Usio Financials

USIO Stock  USD 1.46  0.05  3.31%   
Based on the analysis of Usio's profitability, liquidity, and operating efficiency, Usio Inc is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April. At this time, Usio's Accounts Payable is very stable compared to the past year. As of the 18th of March 2025, Non Current Assets Total is likely to grow to about 11.7 M, while Net Debt is likely to drop (3.6 M). Key indicators impacting Usio's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.210.2
Sufficiently Up
Slightly volatile
Current Ratio1.391.25
Moderately Up
Very volatile
The essential information of the day-to-day investment outlook for Usio includes many different criteria found on its balance sheet. An individual investor should monitor Usio's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Usio.

Net Income

(573,688)

  

Usio Stock Summary

Usio competes with Appen, Appen, Direct Communication, Capgemini, and Quisitive Technology. Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas. Usio operates under Information Technology Services classification in the United States and is traded on NASDAQ Exchange. It employs 108 people.
Specialization
Financials, Software - Infrastructure
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9173131080
CUSIP917313108 70438S202 090181108 70438S103
LocationTexas; U.S.A
Business Address3611 Paesanos Parkway,
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.usio.com
Phone210 249 4100
CurrencyUSD - US Dollar

Usio Key Financial Ratios

Usio Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets82.7M133.7M97.9M106.9M123.0M129.1M
Other Current Liab61.7M110.2M78.2M85.3M98.1M103.0M
Net Debt(2.2M)(4.1M)(2.7M)(3.8M)(3.4M)(3.6M)
Retained Earnings(65.1M)(65.4M)(70.9M)(71.3M)(64.2M)(67.4M)
Accounts Payable851.3K1.4M858.6K1.0M1.2M1.2M
Cash5.0M7.3M5.7M7.2M8.2M6.8M
Net Receivables2.9M5.0M4.4M5.6M6.4M6.7M
Other Current Assets60.7M108.2M76.4M84.1M96.7M101.5M
Total Liab66.0M115.0M84.0M91.9M105.6M110.9M
Total Current Assets69.1M121.3M87.4M97.2M111.8M117.4M
Short Term Debt693.8K558.8K673.7K740.9K852.0K809.4K
Common Stock194.7K195.2K195.5K197.1K226.7K130.9K
Intangible Assets6.0M4.2M2.6M1.7M2.0M2.3M
Inventory176.5K434.5K507.4K422.8K380.5K361.5K
Other Assets4.4M1.8M(1.0)1.00.90.86
Capital Surpluse74.6M77.1M89.7M94.0M108.2M82.6M
Net Tangible Assets4.9M10.7M14.5M11.3M13.0M10.1M
Treasury Stock(1.8M)(1.9M)(2.2M)(3.7M)(3.4M)(3.2M)
Net Invested Capital16.7M18.8M14.0M15.9M18.3M15.0M
Net Working Capital5.6M8.8M5.8M8.0M9.2M5.8M
Capital Stock194.7K195.2K195.5K197.1K226.7K211.7K

Usio Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense1.7M4.3K4.1K5.2K6.0K5.7K
Total Revenue32.3M61.9M69.4M82.6M95.0M99.7M
Gross Profit7.4M15.6M14.6M18.6M21.4M22.5M
Operating Income(3.8M)(147.5K)(5.2M)(1.9M)(2.2M)(2.3M)
Ebit(3.8M)(147.5K)(5.2M)(177.4K)(204.0K)(214.2K)
Ebitda(2.2M)2.5M(2.5M)1.9M2.2M2.3M
Cost Of Revenue24.9M46.3M54.8M64.0M73.6M77.3M
Income Before Tax(2.9M)(151.8K)(5.2M)(182.6K)(210.0K)(220.5K)
Net Income(2.9M)(321.6K)(5.5M)(475.1K)(546.4K)(573.7K)
Income Tax Expense23.1K169.9K280K292.5K336.4K353.2K
Tax Provision23.1K169.9K280K292.5K336.4K353.2K
Interest Income59.4K7.6K15.2K834.6K959.8K1.0M
Net Interest Income59.4K3.3K11.2K832.2K957.1K1.0M

Usio Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash9.5M29.4M(19.2M)13.6M15.6M16.4M
Free Cash Flow5.4M28.5M(17.8M)14.1M16.2M17.0M
Depreciation1.5M2.6M2.7M2.1M2.4M2.5M
Other Non Cash Items35.9K187.9K21.0K(123.6K)(111.2K)(105.6K)
Capital Expenditures855.4K1.3M812.2K835.0K751.5K411.1K
Net Income(2.9M)(321.6K)(5.5M)(475.1K)(546.4K)(573.7K)
End Period Cash Flow22.2M51.6M32.3M45.9M52.8M55.4M
Change To Netincome1.4M1.5M1.6M2.1M2.4M1.6M
Investments(6.8M)(1.3M)(812.2K)(756.9K)(681.2K)(715.3K)

Usio Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Usio's current stock value. Our valuation model uses many indicators to compare Usio value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Usio competition to find correlations between indicators driving Usio's intrinsic value. More Info.
Usio Inc is rated first in return on equity category among its peers. It is rated first in return on asset category among its peers . At this time, Usio's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Usio's earnings, one of the primary drivers of an investment's value.

Usio Inc Systematic Risk

Usio's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Usio volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was five with a total number of output elements of fifty-six. The Beta measures systematic risk based on how returns on Usio Inc correlated with the market. If Beta is less than 0 Usio generally moves in the opposite direction as compared to the market. If Usio Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Usio Inc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Usio is generally in the same direction as the market. If Beta > 1 Usio moves generally in the same direction as, but more than the movement of the benchmark.

Usio Thematic Clasifications

Usio Inc is part of several thematic ideas from Software to Computers. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Usio Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Usio's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Usio growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.75

At this time, Usio's Price Earnings To Growth Ratio is very stable compared to the past year.

Usio March 18, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Usio help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Usio Inc. We use our internally-developed statistical techniques to arrive at the intrinsic value of Usio Inc based on widely used predictive technical indicators. In general, we focus on analyzing Usio Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Usio's daily price indicators and compare them against related drivers.
When determining whether Usio Inc offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Usio's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Usio Inc Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Usio Inc Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Usio Inc. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.
Is Transaction & Payment Processing Services space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Usio. If investors know Usio will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Usio listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.63)
Earnings Share
0.1
Revenue Per Share
3.977
Quarterly Revenue Growth
0.016
Return On Assets
(0.01)
The market value of Usio Inc is measured differently than its book value, which is the value of Usio that is recorded on the company's balance sheet. Investors also form their own opinion of Usio's value that differs from its market value or its book value, called intrinsic value, which is Usio's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Usio's market value can be influenced by many factors that don't directly affect Usio's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Usio's value and its price as these two are different measures arrived at by different means. Investors typically determine if Usio is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Usio's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.