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USIO INC (USIO) Stock Fundamental Analysis

USA - NASDAQ:USIO - US9173131080 - Common Stock

1.41 USD
0 (0%)
Last: 10/13/2025, 5:13:20 PM
1.3914 USD
-0.02 (-1.32%)
After Hours: 10/13/2025, 5:13:20 PM
Fundamental Rating

4

USIO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. While USIO seems to be doing ok healthwise, there are quite some concerns on its profitability. USIO has a decent growth rate and is not valued too expensively.


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

With a decent Return On Assets value of 2.66%, USIO is doing good in the industry, outperforming 64.65% of the companies in the same industry.
With a decent Return On Equity value of 15.37%, USIO is doing good in the industry, outperforming 74.75% of the companies in the same industry.
Industry RankSector Rank
ROA 2.66%
ROE 15.37%
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 3.43%. This is in the lower half of the industry: USIO underperforms 60.61% of its industry peers.
With a Gross Margin value of 23.74%, USIO is not doing good in the industry: 61.62% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of USIO has grown nicely.
Industry RankSector Rank
OM N/A
PM (TTM) 3.43%
GM 23.74%
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.
USIO has more shares outstanding than it did 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 0.20, we must say that USIO is in the distress zone and has some risk of bankruptcy.
USIO has a Altman-Z score (0.20) which is comparable to the rest of the industry.
The Debt to FCF ratio of USIO is 0.11, which is an excellent value as it means it would take USIO, only 0.11 years of fcf income to pay off all of its debts.
USIO's Debt to FCF ratio of 0.11 is amongst the best of the industry. USIO outperforms 89.90% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that USIO is not too dependend on debt financing.
USIO has a better Debt to Equity ratio (0.03) than 86.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.11
Altman-Z 0.2
ROIC/WACCN/A
WACC8.63%
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 1.11. This is a normal value and indicates that USIO is financially healthy and should not expect problems in meeting its short term obligations.
USIO has a Current ratio of 1.11. This is comparable to the rest of the industry: USIO outperforms 53.54% of its industry peers.
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 comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.11
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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5

3. Growth

3.1 Past

USIO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 300.00%, which is quite impressive.
The Revenue has been growing slightly by 4.44% in the past year.
USIO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.08% yearly.
EPS 1Y (TTM)300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-579.31%
Revenue 1Y (TTM)4.44%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.59%

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 -12.10% yearly.
Based on estimates for the next years, USIO will show a quite strong growth in Revenue. The Revenue will grow by 9.40% on average per year.
EPS Next Y-96.91%
EPS Next 2Y-12.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.41%
Revenue Next 2Y9.4%
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 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

The Price/Earnings ratio is 14.10, which indicates a correct valuation of USIO.
USIO's Price/Earnings is on the same level as the industry average.
USIO is valuated rather cheaply when we compare the Price/Earnings ratio to 27.02, which is the current average of the S&P500 Index.
USIO is valuated correctly with a Price/Forward Earnings ratio of 16.59.
The rest of the industry has a similar Price/Forward Earnings ratio as USIO.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.57, USIO is valued a bit cheaper.
Industry RankSector Rank
PE 14.1
Fwd PE 16.59
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 64.65% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, USIO is valued cheaper than 86.87% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.46
EV/EBITDA 63.08
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 decrease with -12.10% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.1%
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 (10/13/2025, 5:13:20 PM)

After market: 1.3914 -0.02 (-1.32%)

1.41

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-05 2025-11-05
Inst Owners26.64%
Inst Owner Change0%
Ins Owners17.3%
Ins Owner Change6.51%
Market Cap37.37M
Analysts78.18
Price Target5.23 (270.92%)
Short Float %0.16%
Short Ratio0.37
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)-78.43%
Min EPS beat(2)-158.81%
Max EPS beat(2)1.96%
EPS beat(4)3
Avg EPS beat(4)303.92%
Min EPS beat(4)-158.81%
Max EPS beat(4)880.39%
EPS beat(8)4
Avg EPS beat(8)-7.5%
EPS beat(12)6
Avg EPS beat(12)3.02%
EPS beat(16)8
Avg EPS beat(16)-39.95%
Revenue beat(2)0
Avg Revenue beat(2)-7.48%
Min Revenue beat(2)-13.07%
Max Revenue beat(2)-1.89%
Revenue beat(4)0
Avg Revenue beat(4)-5.33%
Min Revenue beat(4)-13.07%
Max Revenue beat(4)-1.89%
Revenue beat(8)1
Avg Revenue beat(8)-4.08%
Revenue beat(12)3
Avg Revenue beat(12)-2.39%
Revenue beat(16)6
Avg Revenue beat(16)-1.11%
PT rev (1m)6.04%
PT rev (3m)-6.82%
EPS NQ rev (1m)-25%
EPS NQ rev (3m)-67.85%
EPS NY rev (1m)-87.51%
EPS NY rev (3m)-90.92%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)-9.38%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-6.3%
Valuation
Industry RankSector Rank
PE 14.1
Fwd PE 16.59
P/S 0.45
P/FCF 6.46
P/OCF 5.28
P/B 1.99
P/tB 2.04
EV/EBITDA 63.08
EPS(TTM)0.1
EY7.09%
EPS(NY)0.08
Fwd EY6.03%
FCF(TTM)0.22
FCFY15.49%
OCF(TTM)0.27
OCFY18.92%
SpS3.16
BVpS0.71
TBVpS0.69
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.66%
ROE 15.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 3.43%
GM 23.74%
FCFM 6.9%
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-Score9
Asset Turnover0.77
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.11
Debt/EBITDA 1.02
Cap/Depr 61.15%
Cap/Sales 1.53%
Interest Coverage N/A
Cash Conversion 1462.14%
Profit Quality 201.03%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 0.2
F-Score9
WACC8.63%
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)300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-579.31%
EPS Next Y-96.91%
EPS Next 2Y-12.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.44%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.59%
Revenue Next Year6.41%
Revenue Next 2Y9.4%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y48.22%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year320.09%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-81.94%
FCF growth 3Y-59.43%
FCF growth 5YN/A
OCF growth 1Y-78.47%
OCF growth 3Y-54.01%
OCF growth 5YN/A