USIO INC (USIO)
US9173131080 - Common Stock
Taking everything into account, USIO scores 3 out of 10 in our fundamental rating. USIO was compared to 102 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 has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year USIO has reported negative net income.
In the past year USIO had a positive cash flow from operations.
In the past 5 years USIO always reported negative net income.
The reported operating cash flow has been mixed in the past 5 years: USIO reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of USIO (-0.44%) is worse than 70.59% of its industry peers.
USIO's Return On Equity of -3.15% is on the low side compared to the rest of the industry. USIO is outperformed by 70.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.44% | ||
| ROE | -3.15% | ||
| ROIC | N/A |
ROA(3y)-2.09%
ROA(5y)-3.62%
ROE(3y)-14.76%
ROE(5y)-25.82%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Gross Margin, with a value of 22.51%, USIO is in line with its industry, outperforming 46.08% of the companies in the same industry.
USIO's Gross Margin has been stable in the last couple of years.
The Profit Margin and Operating Margin are not available for USIO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 22.51% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.53%
GM growth 5Y0.23%
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 is higher compared to a year ago.
2.2 Solvency
USIO has an Altman-Z score of 0.16. This is a bad value and indicates that USIO is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.16, USIO is doing worse than 64.71% of the companies in the same industry.
USIO has a debt to FCF ratio of 0.06. This is a very positive value and a sign of high solvency as it would only need 0.06 years to pay back of all of its debts.
USIO has a Debt to FCF ratio of 0.06. This is amongst the best in the industry. USIO outperforms 92.16% of its industry peers.
USIO has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
USIO's Debt to Equity ratio of 0.05 is fine compared to the rest of the industry. USIO outperforms 76.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | 0.06 | ||
| Altman-Z | 0.16 |
ROIC/WACCN/A
WACC8.94%
2.3 Liquidity
A Current Ratio of 1.09 indicates that USIO should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.09, USIO is in line with its industry, outperforming 50.00% of the companies in the same industry.
USIO has a Quick Ratio of 1.09. 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 Quick ratio of 1.09 is in line compared to the rest of the industry. USIO outperforms 51.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
USIO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 80.00%, which is quite impressive.
Looking at the last year, USIO shows a quite strong growth in Revenue. The Revenue has grown by 18.96% in the last year.
USIO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.98% yearly.
EPS 1Y (TTM)80%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2QN/A
Revenue 1Y (TTM)18.96%
Revenue growth 3Y36.82%
Revenue growth 5Y26.98%
Revenue growth Q2Q-5.25%
3.2 Future
Based on estimates for the next years, USIO will show a very strong growth in Earnings Per Share. The EPS will grow by 184.96% 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 9.97% on average per year.
EPS Next Y394.68%
EPS Next 2Y184.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.42%
Revenue Next 2Y9.97%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for USIO. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 9.04, the valuation of USIO can be described as reasonable.
Based on the Price/Forward Earnings ratio, USIO is valued a bit cheaper than the industry average as 73.53% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of USIO to the average of the S&P500 Index (20.20), we can say USIO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.04 |
4.2 Price Multiples
USIO's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. USIO is more expensive than 64.71% of the companies in the same industry.
USIO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. USIO is cheaper than 96.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.16 | ||
| EV/EBITDA | 221.43 |
4.3 Compensation for Growth
USIO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as USIO's earnings are expected to grow with 184.96% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y184.96%
EPS Next 3YN/A
5. Dividend
5.1 Amount
USIO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
USIO INC
NASDAQ:USIO (5/17/2024, 7:00:01 PM)
1.66
+0.02 (+1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap44.47M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 9.04 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.44% | ||
| ROE | -3.15% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 22.51% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.77
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.05 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)80%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y394.68%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.96%
Revenue growth 3Y36.82%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y