Usio (USIO) Stock Price, News & Analysis

Company Overview

Usio, Inc. is a financial technology company that provides electronic payment and money-movement services to businesses, government agencies, financial institutions and other organizations. The company supports the acceptance and processing of credit and debit card payments, automated clearing house (ACH) transactions and electronic bill payments through its payment technology platform.

Usio also offers prepaid card and disbursement solutions, including services that can be used for payroll, incentives, refunds, healthcare payments and other controlled payment programs. Its products are designed to help organizations accept payments, send funds and manage payment-related data through integrated digital and mobile channels.

Based in San Antonio, Texas, Usio primarily serves customers in the United States. The company was formerly known as Payment Data Systems, Inc. and adopted the Usio name as part of its transition toward a broader financial technology and payment-services identity. Louis Hoch has served as the company's president and chief executive officer.

Key Stats

• Today's Range: $2.61 to $2.76
• 50-Day Range: $2.20 to $2.94
• 52-Week Range: $1.03 to $3.06
• Volume: 114,500 shs
• Average Volume: 162,766 shs
• Market Capitalization: $77.55 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $5.38
• Consensus Rating: Moderate Buy

Usio Stock Analysis - MarketRank™

Usio scored higher than 75% of companies evaluated by MarketBeat, and ranked 408th out of 851 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: 3.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Usio has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

Usio has a consensus price target of $5.38, representing about 102.4% upside from its current price of $2.66.

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 -44.27, 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 -44.27, 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 4.02. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.28% 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 0.25, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Usio has recently increased by 18.83%, indicating that investor sentiment is decreasing 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: 3.6 / 5
• News Sentiment: N/A

News Sentiment

Usio has a news sentiment score of 1.82. 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 higher news sentiment than the 0.65 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Usio this week, compared to 1 article on an average week.

Search Interest

2 people have searched for USIO on MarketBeat 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: 10/13/2026
• 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: +97.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.06)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 272.50
• 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: 0.91
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $0.66 per share
• Price / Book: 4.13

Miscellaneous

• Outstanding Shares: 28,500,000
• Free Float: 23,081,000
• Market Cap: $77.66 million
• Optionable: Optionable
• Beta: 1.36