Usio (USIO) Stock Price

Usio Price

NASDAQ·CLOSED
2.59USD+0.21 (+8.45 %)
Market closed

Over the last 19 years Usio grew revenue by 25.1% annually, reaching 82.93 M USD. Earnings per share have grown at 9.4% per year over the last 13 years. For Usio, the net margin of 4.0% is up versus -9.0% a few years ago. The consensus 12-month price target for Usio is 5.36 USD, about 106.8% above where the stock trades today. Of 11 analysts, 9 rate the stock a buy — an overall Buy consensus. The stock trades about 147% above its 52-week low.

Usio stock price

Volume
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Usio over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Usio stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Usio's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Usio Stock Price History
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Access this data via the Eulerpool API

Usio Revenue, EBIT, Net Income

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2019
28.20 M USD
-5.06 M USD
-5.12 M USD
Jan 1, 2020
32.25 M USD
-3.75 M USD
-2.91 M USD
Jan 1, 2021
61.94 M USD
-160,000.00 USD
-320,000.00 USD
Jan 1, 2022
69.43 M USD
-5.21 M USD
-5.48 M USD
Jan 1, 2023
84.07 M USD
-447,400.00 USD
-475,100.00 USD
Jan 1, 2024
82.93 M USD
-1.47 M USD
3.31 M USD
Jan 1, 2025 (e)
87.90 M USD
-992,460.00 USD
-753,201.40 USD
Jan 1, 2026 (e)
98.14 M USD
1.39 M USD
1.30 M USD

Usio Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 14, 2026, 5:55 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
EBITM USD
EBIT MARGIN%
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
201120122013201420152016201720182019202020212022202320242025e2026e
4.007.005.0013.0014.0012.0014.0025.0028.0032.0061.0069.0084.0082.0087.0098.00
100.0075.00-28.57160.007.69-14.2916.6778.5712.0014.2990.6313.1121.74-2.386.1012.64
25.0042.86380.0030.7728.5725.0021.4320.0017.8621.8824.5920.2923.8123.1723.1723.17
1.003.0019.004.004.003.003.005.005.007.0015.0014.0020.0019.0020.1622.71
1.002.00-1.00-2.00-3.00-5.00-3.00-5.00-1.001.00
14.2915.38-8.33-14.29-12.00-17.86-9.38-7.25-1.221.02
1.003.001.00-1.00-3.00-3.00-5.00-2.00-5.003.001.00
-66.67-200.00200.0066.67-60.00
9.169.138.419.2611.997.849.0012.1312.9615.4320.0320.3826.4926.8526.8526.85
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Usio generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Usio retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Usio's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Usio has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Usio's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Usio stock margins

The Usio margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Usio. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Usio.
  • 3 Years

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Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2019
21.10 %
-17.94 %
-18.16 %
Jan 1, 2020
22.88 %
-11.63 %
-9.02 %
Jan 1, 2021
25.23 %
-0.26 %
-0.52 %
Jan 1, 2022
21.01 %
-7.50 %
-7.89 %
Jan 1, 2023
23.88 %
-0.53 %
-0.57 %
Jan 1, 2024
23.65 %
-1.77 %
3.99 %
Jan 1, 2025 (e)
23.65 %
-1.13 %
-0.86 %
Jan 1, 2026 (e)
23.65 %
1.42 %
1.33 %

Usio Stock Revenue, EBIT, Earnings per Share

The Usio earnings per share therefore indicates how much revenue Usio has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2019
2.18 USD
-0.39 USD
-0.40 USD
Jan 1, 2020
2.09 USD
-0.24 USD
-0.19 USD
Jan 1, 2021
3.09 USD
-0.01 USD
-0.02 USD
Jan 1, 2022
3.41 USD
-0.26 USD
-0.27 USD
Jan 1, 2023
3.17 USD
-0.02 USD
-0.02 USD
Jan 1, 2024
3.09 USD
-0.05 USD
0.12 USD
Jan 1, 2025 (e)
3.27 USD
-0.04 USD
-0.03 USD
Jan 1, 2026 (e)
3.65 USD
0.05 USD
0.05 USD

Usio business model & stock analysis

Usio Inc is a US-based company specializing in providing electronic payment solutions and payment processing. It was founded in 1997 and is headquartered in San Antonio, Texas. The company offers a range of electronic payment services including electronic billing and payment processing, ACH payments, and credit card processing. It operates in three main sectors: PayFac Solutions, Bill Payment Solutions, and Money Transfer Solutions. Usio Inc offers various products for electronic payment and processing, including electronic payment, mobile payments, and money transfers.

