Usio, Inc. (USIO) AI Stock Analysis

Usio, Inc., based in San Antonio, Texas, provides integrated electronic payment processing services to businesses and merchants across the United States. Its offerings include automated clearing house (ACH) processing services, enabling accounts receivable check conversion and processing of non-sufficient funds checks into e-checks. The company also delivers merchant account services that support credit, prepaid, and debit card transactions across networks like VISA, MasterCard, American Express, Discover, and JCB. Usio serves clients through web-based platforms, physical terminals, interactive voice response (IVR) telephone payment systems, and proprietary applications for recurring and one-time payments.

Usio increased annual revenue from $61.9M in FY2021 to $85.4M in FY2025, recording a 5-year revenue CAGR of 21.5%. Profitability has fluctuated over this span, with net income moving from -$321,634 in FY2021 to -$5.5M in FY2022, rebounding to $3.3M in FY2024, and dropping back to -$2.5M in FY2025. Gross margin was 23.1% in FY2025 compared to 25.2% in FY2021. For the trailing twelve months, revenue reached $92.6M with an EPS of -$0.06. In the latest quarter ended June 30, 2026, quarterly revenue grew 18.6% year-over-year, while quarterly earnings declined 63.3%.

As of June 30, 2026, Usio held $6.4M in cash and short-term investments and $3.7M in total debt, resulting in net cash of $2.7M. Shareholders' equity stood at $18.8M against total assets of $123.8M, yielding a debt-to-equity ratio of 0.20 and a current ratio of 1.10. In FY2025, the company produced operating cash flow of $1.5M and free cash flow of $1.1M. Capital allocation in FY2025 included $435,014 for capital expenditures and $1.1M deployed toward share buybacks.

At a market capitalization of $80.4M and an enterprise value of $62.9M, Usio trades at a forward P/E of 151.5x, significantly higher than the 18.8x median of its US-listed Technology peers. Its enterprise value to EBITDA ratio sits at 79.9x compared to the peer median of 16.6x, while its price-to-sales multiple of 0.9x remains below the peer median of 2.8x. Over the past year, USIO shares gained 102.9%, surpassing the S&P 500 return of 16.8%, although its 5-year return is -52.1% against 83.0% for the S&P 500.

Wall Street coverage consists of 2 Strong Buy ratings, 1 Buy rating, and zero Hold or Sell ratings. The mean price target of $5.92 suggests an upside of 109.8% from the last close of $2.82. For the fiscal year ending December 31, 2026, analysts project revenue of $97.8M and EPS of $0.09. For the following fiscal year, 2 analysts expect revenue of $109.6M and EPS of $0.17. Over the last 4 quarters, Usio beat EPS estimates 2 times. The next earnings date is November 11, 2026.

This page is an AI-written research summary of Usio, Inc. (USIO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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