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Company Analysis

Usio, Inc. USIO

A comprehensive view of key metrics, scores, and financial health for Usio, Inc.

Overview of Usio, Inc.

USIO NGM
Technology Software - Infrastructure Framework: Software & SaaS Micro Cap
Usio, Inc. (USIO), is a Micro Cap company, in the Software - Infrastructure industry, last closed at $2.83, about 322.3% undervalued vs fair value, +87.4% 1Y return, ranked 231/780 in sector.
Metrics Rev Growth 3.0% ROE -13.6% Gross Margin 23.1%
USD 2.83
-3.08%
(Delayed)
• Vol 90d: 70.7%
52-Week Range
Market Cap
$80.64M
Enterprise Value
$75.51M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 88%
Confidence: 92%
Updated: Oct 31
Top Beats

Quick Facts

Website https://usio.com
HQ San Antonio, TX
Employees 107
Fiscal year Dec 31

Next Events

Earnings Nov 11 Estimated

Fair Value Snapshot

Bear Base Bull
$11
$12
$13
Current: $2.83 +322% vs base

Engine Room Money Flow™

Micro Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$85.4M
3%%
Gross Profit
$19.7M
0.4%%
Operating Income (GAAP)
-$2.4M
-60.5%%
Operating Cash Flow
$1.5M
-47.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
23.1%
Poor

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

Locked Metric
-
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$1.1M

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
0/4
Improving
0
High Impact
4
Critical
Locked Leak
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Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating Usio, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
39
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Margins Hold Through Cycles Margin durability is strong (score 0.87), pointing to resilient pricing power.

Key risks

  • Weak Cash Conversion Cash conversion is weak (score 0.37), limiting evidence of scalable cash generation.
  • Weak Product Reinvestment R&D commitment lags peers (score 0.28), weakening the innovation moat.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Moderate
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Recurring Revenue Stickiness

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Signals, strengths and risks for Innovation Engine

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Signals, strengths and risks for Cash Scalability

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing USIO's balance between Growth (35.0%), Profitability (26.2%), and Safety (38.8%). Growth 35% Safety 39% Profitability 26%

Click axes to expand details. Marker shows current allocation.

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Growth

41th percentile vs peers
41
Key Signals
Def Rev Growth 18.9% 69p Rev Growth YoY 3.0% 34p Revenue CAGR 3Y 7.1% 45p Buyback % 4.2% 38p EPS Growth YoY -1.76 7p
Strengths
  • Net Debt/EBITDA in top 20% of peers (-2.45, 80th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

31th percentile vs peers
31
Key Signals
Strengths
Risks
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Safety

45th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Usio, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$11.95
- - -
+322.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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