Usio, Inc.
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
▼ -63.3% over 5Y.
today you would have $393.58▼ -60.6%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 16 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $1.36 | $1.46 | $1.72 | $1.65 | $4.36 | $2.67 | $1.56 | $1.66 | $2.53 | $1.85 | $1.99 | $2.70 | $1.20 | $1.95 | $1.50 | $0.30 | |
| P/E | 12.6x |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Technology, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| LINKInterlink Electronics Inc | $5.03 | — | 8.8x | — | -10.49% | $79.24M |
| CSPICsp Inc | $7.76 | — | 1.8x | 1.55% | -1.49% | $78.23M |
| IPWRIdeal Power Inc. | $4.69 | — | 1.8x | — | -43.05% | $77.08M |
| SOTKSono Tek Corp | $4.89 |
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 includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic payment processing services to merchants and businesses, including credit, and debit card-based processing services and electronic funds transfer through the ACH network. In addition, it 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. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a payment facilitation platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.
Company description provided by Yahoo Finance.
| — |
| 12.2x |
| — |
| — |
| — |
| — |
| — |
| — |
| — |
| — |
| 24.9x |
| 6.6x |
| — |
| 13.0x |
| — |
| — |
| P/S | 1.8x | 0.4x | 0.5x | 0.5x | 0.6x | 1.8x | 2.1x | 0.9x | 1.1x | 2.8x | 1.8x | 1.7x | 2.5x | 2.1x | 2.5x | 3.0x | 1.0x |
| P/B | 3.1x | 2.1x | 2.0x | 3.0x | 3.1x | 6.0x | 4.0x | 3.5x | 2.9x | 3.1x | 2.4x | 2.7x | 4.7x | 17.2x | 8.7x | 23.3x | — |
| EPS | -$0.09 | $0.12 | -$0.02 | -$0.27 | -$0.02 | -$0.19 | -$0.39 | -$0.31 | -$0.33 | -$0.15 | $0.08 | $0.41 | -$0.15 | $0.15 | $0.00 | $0.00 |
| Profit margin | -5.42% | -2.94% | 3.99% | -0.57% | -7.90% | -0.52% | -9.01% | -18.14% | -15.09% | -20.65% | -9.91% | 7.07% | 28.65% | -15.23% | 17.36% | 7.31% | -17.72% |
| ROE | -13.28% | -14.03% | 17.25% | -3.15% | -39.35% | -1.72% | -17.40% | -67.59% | -39.19% | -22.93% | -13.28% | 11.15% | 54.64% | -123.52% | 59.64% | 57.56% | — |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
1 methods answered, across 1 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
-69.1% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| 37.6x |
| 3.7x |
| — |
| 10.61% |
| $76.85M |
| BZAIBlaize Holdings, Inc. | $0.53 | — | 1.8x | — | -426.63% | $76.76M |
| SKYASkyAI, Inc. | $1.77 | — | 0.5x | — | -451.20% | $76.55M |