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USIO INC (USIO) Stock Fundamental Analysis

NASDAQ:USIO - US9173131080 - Common Stock

1.48 USD
0 (0%)
Last: 8/27/2025, 8:21:55 PM
1.47 USD
-0.01 (-0.68%)
After Hours: 8/27/2025, 8:21:55 PM
Fundamental Rating

4

USIO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. The financial health of USIO is average, but 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

In the past year USIO was profitable.
USIO had a positive operating cash flow in the past year.
USIO had negative earnings in 4 of the past 5 years.
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

USIO's Return On Assets of 2.66% is fine compared to the rest of the industry. USIO outperforms 65.00% of its industry peers.
The Return On Equity of USIO (15.37%) is better than 75.00% of its industry peers.
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

Looking at the Profit Margin, with a value of 3.43%, USIO is in line with its industry, outperforming 41.00% of the companies in the same industry.
Looking at the Gross Margin, with a value of 23.74%, USIO is doing worse than 61.00% 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) 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
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 0.21, we must say that USIO is in the distress zone and has some risk of bankruptcy.
USIO has a Altman-Z score (0.21) which is in line with its industry peers.
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.
USIO's Debt to FCF ratio of 0.11 is amongst the best of the industry. USIO outperforms 92.00% 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.
USIO has a better Debt to Equity ratio (0.03) than 88.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.11
Altman-Z 0.21
ROIC/WACCN/A
WACC8.83%
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 1.11 indicates that USIO should not have too much problems paying its short term obligations.
USIO's Current ratio of 1.11 is in line compared to the rest of the industry. USIO outperforms 53.00% 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 (1.11) which is in line with 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%.
The Revenue has been growing by 24.08% on average over the past years. This is a very strong growth!
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

The Earnings Per Share is expected to grow by 2.51% on average over the next years.
USIO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.79% yearly.
EPS Next Y-75.27%
EPS Next 2Y2.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.37%
Revenue Next 2Y9.79%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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

The Price/Earnings ratio is 14.80, 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 27.14. USIO is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 12.80 indicates a correct valuation of USIO.
USIO's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.80, USIO is valued a bit cheaper.
Industry RankSector Rank
PE 14.8
Fwd PE 12.8
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 65.00% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, USIO is valued cheaper than 90.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.78
EV/EBITDA 66.92
USIO Per share dataUSIO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.51%
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 (8/27/2025, 8:21:55 PM)

After market: 1.47 -0.01 (-0.68%)

1.48

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-04 2025-11-04
Inst Owners25.62%
Inst Owner Change2.63%
Ins Owners15.63%
Ins Owner Change6.13%
Market Cap39.22M
Analysts78.18
Price Target4.93 (233.11%)
Short Float %0.38%
Short Ratio0.83
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)-12.12%
PT rev (3m)-23.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-27.27%
EPS NY rev (3m)-72.41%
Revenue NQ rev (1m)-9.46%
Revenue NQ rev (3m)-9.67%
Revenue NY rev (1m)-6.34%
Revenue NY rev (3m)-6.44%
Valuation
Industry RankSector Rank
PE 14.8
Fwd PE 12.8
P/S 0.47
P/FCF 6.78
P/OCF 5.55
P/B 2.09
P/tB 2.14
EV/EBITDA 66.92
EPS(TTM)0.1
EY6.76%
EPS(NY)0.12
Fwd EY7.81%
FCF(TTM)0.22
FCFY14.76%
OCF(TTM)0.27
OCFY18.03%
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 0.21
F-Score9
WACC8.83%
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-75.27%
EPS Next 2Y2.51%
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 Year6.37%
Revenue Next 2Y9.79%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y48.22%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year410.59%
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