Market Cap 33.32M
Revenue (ttm) 82.93M
Net Income (ttm) 3.31M
EPS (ttm) N/A
PE Ratio 0.00
Forward PE 12.62
Profit Margin 3.99%
Debt to Equity Ratio 0.04
Volume 32,700
Avg Vol 42,668
Day's Range N/A - N/A
Shares Out 27.31M
Stochastic %K 0%
Beta 1.28
Analysts Sell
Price Target $5.12

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. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company offers merchant account services...

Industry: Software - Infrastructure
Sector: Technology
Phone: 210 249 4100
Website: usio.com
Address:
3611 Paesanos Parkway, Suite 300, San Antonio, United States
SystemSwindler217
SystemSwindler217 Mar. 17 at 6:30 PM
$USIO Love cheap shares of an undervalued growth company with real potential. Been buying a lot recently. Will do a youtube video on the earnings report most likely next month.
0 · Reply
justme_DC
justme_DC Mar. 17 at 2:50 PM
$USIO illiquid as crap right now (less than 1000 shares for the day). Could be double edge sword. IF they really do have a phenominal report tomorrow, it could move up really quick. But assuming National Services has been selling in so many small batches because of the illiquidity, they could use that and keep the selling pressure high. Hmmm, let's hope they can move the needle enough for NS to keep the millions of shares they still have. Hopeful, but not holding my breath with this BOD.
1 · Reply
TheHellYouSay
TheHellYouSay Mar. 17 at 1:23 PM
$USIO https://www.forbes.com/sites/jeffkauflin/2026/03/17/why-an-unsustainable-bubble-is-growing-inside-fintech/?cdlcid=5e33389b26f096d31d41b83c This article doesn't pertain 100% to $USIO since it's a much smaller company, but it's interesting that the valuations are so high and highest among those who are still privately held. Like almost everything these days, it's all about how AI will impact things, so reading that PostCredit brings some AI depth of experience into the Usio One product suite is pretty darn exciting. Publicly traded Fintechs may be down, but they're not out. It's Earnings Time again, let's hope it's a good one!
0 · Reply
SmartContent
SmartContent Mar. 17 at 1:19 PM
Cheap Real-World AI & Systems Basket $SLNH Kati 1 is live. Big upside, but dilution risk stays. $USIO Volume is rising. Mar. 18 earnings are the next test. Cheap Real-World AI & Systems Basket BZAI- CRO hired. Mar. 24 earnings are the next proof point. HGBL- FY25 revenue grew 12%. DebtX is the 2026 lever. REKR- Georgia DOT anchors it. Cost cuts are the 2026 test. RR- Cash is strong. Lawsuit overhang still clouds the story. RXT- Cash flow improved. 2026 is an AI-turnaround test.
0 · Reply
SmartContent
SmartContent Mar. 16 at 4:10 PM
$USIO looks better operationally than the stock gives it credit for. The company’s January letter said preliminary 2025 payment volume topped $8.4B, up from $7.1B in 2024, with 60.4M+ transactions and new Q4 records in ACH plus expected records in PINless debit and Card/PayFac volumes. Usio also added PostCredit to push deeper into AI-driven expense management and business banking. The catch is revenue did not fully keep up with volume because of a lost reseller account and lower rates. March 18 earnings is the real tell: if the volume strength starts converting cleaner into revenue and margin, this one gets more interesting.
0 · Reply
j8684
j8684 Mar. 16 at 1:39 PM
$USIO Under $100 incoming
0 · Reply
DragonsTreasure
DragonsTreasure Mar. 14 at 3:05 AM
$USIO earnings next week and next one will already be in May. I think these two are make or break. Could be turning point for the company and shareholders. High hopes.
0 · Reply
Goodfellasfinancial
Goodfellasfinancial Mar. 13 at 10:20 PM
$USIO we hit 1.22 to which I have a monstrous buy order, however, my order never executed and it is not an "All or none" typer order. gen alphas would say a little "sus"
2 · Reply
SmartContent
SmartContent Mar. 13 at 9:41 PM
$USIO Digital payments continue replacing cash and legacy systems. Small fintech companies and SaaS platforms need backend payment rails. USIO becomes a widely integrated payment processing layer for many niche industries. Because payment systems are sticky, revenue compounds slowly but steadily. It becomes a small but consistently profitable fintech infrastructure company.
0 · Reply
SmartContent
SmartContent Mar. 13 at 9:27 PM
$USIO provides the backend infrastructure that enables businesses to process digital payments and manage transaction flows, an area that continues expanding as commerce moves online. Payment systems tend to become deeply integrated into customer operations, creating sticky relationships once implemented. Growth in digital transactions and embedded finance could gradually expand the company’s role in the payments ecosystem.
0 · Reply
Latest News on USIO
Usio Inc. Publishes 2025 Annual Letter to Shareholders

