Usio, Inc. Common Stock (USIO)

Price$1.81

Value ScoreD

Growth ScoreD

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)13.48%

Price vs S&P 500 (4W)8.94%

VGM Score47.42

Market Capitalization$45.53M

P/E Ratio (Annual)9.64x

All Metrics

P/CF (Annual)30.08x

Book Value / Share (Quarterly)$0.66

P/TBV (Annual)2.07x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)7.14%

Cash Flow / Share (Quarterly)$-0.03

Price vs S&P 500 (YTD)17.55%

Gross Margin (TTM)22.53%

Net Profit Margin (TTM)-2.43%

EPS (TTM)$-0.08

10-Day Avg Trading Volume0.08M

EPS Excl Extra (TTM)$-0.08

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)$0.45

Revenue Growth QoQ (YoY)15.71%

P/E Normalized (Annual)9.64x

ROA (Last FY)-1.86%

Revenue Growth TTM (YoY)5.81%

EBITD / Share (TTM)$-0.01

ROE (5Y Avg)-8.21%

Operating Margin (TTM)-2.13%

Cash Flow / Share (Annual)$-0.00

P/B Ratio2.51x

P/B Ratio (Quarterly)1.74x

Net Income / Employee (Annual)$-23,500

EV / Revenue (TTM)0.39x

Net Interest Coverage (TTM)-20.50x

ROA (TTM)-1.86%

EV / EBITDA (TTM)140.71x

EPS Incl Extra (Annual)$-0.09

Current Ratio (Annual)1.08x

Quick Ratio (Quarterly)1.07x

3-Month Avg Trading Volume0.06M

52-Week Price Return20.42%

EV / Free Cash Flow (Annual)10.55x

Revenue / Employee (TTM)$830,400

Tangible BV / Share (Quarterly)$0.66

P/S Ratio (Annual)0.53x

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 Return21.28%

Quick Ratio (Annual)1.07x

13-Week Price Return36.80%

Total Debt / Equity (Annual)0.08x

Current Ratio (Quarterly)1.09x

Enterprise Value$34.51M

Revenue / Share Growth (5Y)8.70%

Asset Turnover (TTM)0.77x

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

Revenue / Employee (Annual)$798,100

Inventory Turnover (Annual)151.83x

Pretax Margin (Annual)-2.34%

Cash / Share (Annual)$0.44

3-Month Return Std Dev72.53%

Gross Margin (5Y Avg)23.45%

Net Income / Employee (TTM)$-20,100

ROE (Last FY)-14.03%

Net Interest Coverage (Annual)-2.67x

EPS Basic Excl Extra (Annual)$-0.09

P/FCF (TTM)136.69x

Receivables Turnover (TTM)17.79x

EV / Free Cash Flow (TTM)51.71x

Total Debt / Equity (Quarterly)0.07x

EPS Incl Extra (TTM)$-0.08

Receivables Turnover (Annual)16.54x

ROI (TTM)-11.10%

P/S Ratio (TTM)0.51x

Pretax Margin (5Y Avg)-1.89%

Revenue / Share (Annual)$3.17

Tangible BV / Share (Annual)$0.65

Forward P/E111.09x

Price vs S&P 500 (52W)-2.26%

Year-to-Date Return25.74%

5-Day Price Return13.24%

EPS Normalized (Annual)$-0.09

ROA (5Y Avg)-1.01%

Net Profit Margin (Annual)-2.94%

Month-to-Date Return6.21%

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)41.92x

ROI (5Y Avg)-8.05%

LT Debt / Equity (Quarterly)0.05x

EPS Basic Excl Extra (TTM)$-0.08

P/TBV (Quarterly)1.74x

P/B Ratio (Annual)2.07x

Inventory Turnover (TTM)185.69x

Pretax Margin (TTM)-1.73%

Book Value / Share (Annual)$0.65

Price vs S&P 500 (13W)27.72%

Beta1.41x

P/FCF (Annual)23.91x

Revenue / Share (TTM)$3.20

ROE (TTM)-11.73%

52-Week Low$1.03

vGradeD

gGradeD

mGradeB

vgmGradeC

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Earnings Surprise History

Q1 260.00est. -0.02

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

3.91

3.90

Industry Peers — Federal Credit Unions(2)

Symbol	Value Score	Growth Score	Momentum Score	Price
USIOUsio, Inc. Common Stock	D	D	B	$1.81
EEFTEuronet Worldwide Inc	A	D	F	$66.66
LSAKLesaka Technologies, Inc. Common Stock	C	C	D	$4.70

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.