 Owners31.08%
Inst Owner Change-8.67%
Ins Owners24.06%
Ins Owner Change-2.13%
Market Cap37.91M
Analysts81.82
Price Target6.46 (351.75%)
Short Float %0.1%
Short Ratio0.18
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)2
Avg EPS beat(2)686.28%
Min EPS beat(2)492.16%
Max EPS beat(2)880.39%
EPS beat(4)3
Avg EPS beat(4)318.63%
Min EPS beat(4)-198.04%
Max EPS beat(4)880.39%
EPS beat(8)4
Avg EPS beat(8)21.53%
EPS beat(12)5
Avg EPS beat(12)-62.31%
EPS beat(16)8
Avg EPS beat(16)-22.96%
Revenue beat(2)0
Avg Revenue beat(2)-3.18%
Min Revenue beat(2)-4.11%
Max Revenue beat(2)-2.25%
Revenue beat(4)0
Avg Revenue beat(4)-3.8%
Min Revenue beat(4)-7.69%
Max Revenue beat(4)-1.15%
Revenue beat(8)3
Avg Revenue beat(8)-1.16%
Revenue beat(12)4
Avg Revenue beat(12)-1.35%
Revenue beat(16)8
Avg Revenue beat(16)1.23%
PT rev (1m)10.14%
PT rev (3m)1.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.33%
EPS NY rev (3m)28.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
Industry RankSector Rank
PE 13
Fwd PE 6.9
P/S 0.46
P/FCF 19.91
P/OCF 13.09
P/B 1.98
P/tB 2.07
EV/EBITDA 213.85
EPS(TTM)0.11
EY7.69%
EPS(NY)0.21
Fwd EY14.5%
FCF(TTM)0.07
FCFY5.02%
OCF(TTM)0.11
OCFY7.64%
SpS3.1
BVpS0.72
TBVpS0.69
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.08%
ROE 17.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 4.02%
GM 23.05%
FCFM 2.31%
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-Score7
Asset Turnover0.77
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.38
Debt/EBITDA 3.97
Cap/Depr 43.83%
Cap/Sales 1.21%
Interest Coverage N/A
Cash Conversion 2008.53%
Profit Quality 57.61%
Current Ratio 1.12
Quick Ratio 1.12
Altman-Z 0.19
F-Score7
WACC9.05%
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-10.36%
EPS Next 2Y37.31%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.35%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%8.31%
Revenue Next Year13.69%
Revenue Next 2Y13.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-10.85%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year443.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-28.75%
FCF growth 3Y-59.43%
FCF growth 5YN/A
OCF growth 1Y-17.43%
OCF growth 3Y-54.01%
OCF growth 5YN/A