Usio Inc (USIO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Usio Inc stock (USIO) is currently trading at $1.15. Usio Inc PS ratio (Price-to-Sales) is 0.37. Analyst consensus price target for USIO is $5.06. WallStSmart rates USIO as Sell.
- USIO PE ratio analysis and historical PE chart
- USIO PS ratio (Price-to-Sales) history and trend
- USIO intrinsic value — DCF, Graham Number, EPV models
- USIO stock price prediction 2025 2026 2027 2028 2029 2030
- USIO fair value vs current price
- USIO insider transactions and insider buying
- Is USIO undervalued or overvalued?
- Usio Inc financial analysis — revenue, earnings, cash flow
- USIO Piotroski F-Score and Altman Z-Score
- USIO analyst price target and Smart Rating
Usio Inc
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Smart Analysis
Usio Inc (USIO) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Usio Inc (USIO) Key Strengths (3)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Trading at 1.75x book value, attractively priced
Supporting Valuation Data
Usio Inc (USIO) Areas to Watch (7)
Company is destroying shareholder value
Losing money on operations
Earnings declining -63.30%, profits shrinking
Company is losing money with a negative profit margin
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 8.20%
Low institutional interest, mostly retail-driven
Supporting Valuation Data
Usio Inc (USIO) Detailed Analysis Report
Overall Assessment
This company scores 42/100 in our Smart Analysis, earning a D grade. Out of 10 metrics analyzed, 3 register as strengths (avg 9.3/10) while 7 fall into concern territory (avg 1.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, Price/Book. Valuation metrics including PEG Ratio (0.95), Price/Sales (0.37), Price/Book (1.75) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, EPS Growth. Growth concerns include Revenue Growth at 8.20%, EPS Growth at -63.30%, which may limit upside. Profitability pressure is visible in Return on Equity at -13.60%, Operating Margin at -5.66%, Profit Margin at -2.94%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -13.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
USIO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
USIO's Price-to-Sales ratio of 0.37x sits near its historical average of 0.41x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 18% below its historical high of 0.45x set in Mar 2026, and 8% above its historical low of 0.34x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~0.4x as trailing revenue scaled faster than the stock price.
Compare USIO with Competitors
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Data-driven financial summary for Usio Inc (USIO) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
Usio Inc is in a turnaround phase, with management focused on restoring profitability. Revenue reached 85M with 8% growth year-over-year. The company is currently unprofitable, posting a -294.0% profit margin.
Key Findings
The company is unprofitable with a -294.0% profit margin. The path to breakeven will be the key catalyst.
Free cash flow is -435.0B, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact Usio Inc.
Bottom Line
Usio Inc is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Usio Inc(USIO)
NASDAQ
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
Usio, Inc., provides integrated electronic payment processing services to merchants and businesses in the United States. The company is headquartered in San Antonio, Texas.