USIO

HoldHot Air

Usio, Inc. · Technology · United States · $65M · Avg Vol: $800K/d

Hot Air: Rising on momentum alone: weak business, rich price.

36
StockRank
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Quality
24
Value
24
Momentum
78

Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →

P/E (TTM)
—
peers 34.3x
ROE
-8.0%
peers 4.7%
D/E
0.2x
peers 0.3x
Dividend %
—
trailing yield

ABOUT USIO, INC.

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Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue69.4M84.1M82.9M85.4M7.1%92.6M97.8M108.1M12.5%
EPS-0.27-0.020.12-0.09—-0.06———
Shares25.1M26.3M26.6M27.7M+10.5%28.5M———
Debt3.0M3.4M3.9M3.9M8.7%4.6M———
Equity13.9M15.1M19.2M17.9M8.7%————
Op CF-17.0M3.5M2.9M1.5M-34.3%0.7M———
Inv CF-0.8M-0.8M-0.9M-1.5M—————
Fin CF-1.4M6.1M-5.1M28.7M—————
Loading 1Y...
PRICE (1Y) · USD-4.1%
2.22.42.62.82.917 Aug8 Sep28 Sep
SMA 50SMA 200

Price checkExperimental
SwingsVery bumpy

Swung more than 73% of stocks we rank over the past year (58% a year).

How this is worked out

What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.

What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.

Calm is not safe: a calm stock can still slide steadily.

Rules fixed before any data was fetched. Describes the chart, not a recommendation.

Close
$2.35
RSI (14)
26.5
52-Week Range-23.2% from high
Low $1.03High $3.06

SCORE BREAKDOWN

Quality
24
ROIC
-7.0%16.1
ROE
-8.0%16.7
GP/Assets
15.3%36.1
Op. Margin
1.6%32.4
FCF/Assets
0.0%33.7
Piotroski
22.2
Int. Cover
-23.3x7.9
D/E Ratio
0.25x45.0
Current Ratio
1.10x13.8
Value
24
P/E (TTM)
—N/A
EV/EBITDA
172.1x5.0
P/FCF
1096.1x2.4
P/B
3.6x43.7
P/S
0.7x84.8
Div Yield
—N/A
Momentum
78
52W High %
77%68.8
RS 6M
88%93.0
SMA 50/200
1.41x96.7
EPS Rev 4W
+250.0%100.0
EPS Rev 12W
—N/A
EPS Improve
+217%81.4
Q Growth
—N/A

FUNDAMENTALS

Market Cap
$65M
P/E (Forward)
33.9x
Gross Margin
22.3%

SECTOR PEERS

Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of USIO are excluded.

TickerCompanyMkt CapStockRankSignal
USIOUsio, Inc.(you)$65M36Hold
AISPAirship AI Holdings, Inc.$67M15Strong Sell
GOAIEva Live, Inc.$77M15Strong Sell
DVLTDatavault AI Inc.$147M26Sell
SKYASkyAI, Inc.$78M13Strong Sell
EXYNExyn Technologies, Inc.$52M12Strong Sell
REKRRekor Systems, Inc.$59M8Strong Sell
LIDRAEye, Inc.$55M8Strong Sell
AVXAvax One Technology Ltd.$51M6Strong Sell
CYBE.VCyberCatch Holdings, Inc.$41M7Strong Sell

Peer medians: ROE 4.7% · P/E 34.3x · Gross margin 51.8%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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Usio, Inc. (USIO): Stock Score Summary

Usio, Inc. (USIO) has a MoatMap StockRank of 36/100 based on Quality (24/100), Value (24/100), and Momentum (78/100) factor scores. The current signal is HOLD.

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States.

Key Financial Metrics

Price$2.35
Market Cap$65M
P/E (Forward)33.86
Price/Book3.60
Return on Equity-8.0%
Return on Invested Capital-7.0%
Debt/Equity0.25x
Gross Margin22.3%
Operating Margin1.6%
Revenue Growth18.6%
Free Cash Flow$59K

Usio, Inc. operates in the Software - Infrastructure industry, part of the Technology sector (United States).

Frequently Asked Questions

What is Usio, Inc.’s (USIO) StockRank?
MoatMap’s StockRank for Usio, Inc. (USIO) is 36/100, with a Hold signal. It is a composite of Quality (24), Value (24), and Momentum (78) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Usio, Inc. have an economic moat?
Usio, Inc. (USIO) has a Quality factor score of 24/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Usio, Inc. a buy, hold, or sell?
MoatMap’s current signal for Usio, Inc. (USIO) is Hold, based on a StockRank of 36/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Usio, Inc. in?
Usio, Inc. (USIO) operates in the Technology sector, specifically the Software - Infrastructure industry (United States).