Usio (USIO) Stock Price, News & Analysis

Company Overview

Usio, Inc. is a financial technology company that provides electronic payment processing and related services to businesses, government entities, financial institutions and other organizations. The company’s platform supports the acceptance and disbursement of payments through credit and debit cards, automated clearing house (ACH) transactions and other electronic payment methods.

Usio offers services that include merchant payment processing, electronic bill payment, prepaid and stored-value card programs, and money transfer solutions. Its technology is designed to help clients manage recurring billing, online payments, card issuance and payment-related reporting through integrated, configurable systems.

The company was formerly known as Payment Data Systems, Inc. and adopted the Usio name as part of its broader financial technology branding. Usio primarily serves organizations in the United States through its electronic payments platform and related payment products.

Key Stats

• Today's Range: $2.60 to $2.77
• 50-Day Range: $1.89 to $2.94
• 52-Week Range: $1.03 to $3.06
• Volume: 265,276 shs
• Average Volume: 253,646 shs
• Market Capitalization: $76.67 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $5.38
• Consensus Rating: Hold

Usio Stock Analysis - MarketRank™

Usio scored higher than 79% of companies evaluated by MarketBeat, and ranked 550th out of 855 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Hold

Consensus Rating

Usio has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and 1 sell rating.

Upside Potential

Usio has a consensus price target of $5.38, representing about 99.8% upside from its current price of $2.69.

Amount of Analyst Coverage

Usio has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 400.00%

Earnings Growth

Earnings for Usio are expected to grow by 400.00% in the coming year, from $0.01 to $0.05 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Usio is -44.83, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Usio is -44.83, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Usio has a P/B Ratio of 4.08. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.23% of the float of Usio has been sold short.

Short Interest Ratio / Days to Cover

Usio has a short interest ratio ("days to cover") of 0.19, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Usio has recently decreased by 16.01%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Usio does not currently pay a dividend.

Dividend Growth

Usio does not have a long track record of dividend growth.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 0.46

News Sentiment

Usio has a news sentiment score of 0.46. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.72 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Usio this week, compared to 2 articles on an average week.

MarketBeat Follows

1 people have added Usio to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 0.9 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Usio insiders have not sold or bought any company stock.

Percentage Held by Insiders

19.00% of the stock of Usio is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

20.23% of the stock of Usio is held by institutions.

Company Calendar

• Last Earnings: 8/12/2026
• Today: 9/30/2026
• Next Earnings (Estimated): 11/11/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Financial Services
• Sub-Industry: Transaction & Payment Processing Services
• Current Symbol: NASDAQ:USIO
• CIK: 1088034
• Web: www.usio.com
• Phone: (210) 249-4100
• Fax: 210-249-4130
• Employees: 110
• Year Founded: 1998

Price Target and Rating

• Average Price Target for Usio: $5.38
• High Price Target: $6.75
• Low Price Target: $4.00
• Potential Upside/Downside: +99.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.06)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 269.00
• P/E Growth: N/A
• Net Income: -$2.51 million
• Net Margins: -1.63%
• Pretax Margin: -0.85%
• Return on Equity: -8.20%
• Return on Assets: -1.26%

Debt

• Debt-to-Equity Ratio: 0.05
• Current Ratio: 1.10
• Quick Ratio: 1.09

Sales & Book Value

• Annual Sales: $85.39 million
• Price / Sales: 0.90
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $0.66 per share
• Price / Book: 4.08

Miscellaneous

• Outstanding Shares: 28,500,000
• Free Float: 23,081,000
• Market Cap: $76.67 million
• Optionable: Optionable
• Beta: 1.34