Usio Inc (USIO) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Usio Inc stock $0.64, price $2.96, that is 78.4% below the price, quality 25 out of 100. Rating: strongly overvalued. Calculated from audited financials with 2 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $1.05 – $8.26 · fair‑value band $0.5000 – $0.8900 · the $2.96 price screens above the $0.6400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 4 fiscal years are left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.
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Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States.
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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.
Stock analysis
Usio Inc (USIO) currently trades at $2.96, while our model-based Fair Value estimate is $0.6400, 78% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 2 models at a data quality of 96/100, which puts the data coverage at low.
Scenario range: $0.5000 (bear) to $0.8900 (bull), the price of $2.96 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 25/100 (below-average quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Usio Inc reported revenue of $85.4M in FY2025 versus $61.9M in FY2021, a compound +8.4%/yr. Reported net income was −$2.5M in FY2025.
Key figures
Market cap $85.1M Micro · P/S ratio 0.99 · EPS (TTM) $−0.0600 · Net margin −1.6% · Return on equity −8.0% · Return on assets (EBIT) −2.1% (5-year average) · Operating margin 1.6% · Revenue (TTM) $92.6M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 13 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 182% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at −78%, USIO screens richer than that median.
Fair Value models
Bear$0.5000Fair Value $0.6400Bull$0.8900
Price $2.96 · Downside -78.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
SaleNational Services, Inc10% owner7× since Jan 13, 2026: 91,900 shares, avg. $1.34$123,558Mar 10, 2026
Plus 19 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.54/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.5%
Start year 2020 (pandemic). Over 10 years: +19.5% a year
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+32.6%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−11.6% (2020) → −2.8% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 346 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score25 · Bottom 25%
Fair Value upside−78.4% · Bottom 25%
Profitability
Return on assets−1.9% · Below median
Net margin (12 months)−1.6% · Below median
Operating margin (12 months)1.6% · Below median
Growth and dividend
Revenue growth (quarter YoY)18.6% · Above median
Balance sheet
Debt / equity0.06× · Above median
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Usio Inc Fair Value". https://www.fairvalue-calculator.com/stock/USIO
Frequently asked questions
Is Usio Inc (USIO) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $0.6400 versus a price of $2.96, about 78% lower (overvalued).
What is the fair value of USIO?
Our model-based fair value for Usio Inc is $0.6400 (as of Nov 7, 2026), built from audited fundamentals. The current price: $2.96.
What is the quality score of USIO?
Usio Inc has a Quality Score of 25/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Usio Inc (USIO)?
Our model-based price target is the fair value of $0.6400 (as of Nov 7, 2026) from 2 valuation models. Cautious scenario $0.5000, optimistic scenario $0.8900. It is a calculation from audited fundamentals, not an analyst target.
What is the Usio Inc stock forecast for 2026?
Our models put fair value at $0.6400, about 78% lower versus a price of $2.96 (overvalued). Cautious scenario $0.5000, optimistic scenario $0.8900. The calculation is refreshed regularly with new filings.
What is the revenue of Usio Inc (USIO)?
Usio Inc reported trailing-twelve-month revenue of about $92.6M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Usio Inc (USIO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Usio Inc it is $0.6400 per share (as of Nov 7, 2026), against a price of $2.96. It is the blended result of 2 valuation models in 2 families (Asset-Based, Growth DCF).
Is Usio Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, USIO trades above its calculated fair value: price $2.96, fair value $0.6400, a gap of about −78% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of USIO?
No. The price is what the market pays today ($2.96); the fair value is what the company's own numbers justify ($0.6400). For Usio Inc the two are $2.32 per share apart. That gap is exactly why we show both numbers side by side.
How much is Usio Inc worth?
The market values Usio Inc at about $85.1M (market capitalisation, as of Nov 7, 2026). Per share that is $2.96; our models calculate a fair value of $0.6400 per share.
What do the bullish and bearish scenarios say about USIO?
Our models span a range for Usio Inc: cautious scenario $0.5000, base $0.6400, optimistic $0.8900 per share (as of Nov 7, 2026, price $2.96). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of USIO?
The PEG ratio of Usio Inc is 0.95 (P/E divided by earnings growth, as of Nov 7, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Usio Inc (USIO)?
Balance-sheet figures for Usio Inc (as of Nov 7, 2026): return on equity −8.0%, debt of 0.06 per unit of equity. They feed the Quality Score of 25/100, which measures business quality independently of the share price.
How far is USIO from its 52-week high?
Usio Inc trades at $2.96, about 9% below its 52-week high of $3.25 and 182% above the low of $1.05 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $0.6400 is for.
Which stocks are comparable to Usio Inc?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Usio Inc stock attractive at the current price?
The data as of Nov 7, 2026: price $2.96, calculated fair value $0.6400 (−78%), Quality Score 25/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of USIO calculated?
We run Usio Inc through 2 models from 2 families: Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of $0.6400 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Usio Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Usio Inc (USIO)?
The closing price on Nov 6, 2026 was $2.96. Our model-based fair value is $0.6400, about 78% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Usio Inc right now?
The price sits above even our optimistic bull case ($0.8900). The favourable scenario is already priced in. Weak quality (25/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of Usio Inc
How large is the market capitalisation of Usio Inc (USIO)?
The market capitalisation of Usio Inc is $85.1M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Usio Inc (USIO)?
The price-to-sales ratio of Usio Inc is 0.99 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Usio Inc (USIO)?
Earnings per share at Usio Inc are $−0.0600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Usio Inc (USIO)?
The net margin of Usio Inc is −1.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Usio Inc (USIO)?
The return on equity (ROE) of Usio Inc is −8.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Usio Inc (USIO)?
On an EBIT basis the return on assets of Usio Inc is −2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Usio Inc (USIO)?
The operating margin of Usio Inc is 1.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Usio Inc (USIO)?
Revenue at Usio Inc is growing +18.6% versus a year earlier (3y avg +7.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Usio Inc (USIO)?
Earnings per share at Usio Inc are growing −63.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Usio Inc (USIO) generate?
The free cash flow of Usio Inc is $1.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Usio Inc (USIO) hold?
Usio Inc holds more cash than debt, $3.5M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 7, 2026
