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USIO INC (USIO) Stock Fundamental Analysis

USA - NASDAQ:USIO - US9173131080 - Common Stock

1.475 USD
+0.01 (+0.34%)
Last: 11/4/2025, 8:00:02 PM
Fundamental Rating

4

USIO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 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 is valied quite expensively at the moment, while it does show 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.
USIO had a positive operating cash flow in the past year.
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 Return On Assets of 2.66%. This is in the better half of the industry: USIO outperforms 65.31% of its industry peers.
With a decent Return On Equity value of 15.37%, USIO is doing good in the industry, outperforming 74.49% 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's Profit Margin of 3.43% is on the low side compared to the rest of the industry. USIO is outperformed by 60.20% of its industry peers.
USIO's Gross Margin of 23.74% is in line compared to the rest of the industry. USIO outperforms 40.82% of its industry peers.
USIO's Gross Margin has improved in the last couple of years.
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.
USIO has more shares outstanding than it did 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

Based on the Altman-Z score of 0.21, we must say that USIO is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of USIO (0.21) is comparable to the rest of the industry.
USIO has a debt to FCF ratio of 0.11. This is a very positive value and a sign of high solvency as it would only need 0.11 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.11, USIO belongs to the best of the industry, outperforming 88.78% of the companies in the same industry.
A Debt/Equity ratio of 0.03 indicates that USIO is not too dependend on debt financing.
USIO has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. USIO outperforms 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.11
Altman-Z 0.21
ROIC/WACCN/A
WACC8.71%
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 55.10% of its industry peers.
USIO has a Quick 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 Quick ratio of 1.11. This is comparable to the rest of the industry: USIO outperforms 55.10% of its industry peers.
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

The Earnings Per Share has grown by an impressive 300.00% over the past year.
USIO shows a small growth in Revenue. In the last year, the Revenue has grown by 4.44%.
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

Based on estimates for the next years, USIO will show a very negative growth in Earnings Per Share. The EPS will decrease by -23.87% on average per year.
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-102.32%
EPS Next 2Y-23.87%
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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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.75 indicates a correct valuation of USIO.
USIO's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of USIO to the average of the S&P500 Index (26.03), we can say USIO is valued slightly cheaper.
A Price/Forward Earnings ratio of 23.14 indicates a rather expensive valuation of USIO.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USIO indicates a slightly more expensive valuation: USIO is more expensive than 68.37% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of USIO to the average of the S&P500 Index (22.27), we can say USIO is valued inline with the index average.
Industry RankSector Rank
PE 14.75
Fwd PE 23.14
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

Based on the Enterprise Value to EBITDA ratio, USIO is valued a bit more expensive than the industry average as 64.29% of the companies are valued more cheaply.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of USIO indicates a rather cheap valuation: USIO is cheaper than 85.71% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.75
EV/EBITDA 66.37
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 -23.87% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-23.87%
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 (11/4/2025, 8:00:02 PM)

1.475

+0.01 (+0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-12 2025-11-12
Inst Owners26.64%
Inst Owner Change-2.08%
Ins Owners17.3%
Ins Owner Change6.51%
Market Cap39.09M
Revenue(TTM)83.85M
Net Income(TTM)2.88M
Analysts78.18
Price Target5.23 (254.58%)
Short Float %0.19%
Short Ratio0.48
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)0%
EPS NQ rev (3m)-67.85%
EPS NY rev (1m)-175.07%
EPS NY rev (3m)-106.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-9.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.3%
Valuation
Industry RankSector Rank
PE 14.75
Fwd PE 23.14
P/S 0.47
P/FCF 6.75
P/OCF 5.53
P/B 2.09
P/tB 2.14
EV/EBITDA 66.37
EPS(TTM)0.1
EY6.78%
EPS(NY)0.06
Fwd EY4.32%
FCF(TTM)0.22
FCFY14.81%
OCF(TTM)0.27
OCFY18.09%
SpS3.16
BVpS0.71
TBVpS0.69
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.26
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
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-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 0.21
F-Score9
WACC8.71%
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-102.32%
EPS Next 2Y-23.87%
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

USIO INC / USIO FAQ

What is the fundamental rating for USIO stock?

ChartMill assigns a fundamental rating of 4 / 10 to USIO.


What is the valuation status for USIO stock?

ChartMill assigns a valuation rating of 3 / 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 3 / 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 -102.32% in the next year.