NASDAQ · USIO

Usio, Inc.

Technology · Software - Infrastructure

$2.53▼ 1.56% ($0.04)at close

After hours$2.54▲ 0.40%7:30 PM ET

52-week

$1.03$3.06

Market cap

$69.82M

P/E

-45.67

Volume

282.12K

Shares outstanding

27.60M

What the market price implies · Reverse DCF

To support a price of $2.53, this model requires revenue to grow by 25.29%/yr over the next 10 years, compounded annually.

Historical revenue grew by 8.36%/yr over the past 4 years. The required annual growth rate is 16.93 percentage points higher.

Selected forecast · Base scenario

6.37%/yr · actual 10-year annualized revenue growth

Year 1 growth: 9.98%

Market-implied · Base operating assumptions + edited margins

25.29%/yr · flat 10-year annualized revenue growth

Reverse DCF solves revenue growth itself using Base operating assumptions and your edited margins. Changing forecast growth alone does not change the implied rate. This is a model-implied requirement, not an analyst forecast.

Valuation

Recommended · Revenue & margin DCF

Price used

$2.53

Estimated value / share

$0.70

Base scenario

This estimate is 72.15% below the price used.

USD · TTM ending 2026-06-30

Latest quarterly growth differs materially from the latest annual pace. It remains an observed growth input; review whether acceleration or a change in the business explains it.

Year 1 growth 9.98% · Ending margin 0.34% · Discount rate 11.86%

Assumption scenarios, not statistical confidence intervals.

Method, dates & sources

Estimated from future revenue, operating margins, and the investment needed to support them.

Price timestamp: Sep 10, 2026, 8:00 PM UTC
Financial statement period: TTM ending 2026-06-30
Data refreshed: Sep 11, 2026, 2:41 AM UTC · provider

Why this method?

There is not a stable run of positive FCFF to anchor a direct cash-flow CAGR, so the model should start from revenue and margin assumptions instead.

Is FCFF positive and has it been for 3+ consecutive years? Latest FCFF is not positive.

Price vs Fundamentals

Why The Stock Is Moving

Mixed / unclearLow confidence

1Y Price: 73.29%Revenue (TTM): 10.4%FCF (TTM): -120.74%P/FCF: 100th pct

What changed

The stock rose 73.29% over the last year. Revenue grew 10.4% over the trailing twelve months. Operating margin moved from -1.93% to -1.21%. Free cash flow declined 120.74% over the trailing twelve months.

What the market seems to be pricing

The stock has moved higher against modestly weakening underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.

What would invalidate this read

Operating margin currently stands at -1.21%. A decisive move in revenue — currently up 10.4% — would be the clearest signal to resolve the ambiguity.

Performance

Return analysis

Company profile

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

CEOLouis A. Hoch

SectorTechnology

IndustrySoftware - Infrastructure

Employees107

IPO dateFeb 22, 1999

https://www.usio.com

Market multiples

Forward P/E—

EV/EBITDA-27,089.49

Enterprise value$33.08M

Stock splits

Jul 23, 2015↓ Reverse

Every 15 shares became 1

-93%

Profitability & growth

Revenue growth18.62%

Gross margin22.02%▼0.6ppvs FY2024

Operating margin-1.21%▼1.0ppvs FY2024

ROE-8.04%▲5.5ppvs FY2025

Analyst consensus

RatingBuy

Target price$5.50▲117.39%

Buy

Hold

Sell

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.

Next report

Nov 11, 2026

Q4 FY26 · EPS est $0.01 · Revenue est $23.81M

View