EN DE
Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation

Usio Inc (USIO) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Usio Inc $0.83, price $2.27, upside -63.4%, quality 28 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Technology · US · ISIN US9173131080

UI Usio Inc logo Thin data Sep 23, 2026

Usio Inc

USIO · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $0.8300 · Strongly overvalued (−63%)
!Quality 28/100
!Mixed Growth (revenue 5y +21.5 %/yr)
!Loss-making · -2.4% net margin (TTM)
✓Low debt · generates free cash flow
!Trails peers (4/12)
!Narrow moat 13/100
!Insider activity 35/100
!Evidence only low, so the estimate is less certain
Watch Usio Inc for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card. Watch for free Pro now: $1 first month

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$8.26 $1.05 Fair Value $0.8300 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $1.05 – $8.26 · fair‑value band $0.6300 – $1.17 · the $2.27 price screens above the $0.8300 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. Dashed = 300-day average. As of Sep 23, 2026.

Follow Usio in your weekly email

Every Wednesday you see whether Usio is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

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 processing services.

Show more

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.

Stock analysis

Usio Inc (USIO) currently trades at $2.27, while our model-based Fair Value estimate is $0.8300, implying the stock looks roughly 173.5% overvalued today.

Show more

Valuation

Bull case: the Growth DCF group reads highest at a median of $0.9400 per share, and 0 of the 3 models we run sit above the $2.27 price.

Bear case: the Asset-Based group reads lowest at $0.4300, and 3 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.6300 (bear) to $1.17 (bull), the price of $2.27 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 28/100 (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 $61.1M · P/S ratio 0.67 · EPS (TTM) $−0.0800 · Net margin −2.9% · Return on equity −11.6% · Return on assets (EBIT) −2.1% · Operating margin 0.9% · Revenue (TTM) $88.9M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 23% below its 52-week high and 116% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −19% fair-value upside, at −63%, USIO screens richer than that median.

Fair Value models

Bear $0.6300 Fair Value $0.8300 Bull $1.17
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Growth DCF $0.6800 $0.9400 $1.39 78
Rev-Margin DCF $0.6500 $1.03 $1.74 71
NCAV (Graham) $0.3200 $0.4300 $0.6500 54
All 3 models by family
Asset-Based
NCAV (Graham) $0.3200 $0.4300 $0.6500 54
Growth DCF
Growth DCF $0.6800 $0.9400 $1.39 78
Rev-Margin DCF $0.6500 $1.03 $1.74 71

Open the full fair value analysis →

Notify me when USIO reaches fair value

Put USIO on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.

Set up alert →

Quality Score breakdown

Overall quality 28/100

Of which business quality 29 · Market factors (momentum, volatility) 65

Profitability 17
Margins and returns on capital today
Quality Growth 17
Are margins and returns improving?
Cashflow 34
Earnings quality: real cash, not paper profit
Fin. Strength 18
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 19
Calm price path (market factor)
Momentum 86
Price trend over the last 3–12 months (market factor)
52W Momentum 80
Distance to the 52-week high (market factor)
Net Issuance 39
Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

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%
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
not computed

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+39.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+9.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +35.8% a year for the price and +6.8% for the forecasts.
Forecast 2026 (sales)+12.1%
Forecast 2027 (sales)+10.2%
Projected 2028 (sales)+9.1%
Projected 2029 (sales)+8.1%
Projected 2030 (sales)+7.1%

USIO screens 174% overvalued. Compare with Microsoft Corporation →

Compare Usio Inc with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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 · 383 stocks

Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 26 · Bottom 25%
Fair Value upside −63% · Bottom 25%
Profitability
Return on assets −1% · Below median
Net margin (TTM) −2% · Below median
Operating margin (TTM) 1% · Below median
Growth and dividend
Revenue growth 16% · Above median
Balance sheet
Debt / equity 0.06× · Below median

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/B 3.41× · Pricier than median
P/S (TTM) 0.69× · Cheapest 25%
P/FCF 56.7× · Priciest 25%
PEG 0.95× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 16
FUTURE (revenue growth)79 · sector 48
PAST (return on equity)0 · sector 18
HEALTH (low debt)97 · sector 97
DIVIDEND (yield)0 · sector 33

