Usio, Inc. Common Stock (USIO)

Price$1.21

Favorite Metrics

Price vs S&P 500 (26W)-22.22%

Price vs S&P 500 (4W)6.70%

Market Capitalization$33.85M

P/E Ratio (Annual)9.64x

All Metrics

P/CF (Annual)22.36x

Book Value / Share (Quarterly)$0.65

P/TBV (Annual)2.07x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)7.14%

Cash Flow / Share (Quarterly)$-0.00

Price vs S&P 500 (YTD)-14.43%

Gross Margin (TTM)23.06%

Net Profit Margin (TTM)-2.94%

EPS (TTM)$-0.09

10-Day Avg Trading Volume0.02M

EPS Excl Extra (TTM)$-0.09

Revenue Growth (5Y)21.50%

EPS (Annual)$-0.09

ROI (Annual)-13.03%

Gross Margin (Annual)23.06%

Net Profit Margin (5Y Avg)-1.59%

Cash / Share (Quarterly)$0.44

Revenue Growth QoQ (YoY)8.19%

P/E Normalized (Annual)9.64x

ROA (Last FY)-1.86%

Revenue Growth TTM (YoY)3.78%

EBITD / Share (TTM)$-0.02

ROE (5Y Avg)-8.21%

Operating Margin (TTM)-2.76%

Cash Flow / Share (Annual)$-0.00

P/B Ratio1.89x

P/B Ratio (Quarterly)2.07x

Net Income / Employee (Annual)$-0

EV / Revenue (TTM)0.27x

Net Interest Coverage (TTM)-20.50x

ROA (TTM)-2.22%

EV / EBITDA (TTM)13.31x

EPS Incl Extra (Annual)$-0.09

Current Ratio (Annual)1.08x

Quick Ratio (Quarterly)1.07x

3-Month Avg Trading Volume0.05M

52-Week Price Return-19.21%

EV / Free Cash Flow (Annual)10.55x

Revenue / Employee (TTM)$1

Tangible BV / Share (Quarterly)$0.65

P/S Ratio (Annual)0.40x

Asset Turnover (Annual)0.63x

52-Week High$2.02

Operating Margin (5Y Avg)-2.57%

EPS Excl Extra (Annual)$-0.09

CapEx CAGR (5Y)12.32%

Tangible BV CAGR (5Y)10.84%

26-Week Price Return-13.48%

Quick Ratio (Annual)1.07x

13-Week Price Return-10.95%

Total Debt / Equity (Annual)0.08x

Current Ratio (Quarterly)1.08x

Enterprise Value$22.985

Revenue / Share Growth (5Y)8.70%

Asset Turnover (TTM)0.76x

Book Value / Share Growth (5Y)-0.67%

Revenue / Employee (Annual)$1

Inventory Turnover (Annual)151.83x

Pretax Margin (Annual)-2.34%

Cash / Share (Annual)$0.44

3-Month Return Std Dev43.00%

Gross Margin (5Y Avg)23.45%

Net Income / Employee (TTM)$-0

ROE (Last FY)-14.03%

Net Interest Coverage (Annual)-2.67x

EPS Basic Excl Extra (Annual)$-0.09

P/FCF (TTM)3.00x

Receivables Turnover (TTM)16.54x

EV / Free Cash Flow (TTM)51.71x

Total Debt / Equity (Quarterly)0.08x

EPS Incl Extra (TTM)$-0.09

Receivables Turnover (Annual)16.54x

ROI (TTM)-12.91%

P/S Ratio (TTM)0.40x

Pretax Margin (5Y Avg)-1.89%

Revenue / Share (Annual)$3.17

Tangible BV / Share (Annual)$0.65

Price vs S&P 500 (52W)-54.30%

Year-to-Date Return-10.29%

5-Day Price Return5.17%

EPS Normalized (Annual)$-0.09

ROA (5Y Avg)-1.01%

Net Profit Margin (Annual)-2.94%

Month-to-Date Return7.02%

Cash Flow / Share (TTM)$0.06

EBITD / Share (Annual)$-0.02

Operating Margin (Annual)-2.76%

LT Debt / Equity (Annual)0.06x

P/CF (TTM)22.36x

ROI (5Y Avg)-8.05%

LT Debt / Equity (Quarterly)0.06x

EPS Basic Excl Extra (TTM)$-0.09

P/TBV (Quarterly)2.07x

P/B Ratio (Annual)2.07x

Inventory Turnover (TTM)151.83x

Pretax Margin (TTM)-2.34%

Book Value / Share (Annual)$0.65

Price vs S&P 500 (13W)-13.81%

Beta1.37x

P/FCF (Annual)17.78x

Revenue / Share (TTM)$3.10

ROE (TTM)-13.52%

52-Week Low$1.03

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

3.91

Industry Peers — Federal Credit Unions(2)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
USIOUsio, Inc. Common Stock	2.07x	-13.52%	-2.22%	-20.50x	$1.21
EEFTEuronet Worldwide Inc	2.45x	23.70%	4.88%	6.49x	$75.22
LSAKLesaka Technologies, Inc. Common Stock	2.22x	-29.49%	-7.78%	-0.34x	$4.92

About

Usio provides integrated payment processing services to billers and retailers, including credit and debit card transaction processing and ACH payment solutions. The company operates through its core payment platform and wholly-owned Output Solutions subsidiary.