---
title: "Usio, Inc. (USIO.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/USIO.US.md"
symbol: "USIO.US"
name: "Usio, Inc."
industry: "Transaction and Payment Processing Services"
---

# Usio, Inc. (USIO.US)

| Item | Detail |
|------|--------|
| Industry | Transaction and Payment Processing Services |
| Location | US Market |
| Website | [usio.com](https://usio.com) |

## Company Profile

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 pr...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-20T04:30:13.000Z

**Overall: D (0.64)**

**Industry**: Transaction and Payment Processing Services

| Metric | Value |
|--------|-------|
| Industry Ranking | 43 / 47 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 1.46% |  |
| Net Profit YoY | -114.35% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.93 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 36.05M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 83.71M |  |


**Multi Score**: D

#### Profit Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | -2.06% | D |
| Profit Margin | -0.46% | D |
| Gross Margin | 22.99% | D |

#### Growth Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 1.46% | C |
| Net Profit YoY | -114.35% | E |
| Total Assets YoY | -13.27% | E |
| Net Assets YoY | -1.28% | D |

#### Cash Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | -21586.82% | E |
| OCF YoY | 1.46% | C |

#### Operating Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.78 | B |

#### Debt Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 81.20% | E |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Usio, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "D",
      "indicators": [
        {
          "name": "ROE",
          "value": "-2.06%",
          "rating": "D"
        },
        {
          "name": "Profit Margin",
          "value": "-0.46%",
          "rating": "D"
        },
        {
          "name": "Gross Margin",
          "value": "22.99%",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "D",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "1.46%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "-114.35%",
          "rating": "E"
        },
        {
          "name": "Total Assets YoY",
          "value": "-13.27%",
          "rating": "E"
        },
        {
          "name": "Net Assets YoY",
          "value": "-1.28%",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "D",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "-21586.82%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "1.46%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "B",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.78",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "E",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "81.20%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Toast (US.TOST) | B | A | A | B | A | A |
| 02 | Paymentus (US.PAY) | B | A | A | A | A | A |
| 03 | Mastercard (US.MA) | A | B | B | E | C | B |
| 04 | Block (US.XYZ) | B | C | B | C | C | B |
| 05 | Jack Henry & Associates (US.JKHY) | A | B | B | B | C | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | -92.95 | 44/49 | 14.10 | 13.16 | 11.70 |
| PB | 1.93 | 11/49 | 2.19 | 2.05 | 1.99 |
| PS (TTM) | 0.43 | 3/49 | 0.50 | 0.46 | 0.44 |
| Dividend Yield | 0.00% | - | - | - | - |

## Institutional View

### Analyst Rating Distribution

> As of 2025-12-01T05:00:00.000Z

Total Analysts: **5**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 3 | 60% |
| Overweight | 1 | 20% |
| Hold | 0 | 0% |
| Underweight | 1 | 20% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 1.34 |
| Highest Target | 6.00 |
| Lowest Target | 4.00 |

## References

- [Company Overview](https://longbridge.com/en/quote/USIO.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/USIO.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/USIO.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.