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Usio, Inc. (USIO)

2.7500 +0.0100 (+0.36%)
At close: September 4 at 4:00:00 PM EDT
2.7200 -0.0300 (-1.09%)
After hours: September 4 at 6:21:28 PM EDT
Chart Range Bar
Loading chart for USIO
  • Previous Close 2.7400
  • Open 2.7400
  • Bid 1.5900 x 200
  • Ask 2.9500 x 200
  • Day's Range 2.7300 - 2.8300
  • 52 Week Range 1.0300 - 3.0600
  • Volume 194,900
  • Avg. Volume 315,819
  • Market Cap (intraday) 78.362M
  • Beta (5Y Monthly) 1.35
  • PE Ratio (TTM) --
  • EPS (TTM) -0.0600
  • Earnings Date Nov 11, 2026
  • Forward Dividend & Yield --
  • Ex-Dividend Date --
  • 1y Target Est 5.92

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic payment processing services to merchants and businesses, including credit, and debit card-based processing services and electronic funds transfer through the ACH network. In addition, it offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, and Discover supported by online and physical terminal access. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a payment facilitation platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.

usio.com

107

Full Time Employees

December 31

Fiscal Year Ends

Technology

Sector

Performance Overview

Trailing total returns as of 9/4/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

USIO
102.21%
S&P 500 (^GSPC)
12.75%

1-Year Return

USIO
93.66%
S&P 500 (^GSPC)
18.71%

3-Year Return

USIO
62.72%
S&P 500 (^GSPC)
70.93%

5-Year Return

USIO
56.28%
S&P 500 (^GSPC)
70.18%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q1 FY26
Revenue 25.47M
Earnings 122.5k
Profit Margin 0.48%

Q2

FY25

Q3

FY25

Q4

FY25

Q1

FY26

0
5M
10M
15M
20M
25M
-6.0%
-4.0%
-2.0%
0.0%

Analyst Insights

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Analyst Price Targets

5.00
5.92 Average
2.7500 Current
6.75 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 8/13/2026
Analyst Ladenburg Thalmann
Rating Action Maintains
Rating Buy
Price Action Raises
Price Target 6.25 -> 6.75

Statistics

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Valuation Measures

Annual
As of 9/2/2026
  • Market Cap

    81.78M

  • Enterprise Value

    80.01M

  • Trailing P/E

    --

  • Forward P/E

    192.31

  • PEG Ratio (5yr expected)

    --

  • Price/Sales (ttm)

    0.85

  • Price/Book (mrq)

    4.35

  • Enterprise Value/Revenue

    0.86

  • Enterprise Value/EBITDA

    101.65

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    -1.63%

  • Return on Assets (ttm)

    -0.60%

  • Return on Equity (ttm)

    -8.04%

  • Revenue (ttm)

    92.57M

  • Net Income Avi to Common (ttm)

    -1.51M

  • Diluted EPS (ttm)

    -0.0600

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    6.39M

  • Total Debt/Equity (mrq)

    24.55%

  • Levered Free Cash Flow (ttm)

    -559.65k

Compare

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Company Insights

Fair Value

2.7500 Current

Dividend Score

0 Low
Sector Avg.
100 High

Hiring Score

0 Low
Sector Avg.
100 High

Insider Sentiment Score

0 Low
Sector Avg.
100 High

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