Usio Inc (USIO)

Usio, Inc. is a common stock listing on the NASDAQ exchange. Through its subsidiaries, the company provides integrated electronic payment processing services to merchants and businesses in the United States. Its offerings include ACH transaction processing for electronic fund transfers, card-based processing for credit, prepaid, and debit transactions, and merchant account services that support payments through major card networks such as Visa, Mastercard, American Express, and Discover. Usio also operates a proprietary platform for handling e-check and card payments, along with an interactive voice response telephone payment system. In addition, the company provides prepaid and incentive card issuance, payment facilitation services, and related document and bill presentment services for sectors including utilities and financial institutions. Founded in 1998 and headquartered in San Antonio, Texas, the company was previously known as Payment Data Systems, Inc. until its name change in 2019.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Free Cash Flow / Net Income
NASDAQ-USIO
$2.35
2.5% Upside
Fair
$5.92
158.4% Upside
Bargain
Fair
0.0%
November 11, 2026
3.5x
0.7x
65.254 M
64.622 M
6.5%
70.2%
0.4
15.7%
Valuation • Fair Value

Usio Inc (NASDAQ-USIO) Fair Value by Valuation Model

Review the available estimates for Usio Inc (NASDAQ-USIO), including DCF Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$2.35

Estimated upside of 2.5% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

$2.48

Discounted cash flow valuation reference.

Comps Fair Value

$2.21

Comparable-company valuation reference.

Analyst Price Target

$5.92

Analysts imply upside of 158.4%.

How to read these valuation models

Use the 5 available valuation references for Usio Inc (NASDAQ-USIO) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Usio Inc (NASDAQ-USIO)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

92.568 M

Current operating scale indicator.

Revenue Forecast

97.933 M

Forward revenue estimate.

EBITDA

377.192 K

Current operating profitability reference.

EBITDA Forecast

4.475 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Usio Inc (NASDAQ-USIO) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Usio Inc (NASDAQ-USIO)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

1

Weak quality score that deserves closer review.

Beneish M-Score

-2.26

No elevated caution signal from this screen.

Altman Z-Score

0.4

Lower score that deserves closer risk review.

FCF / Net Income

15.7%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Usio Inc (NASDAQ-USIO). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Usio Inc (NASDAQ-USIO)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 11, 2026

Days to Earnings

50

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

This section helps investors track time-sensitive items for Usio Inc (NASDAQ-USIO), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Usio Inc (NASDAQ-USIO) Stock Forecast & Technical Outlook

Review Usio Inc (NASDAQ-USIO) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Usio Inc (NASDAQ-USIO) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Usio Inc (NASDAQ-USIO) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Usio Inc (NASDAQ-USIO) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Buy

The weekly technical read for Usio Inc (NASDAQ-USIO) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Usio Inc (NASDAQ-USIO) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Usio Inc (NASDAQ-USIO)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Usio Inc (NASDAQ-USIO) has a Strong Buy consensus, with 2 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 0
Sell 0
FAQ Fast Investor Answers

Usio Inc (NASDAQ-USIO) Stock FAQ

Data-supported answers about Usio Inc (NASDAQ-USIO), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$2.35
Estimated upside 2.5%
Valuation Rating
Undervalued
Estimated upside of 2.5%
Analyst Target
$5.92
Implied upside 158.4%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Usio Inc (NASDAQ-USIO) is $2.35. This implies an estimated upside of 2.5% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 2.5% versus the current market price.

The available analyst price target for Usio Inc (NASDAQ-USIO) is $5.92. The analyst target implies estimated upside of 158.4%.

The current financial health read for Usio Inc (NASDAQ-USIO) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Usio Inc (NASDAQ-USIO) is November 11, 2026.

The latest available data indicates no current dividend yield for Usio Inc (NASDAQ-USIO).

The current market capitalization listed for Usio Inc is 65.254 M.

The current enterprise value listed for Usio Inc is 64.622 M. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Usio Inc is NASDAQ-USIO, and the stock is listed on NASDAQ.

Usio Inc (NASDAQ-USIO) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Usio Inc is 6.5%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Usio Inc is 70.2%. Free float helps investors understand how much of the share base is available for public trading.