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 101 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
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
USIO has a better Return On Assets (3.03%) than 64.36% of its industry peers.
USIO has a better Return On Equity (17.48%) than 80.20% 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
USIO has a Profit Margin of 3.95%. This is in the lower half of the industry: USIO underperforms 63.37% of its industry peers.
USIO has a Gross Margin (23.31%) which is in line with 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.
The number of shares outstanding for USIO has been increased compared to 5 years ago.
The debt/assets ratio for USIO has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.29, we must say that USIO is in the distress zone and has some risk of bankruptcy.
USIO's Altman-Z score of 0.29 is in line compared to the rest of the industry. USIO outperforms 47.52% of its industry peers.
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 better Debt to FCF ratio (0.12) than 92.08% 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's Debt to Equity ratio of 0.03 is amongst the best of the industry. USIO outperforms 88.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.12 | ||
| Altman-Z | 0.29 |
ROIC/WACCN/A
WACC8.81%
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 has a Current ratio (1.12) which is comparable to the rest of the industry.
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's Quick ratio of 1.11 is in line compared to the rest of the industry. USIO outperforms 53.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.12 | ||
| Quick Ratio | 1.11 |
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.
USIO shows a decrease in Revenue. In the last year, the revenue decreased by -1.35%.
Measured over the past years, USIO shows a very strong growth in Revenue. The Revenue has been growing by 24.08% on average per year.
EPS 1Y (TTM)300%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)-1.35%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.59%
3.2 Future
The Earnings Per Share is expected to grow by 15.28% on average over the next years. This is quite good.
USIO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.41% yearly.
EPS Next Y-66%
EPS Next 2Y15.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.57%
Revenue Next 2Y13.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.65 indicates a rather expensive valuation of USIO.
The rest of the industry has a similar Price/Earnings ratio as USIO.
Compared to an average S&P500 Price/Earnings ratio of 26.99, USIO is valued a bit cheaper.
With a Price/Forward Earnings ratio of 12.76, USIO is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USIO is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 36.36. USIO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.65 | ||
| Fwd PE | 12.76 |
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 63.37% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of USIO indicates a rather cheap valuation: USIO is cheaper than 80.20% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.33 | ||
| EV/EBITDA | 54.85 |
4.3 Compensation for Growth
USIO's earnings are expected to grow with 15.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y15.28%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for USIO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.865
-0.03 (-1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners26.97%
Inst Owner Change0.89%
Ins Owners15.41%
Ins Owner Change0.62%
Market Cap49.44M
Analysts78.18
Price Target5.61 (200.8%)
Short Float %0.2%
Short Ratio0.49
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)0%
PT rev (3m)-13.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-249.92%
EPS NY rev (1m)0%
EPS NY rev (3m)-63.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.55%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.65 | ||
| Fwd PE | 12.76 | ||
| P/S | 0.59 | ||
| P/FCF | 8.33 | ||
| P/OCF | 7 | ||
| P/B | 2.6 | ||
| P/tB | 2.7 | ||
| EV/EBITDA | 54.85 |
EPS(TTM)0.1
EY5.36%
EPS(NY)0.15
Fwd EY7.84%
FCF(TTM)0.22
FCFY12%
OCF(TTM)0.27
OCFY14.28%
SpS3.17
BVpS0.72
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 | 0.29 |
F-Score8
WACC8.81%
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%N/A
EPS Next Y-66%
EPS Next 2Y15.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.35%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.59%
Revenue Next Year13.57%
Revenue Next 2Y13.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y49.94%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year410.59%
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