Jan 21, 2026, 9:05 AM EST - 7 weeks ago

Usio Inc. Publishes 2025 Annual Letter to Shareholders


Usio Acquires PostCredit Co

Nov 25, 2025, 9:01 AM EST - 4 months ago

Usio Acquires PostCredit Co


Usio, Inc. (USIO) Q3 2025 Earnings Call Transcript

Nov 12, 2025, 7:01 PM EST - 4 months ago

Usio, Inc. (USIO) Q3 2025 Earnings Call Transcript


Usio Announces Third Quarter 2025 Financial Results

Nov 12, 2025, 4:01 PM EST - 4 months ago

Usio Announces Third Quarter 2025 Financial Results


Usio Reports Record Third Quarter 2025 Processing Volumes

Nov 4, 2025, 9:05 AM EST - 4 months ago

Usio Reports Record Third Quarter 2025 Processing Volumes


Usio Inc. Earns 2025/2026 Great Place To Work Certification™

Aug 19, 2025, 9:00 AM EDT - 7 months ago

Usio Inc. Earns 2025/2026 Great Place To Work Certification™


Usio, Inc. (USIO) Q2 2025 Earnings Call Transcript

Aug 7, 2025, 3:12 AM EDT - 7 months ago

Usio, Inc. (USIO) Q2 2025 Earnings Call Transcript


Usio Announces Second Quarter 2025 Financial Results

Aug 6, 2025, 4:01 PM EDT - 7 months ago

Usio Announces Second Quarter 2025 Financial Results


Usio Helps Lead Texas Flood Relief Efforts

Jul 10, 2025, 9:05 AM EDT - 8 months ago

Usio Helps Lead Texas Flood Relief Efforts


Usio, Inc. (USIO) Q1 2025 Earnings Call Transcript

May 14, 2025, 8:53 PM EDT - 10 months ago

Usio, Inc. (USIO) Q1 2025 Earnings Call Transcript


Usio Announces First Quarter 2025 Financial Results

May 14, 2025, 4:01 PM EDT - 10 months ago

Usio Announces First Quarter 2025 Financial Results


I Like Usio's Direction, But Not Enough To Buy Right Now

Mar 28, 2025, 8:24 AM EDT - 1 year ago

I Like Usio's Direction, But Not Enough To Buy Right Now


Usio, Inc. (USIO) Q4 2024 Earnings Call Transcript

Mar 26, 2025, 6:53 PM EDT - 1 year ago

Usio, Inc. (USIO) Q4 2024 Earnings Call Transcript


Usio Increases, Extends Share Repurchase Program

Mar 26, 2025, 5:38 PM EDT - 1 year ago

Usio Increases, Extends Share Repurchase Program


Usio Increases and Extends Share Repurchase Program

Mar 26, 2025, 4:01 PM EDT - 1 year ago

Usio Increases and Extends Share Repurchase Program


Usio Announces Participation in Upcoming Investor Conferences

Feb 12, 2025, 9:00 AM EST - 1 year ago

Usio Announces Participation in Upcoming Investor Conferences


Usio, Inc. (USIO) Q3 2024 Earnings Call Transcript

Nov 7, 2024, 12:14 AM EST - 1 year ago

Usio, Inc. (USIO) Q3 2024 Earnings Call Transcript


Usio Announces Third Quarter 2024 Financial Results

Nov 6, 2024, 4:01 PM EST - 1 year ago

Usio Announces Third Quarter 2024 Financial Results


Usio, Inc. (USIO) Q2 2024 Earnings Call Transcript

Aug 14, 2024, 9:18 PM EDT - 1 year ago

Usio, Inc. (USIO) Q2 2024 Earnings Call Transcript


Usio Announces Second Quarter 2024 Financial Results

Aug 14, 2024, 4:01 PM EDT - 1 year ago

Usio Announces Second Quarter 2024 Financial Results


Usio Featured at The NASDAQ MarketSite

Jul 11, 2024, 9:00 AM EDT - 1 year ago

Usio Featured at The NASDAQ MarketSite


Usio, Inc. (USIO) Q1 2024 Earnings Call Transcript

May 15, 2024, 8:13 PM EDT - 1 year ago

Usio, Inc. (USIO) Q1 2024 Earnings Call Transcript


Usio Announces First Quarter 2024 Financial Results

May 15, 2024, 4:01 PM EDT - 1 year ago

Usio Announces First Quarter 2024 Financial Results


Usio to Present at LD Micro Invitational XIV

Apr 2, 2024, 9:00 AM EDT - 2 years ago

Usio to Present at LD Micro Invitational XIV


Usio, Inc. (USIO) Q4 2023 Earnings Call Transcript

Mar 27, 2024, 8:40 PM EDT - 2 years ago

Usio, Inc. (USIO) Q4 2023 Earnings Call Transcript


Usio Announces Record Full Year 2023 Revenues

Mar 27, 2024, 4:01 PM EDT - 2 years ago

Usio Announces Record Full Year 2023 Revenues


Usio's Payments Technology Giving Sports Clubs a ‘Boost'

Mar 12, 2024, 4:01 PM EDT - 2 years ago

Usio's Payments Technology Giving Sports Clubs a ‘Boost'


