USIO INC (USIO) Fundamental Analysis & Valuation

NASDAQ:USIO • US9173131080

Current stock price

1.22 USD
-0.04 (-3.17%)
At close:
1.24 USD
+0.02 (+1.64%)
After Hours:

This USIO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. USIO Profitability Analysis

1.1 Basic Checks

  • In the past year USIO has reported negative net income.
  • USIO had a positive operating cash flow in the past year.
  • 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -0.39%, USIO is doing worse than 76.53% of the companies in the same industry.
  • USIO's Return On Equity of -2.08% is on the low side compared to the rest of the industry. USIO is outperformed by 74.49% of its industry peers.
Industry RankSector Rank
ROA -0.39%
ROE -2.08%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

1.3 Margins

  • USIO has a Gross Margin of 23.75%. This is in the lower half of the industry: USIO underperforms 60.20% of its industry peers.
  • In the last couple of years the Gross Margin of USIO has grown nicely.
  • The Profit Margin and Operating Margin are not available for USIO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 23.75%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 30

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5

2. USIO Health Analysis

2.1 Basic Checks

  • USIO does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, USIO has more shares outstanding
  • The number of shares outstanding for USIO has been increased compared to 5 years ago.
  • Compared to 1 year ago, USIO has an improved debt to assets ratio.
USIO Yearly Shares OutstandingUSIO Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

  • USIO has an Altman-Z score of 0.19. This is a bad value and indicates that USIO is not financially healthy and even has some risk of bankruptcy.
  • USIO's Altman-Z score of 0.19 is in line compared to the rest of the industry. USIO outperforms 43.88% of its industry peers.
  • The Debt to FCF ratio of USIO is 0.08, which is an excellent value as it means it would take USIO, only 0.08 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.08, 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 better Debt to Equity ratio (0.03) than 82.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.08
Altman-Z 0.19
ROIC/WACCN/A
WACC8.84%
USIO Yearly LT Debt VS Equity VS FCFUSIO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

2.3 Liquidity

  • A Current Ratio of 1.13 indicates that USIO should not have too much problems paying its short term obligations.
  • USIO has a Current ratio (1.13) which is in line with its industry peers.
  • A Quick Ratio of 1.12 indicates that USIO should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.12, USIO perfoms like the industry average, outperforming 59.18% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.12
USIO Yearly Current Assets VS Current LiabilitesUSIO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. USIO Growth Analysis

3.1 Past

  • USIO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -122.22%.
  • USIO shows a small growth in Revenue. In the last year, the Revenue has grown by 3.24%.
  • The Revenue has been growing by 24.08% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-122.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-120%
Revenue 1Y (TTM)3.24%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.66%

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 -33.63% on average per year.
  • The Revenue is expected to grow by 7.88% on average over the next years.
EPS Next Y-125.5%
EPS Next 2Y-33.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.05%
Revenue Next 2Y7.88%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
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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2

4. USIO Valuation Analysis

4.1 Price/Earnings Ratio

  • USIO reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • A Price/Forward Earnings ratio of 25.18 indicates a quite 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 69.39% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, USIO is valued at the same level.
Industry RankSector Rank
PE N/A
Fwd PE 25.18
USIO Price Earnings VS Forward Price EarningsUSIO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40 -60

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, USIO is valued a bit more expensive than 64.29% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, USIO is valued cheaply inside the industry as 96.94% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 3.17
EV/EBITDA 92.27
USIO Per share dataUSIO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

  • A cheap valuation may be justified as USIO's earnings are expected to decrease with -33.63% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-33.63%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. USIO Dividend Analysis

5.1 Amount

  • USIO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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USIO Fundamentals: All Metrics, Ratios and Statistics

USIO INC

NASDAQ:USIO (3/13/2026, 8:01:51 PM)

After market: 1.24 +0.02 (+1.64%)

1.22

-0.04 (-3.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)03-18
Inst Owners16.81%
Inst Owner Change-37.59%
Ins Owners16.67%
Ins Owner Change-0.69%
Market Cap33.32M
Revenue(TTM)83.71M
Net Income(TTM)-387.80K
Analysts78.18
Price Target5.23 (328.69%)
Short Float %0.07%
Short Ratio0.25
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-179.74%
Min EPS beat(2)-361.44%
Max EPS beat(2)1.96%
EPS beat(4)2
Avg EPS beat(4)-6.53%
Min EPS beat(4)-361.44%
Max EPS beat(4)492.16%
EPS beat(8)4
Avg EPS beat(8)82.03%
EPS beat(12)6
Avg EPS beat(12)-25.95%
EPS beat(16)7
Avg EPS beat(16)-72.88%
Revenue beat(2)0
Avg Revenue beat(2)-9.75%
Min Revenue beat(2)-13.07%
Max Revenue beat(2)-6.44%
Revenue beat(4)0
Avg Revenue beat(4)-6.38%
Min Revenue beat(4)-13.07%
Max Revenue beat(4)-1.89%
Revenue beat(8)0
Avg Revenue beat(8)-5.46%
Revenue beat(12)3
Avg Revenue beat(12)-2.75%
Revenue beat(16)5
Avg Revenue beat(16)-1.87%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-57.14%
Revenue NQ rev (1m)1.09%
Revenue NQ rev (3m)1.09%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 25.18
P/S 0.4
P/FCF 3.17
P/OCF 2.79
P/B 1.78
P/tB 1.8
EV/EBITDA 92.27
EPS(TTM)-0.02
EYN/A
EPS(NY)0.05
Fwd EY3.97%
FCF(TTM)0.38
FCFY31.51%
OCF(TTM)0.44
OCFY35.81%
SpS3.07
BVpS0.68
TBVpS0.68
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -0.39%
ROE -2.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 23.75%
FCFM 12.54%
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-Score6
Asset Turnover0.84
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.08
Debt/EBITDA 2.43
Cap/Depr 73.51%
Cap/Sales 1.71%
Interest Coverage N/A
Cash Conversion 4866.56%
Profit Quality N/A
Current Ratio 1.13
Quick Ratio 1.12
Altman-Z 0.19
F-Score6
WACC8.84%
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)-122.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-120%
EPS Next Y-125.5%
EPS Next 2Y-33.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.24%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.66%
Revenue Next Year4.05%
Revenue Next 2Y7.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y25.54%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year271.56%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-77.44%
FCF growth 3Y-59.43%
FCF growth 5YN/A
OCF growth 1Y-74.78%
OCF growth 3Y-54.01%
OCF growth 5YN/A

USIO INC / USIO Fundamental Analysis FAQ

What is the fundamental rating for USIO stock?

ChartMill assigns a fundamental rating of 3 / 10 to USIO.


What is the valuation status of USIO INC (USIO) stock?

ChartMill assigns a valuation rating of 2 / 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 1 / 10.


What is the financial health of USIO INC (USIO) stock?

The financial health rating of USIO INC (USIO) is 5 / 10.


What is the expected EPS growth for USIO INC (USIO) stock?

The Earnings per Share (EPS) of USIO INC (USIO) is expected to decline by -125.5% in the next year.