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1.13 USD
P/E
13.18
EPS
-0.09
P/B
1.75
ROE
-13.56
Beta
1.32
Target Price
5.06 USD
Usio, Inc. logo

Usio, Inc.

🧾 Earnings Recap – Q3 2025

Usio delivered a strong third quarter in fiscal 2025, marked by record processing volumes and solid profits, positioning the company for a significant uptick in growth entering 2026.

  • Achieved record overall transaction volume of 16.2 million, up 8% year-over-year, evidencing robust demand across services.
  • ACH business grew impressively by 30% year-over-year, contributing to improved margins and profitability.
  • Adjusted EBITDA remained positive at $368,000, with operating cash flow of $1.4 million, highlighting continued financial stability.
  • Significant progress in client implementations, with a growing pipeline that positions Usio well for future revenue growth.
  • Ongoing investments in new technology and products, including innovative payment solutions, reinforce strategic momentum heading into 2026.
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Key Metrics
Earnings dateMay 13, 2026
P/E13.18
EPS-0.09
Book Value0.65
Price to Book1.75
Debt/Equity21.72
% Insiders27.706%
Growth
Revenue Growth0.08%
Estimates
Forward P/E-37.67
Forward EPS-0.03
Target Mean Price5.06

DCF Valuation

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Usio, Inc. Logo Usio, Inc. Analysis (USIO)

United States Information Technology Official Website Stock

Is Usio, Inc. a good investment? Usio, Inc. (USIO) is currently trading at 1.13 USD. Market analysts have a consensus price target of 5.06 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 13.18. This relatively low multiple may signal that Usio, Inc. is undervalued compared to historical market norms.

Earnings Schedule: Usio, Inc. is expected to release its next earnings report on May 13, 2026. The market consensus estimate for Forward EPS is -0.03.

Investor FAQ

Does Usio, Inc. pay a dividend?

No, it does not currently pay a dividend.

What asset class is Usio, Inc.?

Usio, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be May 13, 2026. The company currently has a trailing EPS of -0.09.

Company Profile

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic payment processing services to merchants and businesses, including credit, and debit card-based processing services and electronic funds transfer through the ACH network. In addition, it offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, and Discover supported by online and physical terminal access. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a payment facilitation platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.

Exchange Ticker
NCM (Australia) USIO

Dividends

Historical Split Corporate Actions

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