Usio Reiterates Fiscal 2023 Revenue Growth Guidance of 18-20%

Mar 12, 2024, 9:00 AM EDT - 2 years ago

Usio Reiterates Fiscal 2023 Revenue Growth Guidance of 18-20%


Usio, Inc. to Participate in 36th Annual Roth Conference

Mar 4, 2024, 9:00 AM EST - 2 years ago

Usio, Inc. to Participate in 36th Annual Roth Conference


Usio, Inc. (USIO) Q3 2023 Earnings Call Transcript

Nov 9, 2023, 12:13 AM EST - 2 years ago

Usio, Inc. (USIO) Q3 2023 Earnings Call Transcript


Usio Announces Record Third Quarter 2023 Financial Results

Nov 8, 2023, 4:00 PM EST - 2 years ago

Usio Announces Record Third Quarter 2023 Financial Results


SystemSwindler217
SystemSwindler217 Mar. 17 at 6:30 PM
$USIO Love cheap shares of an undervalued growth company with real potential. Been buying a lot recently. Will do a youtube video on the earnings report most likely next month.
0 · Reply
justme_DC
justme_DC Mar. 17 at 2:50 PM
$USIO illiquid as crap right now (less than 1000 shares for the day). Could be double edge sword. IF they really do have a phenominal report tomorrow, it could move up really quick. But assuming National Services has been selling in so many small batches because of the illiquidity, they could use that and keep the selling pressure high. Hmmm, let's hope they can move the needle enough for NS to keep the millions of shares they still have. Hopeful, but not holding my breath with this BOD.
1 · Reply
TheHellYouSay
TheHellYouSay Mar. 17 at 1:23 PM
$USIO https://www.forbes.com/sites/jeffkauflin/2026/03/17/why-an-unsustainable-bubble-is-growing-inside-fintech/?cdlcid=5e33389b26f096d31d41b83c This article doesn't pertain 100% to $USIO since it's a much smaller company, but it's interesting that the valuations are so high and highest among those who are still privately held. Like almost everything these days, it's all about how AI will impact things, so reading that PostCredit brings some AI depth of experience into the Usio One product suite is pretty darn exciting. Publicly traded Fintechs may be down, but they're not out. It's Earnings Time again, let's hope it's a good one!
0 · Reply
SmartContent
SmartContent Mar. 17 at 1:19 PM
Cheap Real-World AI & Systems Basket $SLNH Kati 1 is live. Big upside, but dilution risk stays. $USIO Volume is rising. Mar. 18 earnings are the next test. Cheap Real-World AI & Systems Basket BZAI- CRO hired. Mar. 24 earnings are the next proof point. HGBL- FY25 revenue grew 12%. DebtX is the 2026 lever. REKR- Georgia DOT anchors it. Cost cuts are the 2026 test. RR- Cash is strong. Lawsuit overhang still clouds the story. RXT- Cash flow improved. 2026 is an AI-turnaround test.
0 · Reply
SmartContent
SmartContent Mar. 16 at 4:10 PM
$USIO looks better operationally than the stock gives it credit for. The company’s January letter said preliminary 2025 payment volume topped $8.4B, up from $7.1B in 2024, with 60.4M+ transactions and new Q4 records in ACH plus expected records in PINless debit and Card/PayFac volumes. Usio also added PostCredit to push deeper into AI-driven expense management and business banking. The catch is revenue did not fully keep up with volume because of a lost reseller account and lower rates. March 18 earnings is the real tell: if the volume strength starts converting cleaner into revenue and margin, this one gets more interesting.
