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Usio
USIO.US
Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, and Discover supported by online and physical terminal access.
1.496 T
USIO.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
D
Transaction and Payment Processing ServicesIndustry
Industry Ranking43/46
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreD
    • ROE-2.06%D
    • Profit Margin-0.46%D
    • Gross Margin22.99%D
  • Growth ScoreD
    • Revenue YoY1.46%C
    • Net Profit YoY-114.35%E
    • Total Assets YoY-13.27%E
    • Net Assets YoY-1.28%D
  • Cash ScoreD
    • Cash Flow Margin-21586.82%E
    • OCF YoY1.46%C
  • Operating ScoreB
    • Turnover0.78B
  • Debt ScoreE
    • Gearing Ratio81.20%E

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    News
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    Usio Acquires PostCredit Co | USIO Stock News

    Usio, Inc. has acquired PostCredit Co., a Los Angeles-based fintech company, in an all-stock transaction. PostCredit's platform, used in the film industry for expense management, will be integrated with Usio's payment services. This acquisition aims to expand Usio's business banking and expense management solutions, leveraging PostCredit's technology to serve a broader market. PostCredit's co-founder, Benjamin Liu, will remain as a consultant. The move is expected to enhance Usio's offerings, similar to those of Stripe and Marqeta, in a unified solution.

    StockTitan·
    US
    USIO
    +0.71%
    StockTitan·
    US
    USIO
    +0.71%

    Usio’s Growth Potential and Strong Financials Justify Buy Rating Despite Revenue Estimate Adjustment

    Analyst Michael Diana of Maxim Group maintained a Buy rating on Usio with a $5.00 price target, citing strong growth potential and robust financials. Despite a slight adjustment in the 2026 revenue estimate, Usio's solid balance sheet and positive cash flow support the rating. H.C. Wainwright also reiterated a Buy rating with a $4.00 price target. Usio's stock price has dropped by 8.92% over the past six months.

    Tip Ranks·
    US
    USIO
    +0.71%
    Tip Ranks·
    US
    USIO
    +0.71%

    Usio’s Earnings Call: Record Growth Amid Challenges

    Usio's Q3 earnings call revealed record transaction volumes and growth in ACH and PayFac segments, despite challenges in card issuing and adjusted EBITDA. The company reported positive cash flow and strategic share repurchases, indicating confidence in long-term value. Usio continues to invest in technology and innovation, aiming for future growth. However, slower customer implementations and revenue challenges persist. Overall, the call highlighted strong operational metrics and strategic investments, with optimism for continued expansion and value creation.

    Tip Ranks·
    US
    USIO
    +0.71%
    Tip Ranks·
    US
    USIO
    +0.71%

    Usio, Inc. Reports Q3 2025 Financial Results

    Usio, Inc. reported its Q3 2025 financial results, revealing a slight revenue decrease to $21.18 million from $21.32 million in 2024. The company faced a net loss of $415,086, contrasting with a net income of $2.85 million last year. Key metrics included a gross profit of $4.87 million and an operating loss of $464,171, attributed to increased selling, general, and administrative expenses. Despite these challenges, Usio is focused on maintaining liquidity and leveraging resources for future growth.

    Tip Ranks·
    US
    USIO
    +0.71%
    Tip Ranks·
    US
    USIO
    +0.71%

    Usio Inc. reports third quarter 2025 revenue up over $1 million sequentially

    Usio Inc. reported a revenue increase of over $1 million sequentially for Q3 2025, with total payment dollars processed up 8% year-over-year. The company set records in ACH processing, credit card volume, and PINless debit transactions. Adjusted EBITDA was $0.4 million, down from $0.8 million a year ago. Operating cash flow declined to $1.4 million from $1.9 million, and cash and cash equivalents were $7.7 million, down $0.3 million. Usio expects an increase in cash position for the remainder of fiscal 2025.

    Reuters·
    US
    USIO
    +0.71%
    Reuters·
    US
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    +0.71%
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