USIO INC (USIO) Stock Fundamental Analysis
NASDAQ:USIO - Nasdaq - US9173131080 - Common Stock - Currency: USD
Overall USIO gets a fundamental rating of 4 out of 10. We evaluated USIO 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 correct valuation and a medium growth rate.
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.
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.
1.2 Ratios
With a decent Return On Assets value of 3.03%, USIO is doing good in the industry, outperforming 63.64% of the companies in the same industry.
The Return On Equity of USIO (17.48%) is better than 79.80% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of USIO (3.95%) is worse than 64.65% of its industry peers.
USIO has a Gross Margin of 23.31%. This is comparable to the rest of the industry: USIO outperforms 41.41% of its industry peers.
In the last couple of years the Gross Margin of USIO has grown nicely.
| Industry Rank | Sector 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%
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.
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.
USIO has a debt to FCF ratio of 0.12. This is a very positive value and a sign of high solvency as it would only need 0.12 years to pay back of all of its debts.
USIO has a Debt to FCF ratio of 0.12. This is amongst the best in the industry. USIO outperforms 91.92% 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.
With an excellent Debt to Equity ratio value of 0.03, USIO belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.12 | ||
| Altman-Z | 0.2 |
ROIC/WACCN/A
WACC9.16%
2.3 Liquidity
USIO has a Current Ratio of 1.12. This is a normal value and indicates that USIO is financially healthy and should not expect problems in meeting its short term obligations.
USIO's Current ratio of 1.12 is in line compared to the rest of the industry. USIO outperforms 55.56% 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 57.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.11 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 375.00% over the past year.
Looking at the last year, USIO shows a small growth in Revenue. The Revenue has grown by 3.08% in the last 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)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 a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 37.31% yearly.
The Revenue is expected to grow by 14.22% 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 Year13.87%
Revenue Next 2Y14.22%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.55 indicates a correct valuation of USIO.
Based on the Price/Earnings ratio, USIO is valued a bit cheaper than the industry average as 60.61% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.31. USIO is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.65, the valuation of USIO can be described as very cheap.
Based on the Price/Forward Earnings ratio, USIO is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, USIO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.55 | ||
| Fwd PE | 6.65 |
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 62.63% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, USIO is valued cheaper than 92.93% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.19 | ||
| EV/EBITDA | 37.65 |
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
5. Dividend
5.1 Amount
No dividends for USIO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.38
+0.01 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners31.08%
Inst Owner Change-8.8%
Ins Owners24.06%
Ins Owner Change-2.13%
Market Cap36.72M
Analysts81.82
Price Target5.78 (318.84%)
Short Float %0.08%
Short Ratio0.2
Dividend
| Industry Rank | Sector 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)-10.53%
PT rev (3m)-1.45%
EPS NQ rev (1m)-249.92%
EPS NQ rev (3m)-150%
EPS NY rev (1m)-3.33%
EPS NY rev (3m)28.89%
Revenue NQ rev (1m)-1.99%
Revenue NQ rev (3m)-2.62%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.55 | ||
| Fwd PE | 6.65 | ||
| P/S | 0.44 | ||
| P/FCF | 6.19 | ||
| P/OCF | 5.2 | ||
| P/B | 1.93 | ||
| P/tB | 2 | ||
| EV/EBITDA | 37.65 |
EPS(TTM)0.11
EY7.97%
EPS(NY)0.21
Fwd EY15.03%
FCF(TTM)0.22
FCFY16.16%
OCF(TTM)0.27
OCFY19.23%
SpS3.16
BVpS0.71
TBVpS0.69
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.2 |
F-Score8
WACC9.16%
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)3.08%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%8.31%
Revenue Next Year13.87%
Revenue Next 2Y14.22%
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