Usio, Inc. (USIO) is a Financials stock trading at $1.94 (as of 2026-07-24), with a market capitalization of $53.40M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
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; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check, a consumer non-sufficient funds check that is presented for payment electronically rather than through the paper check collection system; and Accounts Receivable Check Conversion, a consumer paper check payment that is converted into an e-check. The company also offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. In addition, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Further, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing 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.
Usio provides integrated electronic payment processing services, including ACH processing plus credit, prepaid card, and debit card processing, and it also sells output solutions that deliver payment-related documents.
Profit is structurally driven by payment processing scale and mix, because the business processes payment flows electronically (ACH and card processing) and produces payment-related output (electronic-only documents and printed checks).
| Credit Cards | $0.0B |
| ACH & Complementary | $0.0B |
| Output Solutions | $0.0B |
| Prepaid Cards | $0.0B |
Business quality (Weak): Latest-quarter reporting shows effectively zero total revenue (0.0B), with very small segment revenue figures and thin profitability (operating margin 0.9%), so investors may need to rely more on operating KPIs and trend visibility than on quarter-to-quarter revenue in the data provided.
| Price | $1.94 |
| Market Cap | $53.40M |
| EV / EBITDA | -60.3 |
| Price / Book | 2.94 |
| Price / Sales | 0.60 |
| FCF Yield | 7.1% |
| Revenue (TTM) | $85.39M |
| Net Margin | -2.9% |
| Revenue Growth (YoY) | 3.0% |
| EPS Growth (YoY) | -175.0% |
| FCF Growth (YoY) | -43.4% |
| Altman Z-Score | 0.20 (distress) |
| Piotroski F-Score | 2/9 (weak) |
| Sector P/E (Financials) | 15.4 |
| Industry P/E (Banking) | 13.4 |
| Top Institutional Holder | WHITTIER TRUST CO ($3.20M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | Louis A. Hoch |
| Employees | 107 |
| Country | US |
| IPO Date | 1999-02-22 |
Data as of 2026-07-24.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.