Usio SWOT Analysis

Strengths

Usio Inc possesses several key strengths that contribute to its success in the market:

  • Strong financial position and stability
  • Advanced technology and innovative solutions
  • Established reputation and brand recognition
  • Well-diversified product and service portfolio

Weaknesses

However, there are some weaknesses that Usio Inc should address to mitigate risks and improve competitiveness:

  • Relatively limited global presence
  • Dependence on a few key clients for a significant portion of revenue
  • Higher operating costs due to research and development investments

Opportunities

Usio Inc can leverage the following opportunities to expand and enhance its business:

  • Growing demand for digital payment solutions
  • Potential partnerships and collaborations with other fintech companies
  • Expansion into emerging markets with untapped potential

Threats

Usio Inc should monitor the following threats carefully to mitigate any negative impact on its business:

  • Intense competition in the rapidly evolving fintech industry
  • Regulatory changes and compliance requirements
  • Economic downturns and market uncertainties

Usio Segments

Usio Revenue by Segment (1/3)

  • Max

Credit Card Revenue
ACH and Complementary Service Revenue
Output Solutions
Prepaid Card Services Revenue
ACH and Complementary Service Interest Revenue
Prepaid Card Services Interest Revenue
Output Solutions Interest
Details
Date
Credit Card Revenue
ACH and Complementary Service Revenue
Output Solutions
Prepaid Card Services Revenue
ACH and Complementary Service Interest Revenue
Prepaid Card Services Interest Revenue
Output Solutions Interest
Jan 1, 2025
30.01 M USD
22.20 M USD
20.65 M USD
11.00 M USD
745,252.00 USD
615,442.00 USD
170,950.00 USD

Usio Revenue by Segment (2/3)

  • 3 Years

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  • 10 Years

  • 25 Years

  • Max

Details
Date
ACH and Complementary Service Revenue
Jan 1, 2025
0.00 USD

Usio Revenue by Segment (3/3)

  • Max

Merchant Services
Output Solutions
Details
Date
Merchant Services
Output Solutions
Jan 1, 2025
64.58 M USD
20.82 M USD

Usio Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Usio historical P/E ratio, EBIT multiple, and P/S ratio

Usio annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Usio shares outstanding

The number of shares of Usio was 26.85 M in 2025. This indicates how many shares Usio is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2019
12.96 M Stocks
Jan 1, 2020
15.43 M Stocks
Jan 1, 2021
20.03 M Stocks
Jan 1, 2022
20.38 M Stocks
Jan 1, 2023
26.49 M Stocks
Jan 1, 2024
26.85 M Stocks
Jan 1, 2025 (e)
26.85 M Stocks
Jan 1, 2026 (e)
26.85 M Stocks

Usio stock splits

In Usio's history, there have been no stock splits.

Current Usio forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
81.82 % (9)
Hold
9.09 % (1)
Sell
9.09 % (1)
12M Price Target
5.36
Last Price
2.59
Currency
USD
12M Return Potential
106.76 %
LTM Return
0 %

Usio Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
8/19/2026-USD-24.14 MUSD-2026 Q2
5/20/2026-0.01USD-23.82 MUSD-2026 Q1
3/18/20260.01USD-23.74 MUSD-2025 Q4
11/6/20240.02USD-21.81 MUSD-2024 Q3
5/1/20240.02USD-21.89 MUSD-2024 Q1
3/6/20240.00USD-20.84 MUSD-2023 Q4
11/7/2023-0.01USD-21.02 MUSD-2023 Q3
8/9/2023-0.01USD-19.72 MUSD-2023 Q2
11/9/2022-0.08USD-16.66 MUSD-2022 Q3

Usio shareholder structure

% Name
12.05282%
Hoch (Louis A)
Hoch (Louis A)
10.44891%
Whittier Trust Company
Whittier Trust Company
3.76924%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
3.19600%
Perkins Capital Management, Inc.
Perkins Capital Management, Inc.
2.67058%
Frost (Houston Korth)
Frost (Houston Korth)
1.69103%
Carter (Gregory M)
Carter (Gregory M)

Usio Executives and Management Board

9 members · avg. age 53 · 11 % women

LH

Mr. Louis Hoch (59)

Chairman of the Board, President, Chief Executive and Operating Officer · since 1998

1.35 M USD

Management

GC

Mr. Gregory Carter (61)

Executive Vice President, Chief Revenue Officer

444,227.00 USD
MW

Mr. Michael White (28)

Senior Vice President, Chief Accounting Officer, Principal Accounting and Financial Officer

408,764.00 USD
HF

Mr. Houston Frost (43)

Senior Vice President, Chief Product Officer

320,813.00 USD
PM

Mr. Paul Manley

Senior Vice President · since 2025

Board of Directors

BB

Mr. Blaise Bender (68)

Independent Director

51,550.00 USD
EB

Mr. Ernesto Beyer (54)

Independent Director

36,550.00 USD
EM

Mrs. Elizabeth Miller (54)

Independent Director

36,550.00 USD
BR

Mr. Bradley Rollins (53)

Independent Director

36,550.00 USD

Frequently asked questions about Usio

The business model of Usio Inc revolves around providing integrated payment solutions to businesses. Usio offers a wide range of payment services, including electronic bill presentment and payment, prepaid card products, Automated Clearing House (ACH) processing, and mobile wallet solutions. Usio's innovative technology and secure platforms enable businesses to simplify their payment processes and improve cash flow management. By offering flexible payment options and personalized solutions, Usio helps businesses enhance customer experience and drive operational efficiency. With a strong focus on delivering secure, reliable, and convenient payment solutions, Usio Inc is committed to supporting businesses in their financial transactions.