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Microsoft Corporation MSFT $498.00 $547.80 +10%
Oracle Corporation ORCL $149.20 $117.84 −21%
Palantir Technologies Inc PLTR $184.99 $43.02 −77%
Palo Alto Networks, Inc PANW $374.57 $114.50 −69%
CrowdStrike Holdings CRWD $262.49 $35.15 −87%
Fortinet, Inc FTNT $178.74 $164.92 −8%
Synopsys, Inc SNPS $413.06 $250.04 −39%
Block, Inc XYZ $74.68 $101.29 +36%
CoreWeave, Inc CRWV $86.90 $71.79 −17%
NetApp, Inc NTAP $192.91 $157.18 −19%

Explore undervalued stocks

More undervalued Technology stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names ⭐ Top Rated 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Calculator with industry benchmark Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
DCF CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorFama-French ModelIntrinsic Value
For bloggers & editors: embed code + live data

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.

Usio Inc · Fair Value
$0.8300 −174%Fair Value
Calculator →

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 Sep 23, 2026, our model estimates a fair value of $0.8300 versus a price of $2.27, about −63% upside (overvalued).
What is the fair value of USIO?
Our model-based fair value for Usio Inc is $0.8300 (as of Sep 23, 2026), built from audited fundamentals. The current price: $2.27.
What is the quality score of USIO?
Usio Inc has a Quality Score of 28/100. 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 $0.8300 (as of Sep 23, 2026) from 3 valuation models. Cautious scenario $0.6300, optimistic scenario $1.17. 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 $0.8300, about −63% upside versus a price of $2.27 (overvalued). Cautious scenario $0.6300, optimistic scenario $1.17. 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 $88.9M (latest available figure, as of Sep 23, 2026).
What growth is priced into Usio Inc (USIO)?
For today's price to be fair in a discounted-cash-flow model, Usio Inc would have to grow free cash flow by +39.0 % per year for five years (discount rate 14.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +21.5 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of USIO use?
Our models discount Usio Inc at 14.0 %: a base by market capitalisation (micro), damped by beta 1.40, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Usio Inc that is +39.0 % per year a year over ten years, using the same discount rate (14.0 %) and the same formula as our fair value.
How much growth has Usio Inc (USIO) delivered so far?
Over the past 5 years revenue at Usio Inc grew +21.5 % a year. The price currently implies +39.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Usio Inc (USIO) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into Usio Inc (+39.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Usio Inc (USIO)?
The free-cash-flow yield on the price is 1.76 %: that much free cash flow Usio Inc produces per unit of market value. When it exceeds the discount rate of our models (14.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $0.8300 per share (as of Sep 23, 2026), against a price of $2.27. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Usio Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, USIO trades above its calculated fair value: price $2.27, fair value $0.8300, a gap of about −63% (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 ($2.27); the fair value is what the company's own numbers justify ($0.8300). For Usio Inc the two are $1.44 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 $61.1M (market capitalisation, as of Sep 23, 2026). Per share that is $2.27; our models calculate a fair value of $0.8300 per share.
What do the bullish and bearish scenarios say about USIO?
Our models span a range for Usio Inc: cautious scenario $0.6300, base $0.8300, optimistic $1.17 per share (as of Sep 23, 2026, price $2.27). 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 Sep 23, 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 Sep 23, 2026): return on equity −11.6%, debt of 0.06 per unit of equity. They feed the Quality Score of 28/100, which measures business quality independently of the share price.
How far is USIO from its 52-week high?
Usio Inc trades at $2.27, about 23% below its 52-week high of $2.94 and 116% above the low of $1.05 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.8300 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 Sep 23, 2026: price $2.27, calculated fair value $0.8300 (−63%), Quality Score 28/100, from 3 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 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.8300, 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 13.0 % 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 Sep 23, 2026 was $2.27. Our model-based fair value is $0.8300, about −63% upside (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 ($1.17). The favourable scenario is already priced in. Weak quality (28/100) 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. A fairly wide model range ($0.6300 to $1.17) leaves room in how you read the outcome.

Key figures of Usio Inc

How large is the market capitalisation of Usio Inc (USIO)?
The market capitalisation of Usio Inc is $61.1M. 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 0.67 (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 $−0.0800. 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 −2.9% (fiscal year 2025). 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 −11.6% (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 0.9% (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 +15.7% 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 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.
Free · no account needed

Watch Usio Inc in the live analysis

One click puts Usio Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.