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USIO INC (USIO) Stock Fundamental Analysis

USA - NASDAQ:USIO - US9173131080 - Common Stock

1.43 USD
-0.04 (-2.72%)
Last: 11/12/2025, 4:01:59 PM
1.38 USD
-0.05 (-3.5%)
After Hours: 11/12/2025, 4:01:59 PM
Fundamental Rating

4

USIO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 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 is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

USIO had positive earnings in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M

1.2 Ratios

The Return On Assets of USIO (2.66%) is better than 67.01% of its industry peers.
Looking at the Return On Equity, with a value of 15.37%, USIO is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
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

USIO has a worse Profit Margin (3.43%) than 64.95% of its industry peers.
USIO's Gross Margin of 23.74% is in line compared to the rest of the industry. USIO outperforms 40.21% of its industry peers.
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.
Compared to 1 year ago, USIO has more shares outstanding
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

USIO has an Altman-Z score of 0.21. 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 0.21 is in line compared to the rest of the industry. USIO outperforms 45.36% of its industry peers.
The Debt to FCF ratio of USIO is 0.11, which is an excellent value as it means it would take USIO, only 0.11 years of fcf income to pay off all of its debts.
USIO has a better Debt to FCF ratio (0.11) than 89.69% 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 85.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.11
Altman-Z 0.21
ROIC/WACCN/A
WACC8.71%
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

USIO has a Current 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 Current ratio of 1.11 is in line compared to the rest of the industry. USIO outperforms 55.67% 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 55.67% of 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

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.
Looking at the last year, USIO shows a small growth in Revenue. The Revenue has grown by 4.44% 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)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

USIO is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -23.87% yearly.
USIO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.40% yearly.
EPS Next Y-102.32%
EPS Next 2Y-23.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.41%
Revenue Next 2Y9.4%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.30, the valuation of USIO can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of USIO is on the same level as its industry peers.
USIO is valuated rather cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.
USIO is valuated rather expensively with a Price/Forward Earnings ratio of 22.43.
67.01% of the companies in the same industry are cheaper than USIO, based on the Price/Forward Earnings ratio.
USIO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 33.72.
Industry RankSector Rank
PE 14.3
Fwd PE 22.43
USIO Price Earnings VS Forward Price EarningsUSIO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 65.98% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, USIO is valued cheaply inside the industry as 86.60% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.55
EV/EBITDA 66.37
USIO Per share dataUSIO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

A cheap valuation may be justified as USIO's earnings are expected to decrease with -23.87% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-23.87%
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 (11/12/2025, 4:01:59 PM)

After market: 1.38 -0.05 (-3.5%)

1.43

-0.04 (-2.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-12 2025-11-12/amc
Inst Owners26.64%
Inst Owner Change-1.95%
Ins Owners17.3%
Ins Owner Change6.51%
Market Cap37.90M
Revenue(TTM)83.85M
Net Income(TTM)2.88M
Analysts78.18
Price Target5.23 (265.73%)
Short Float %0.19%
Short Ratio0.48
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)0%
PT rev (3m)-6.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-67.85%
EPS NY rev (1m)-175.07%
EPS NY rev (3m)-106.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-9.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.3%
Valuation
Industry RankSector Rank
PE 14.3
Fwd PE 22.43
P/S 0.45
P/FCF 6.55
P/OCF 5.36
P/B 2.02
P/tB 2.07
EV/EBITDA 66.37
EPS(TTM)0.1
EY6.99%
EPS(NY)0.06
Fwd EY4.46%
FCF(TTM)0.22
FCFY15.27%
OCF(TTM)0.27
OCFY18.66%
SpS3.16
BVpS0.71
TBVpS0.69
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.26
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
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-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
WACC8.71%
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-102.32%
EPS Next 2Y-23.87%
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 Year6.41%
Revenue Next 2Y9.4%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y48.22%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year320.09%
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

USIO INC / USIO FAQ

What is the fundamental rating for USIO stock?

ChartMill assigns a fundamental rating of 4 / 10 to USIO.


What is the valuation status for USIO stock?

ChartMill assigns a valuation rating of 3 / 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 3 / 10.


Can you provide the financial health for USIO stock?

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


Can you provide the expected EPS growth for USIO stock?

The Earnings per Share (EPS) of USIO INC (USIO) is expected to decline by -102.32% in the next year.