Usio Inc is primarily active in the industries of electronic payments, prepaid card programs, and secure electronic document delivery.

Some of the main competitors of Usio Inc in the market include Square Inc, PayPal Holdings Inc, and Fiserv Inc.

Usio Inc, founded in 1993, is a leading provider of integrated payment solutions. This innovative company specializes in offering comprehensive electronic payment processing services, enabling businesses to streamline their payment processes. Usio Inc has a rich history of success and growth, constantly adapting to the evolving technology landscape. With a strong focus on customer satisfaction, the company has forged partnerships with renowned organizations, enhancing their reputation as a trusted payment solutions provider. By leveraging cutting-edge technology and industry expertise, Usio Inc continues to empower businesses with secure, reliable, and efficient payment processing solutions.

Usio Inc has achieved significant milestones throughout its history. Some notable accomplishments include the acquisition of Payprotec Oregon in 2017, enabling the company to expand its payment processing capabilities. In 2018, Usio launched its proprietary prepaid card program, helping individuals and businesses streamline their payment processes. The company's partnership with Wildcard Consulting in 2019 further enhanced its product offering, providing advanced payment solutions to clients. Additionally, Usio's successful integration of the prepaid platform for Marine Credit Union in 2020 showcased its ability to serve the financial needs of diverse industries. These milestones demonstrate Usio Inc's commitment to innovation and growth in the payment industry.

Usio Inc is primarily present in the United States.

Usio Inc represents a strong commitment to innovation and customer satisfaction. Their corporate philosophy revolves around providing efficient payment solutions to businesses and consumers. By blending technology and financial expertise, Usio aims to simplify complex payment processes while maintaining the highest level of security. With a focus on transparency and integrity, Usio strives to build long-term partnerships with their clients, enabling them to achieve their financial goals. As a trusted provider of integrated payment solutions, Usio Inc constantly adapts to changing market needs, ensuring their customers stay ahead in the rapidly evolving digital payment landscape.

Analysts currently set an average price target of 5.23 USD for the Usio stock (median: 5.36 USD), implying +101.8 % versus the latest price. The consensus is based on 11 analyst ratings.

11 analysts currently rate the Usio stock: 9 recommend buying, 1 holding and 1 selling. For 2026, analysts expect Usio to generate revenue of 98.14 M USD and earnings per share of 0.05 USD.

Converted at the current exchange rate, the Usio share trades at 2.25 EUR (2.59 USD).

The Usio share (USIO) is listed on 1 stock exchanges, including: NASDAQ (USIO).

Usio Inc is a company that operates in the fields of payment processing, e-commerce, and digital services. The company offers a wide range of products and services, including payment processing, mobile payments, virtual credit cards, e-commerce solutions, and other digital services. Usio is headquartered in San Antonio, Texas and has been listed on the NASDAQ exchange since 1997. The core business of Usio is payment processing and payment processing. Traditional payment methods such as credit cards, as well as innovative technologies such as mobile payments and virtual credit cards, are supported here. The company also offers a variety of services for merchants and banks, including the integration of payment systems into e-commerce platforms, POS systems, and mobile apps. Usio benefits from the increasing number of people shopping online. Another important division of the company is the e-commerce sector. Usio helps businesses set up online shops and provides solutions for online and mobile payments. The e-commerce solutions include payment gateways, virtual terminals, and e-factoring solutions, which allow companies to send invoices directly to their customers via email and accept electronic payments. Usio also has a merchant services division that specializes in supporting merchants. This division offers a variety of products and services, ranging from the installation of credit card terminals and transaction management to providing customer support and consulting services. The company is always committed to providing excellent service to its customers and acting in a customer-oriented manner. In addition to this wide range of payment and e-commerce services, Usio also offers innovative digital services. This includes the concept of "White Label Mobile Wallets" - a solution that allows smartphone users to securely make payments, transfers, and other financial transactions. This solution can be individually tailored to the customer's specific needs and offers numerous advantages and use cases. Overall, Usio benefits from a variety of trends in digital technology and the e-commerce sector. The increasing use of smartphones and mobile devices, the growing trend towards contactless payments, and the constantly increasing number of online transactions make the company an important player in the digital economy. Usio has not only established itself as a supplier of technical solutions but also offers a wide range of support and consulting services. The different, closely intertwined divisions and products of Usio ensure a stable and successful business model.

The expected revenue of Usio is 98.14 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Usio is 1.30 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Usio is currently 53.46. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Usio stock.

The price-to-sales ratio (P/S) of Usio is currently 0.71. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Usio stock.

The Eulerpool Quality Score for Usio is 2/10.

The ISIN of Usio is US9173131080. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Usio is A2PM9K. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Usio is USIO. The ticker symbol is used to trade Usio shares on the stock exchange.

Usio paid dividends every year for the past 0 years.

Usio is assigned to the 'Information technology' sector.

The dividends of Usio are distributed in USD.

All fundamentals and in-depth analysis of Usio

Our stock analysis for Usio stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Usio. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.