0 · Reply
j8684
j8684 Mar. 16 at 1:39 PM
$USIO Under $100 incoming
0 · Reply
DragonsTreasure
DragonsTreasure Mar. 14 at 3:05 AM
$USIO earnings next week and next one will already be in May. I think these two are make or break. Could be turning point for the company and shareholders. High hopes.
0 · Reply
Goodfellasfinancial
Goodfellasfinancial Mar. 13 at 10:20 PM
$USIO we hit 1.22 to which I have a monstrous buy order, however, my order never executed and it is not an "All or none" typer order. gen alphas would say a little "sus"
2 · Reply
SmartContent
SmartContent Mar. 13 at 9:41 PM
$USIO Digital payments continue replacing cash and legacy systems. Small fintech companies and SaaS platforms need backend payment rails. USIO becomes a widely integrated payment processing layer for many niche industries. Because payment systems are sticky, revenue compounds slowly but steadily. It becomes a small but consistently profitable fintech infrastructure company.
0 · Reply
SmartContent
SmartContent Mar. 13 at 9:27 PM
$USIO provides the backend infrastructure that enables businesses to process digital payments and manage transaction flows, an area that continues expanding as commerce moves online. Payment systems tend to become deeply integrated into customer operations, creating sticky relationships once implemented. Growth in digital transactions and embedded finance could gradually expand the company’s role in the payments ecosystem.
0 · Reply
SystemSwindler217
SystemSwindler217 Mar. 11 at 6:21 PM
$USIO Still buying. Don’t have enough. Closing in on $90M in Revenue for 2025. Should be a $3+ stock at the very least. Company has powder for buybacks. It’s not the company, it’s the industry and business model. Mr. Market will be favorable to us once again. I will wait and accumulate. Mastercard will buy us out for $10+ if we execute over the next few years.
2 · Reply
DragonsTreasure
DragonsTreasure Mar. 10 at 8:07 PM
$USIO moving in the wrong direction. Could be National Services dumping, it will be long before they can unload all those shares.
1 · Reply
DragonsTreasure
DragonsTreasure Mar. 6 at 11:43 PM
$USIO there's recent video on YT, interview with VP of sales at USIO. Not much input. https://www.youtube.com/watch?v=4IgZKgwChRM
0 · Reply
TheHellYouSay
TheHellYouSay Mar. 6 at 1:49 PM
$USIO Wet Dress Rehearsal for Liftoff is Underway! Houston, We Are a GO!!!
1 · Reply
focafoca99
focafoca99 Mar. 4 at 5:08 PM
$USIO now has a clear catalyst date. Watchers count is still light (3,305). Could get spicy into the event window!
0 · Reply
ResearchHills
ResearchHills Mar. 3 at 12:44 AM
$USIO Litchfield Hills Research has published an updated research report on USIO titled, “Looking Past Quiet 2025: USIO’s 2026 Outlook Is Quietly Improving”. The report is available on our website under Current Research.
1 · Reply
DragonsTreasure
DragonsTreasure Mar. 2 at 2:34 PM
$USIO 34k shares bought at open today. Unusual.
0 · Reply
justme_DC
justme_DC Feb. 25 at 10:32 PM
$USIO Louis, come on. 3 years!! I wish I could say just flatlined, but actually 30% down and after the repeated 'promises' and 'the future looks great PR's'. When are you going to deliver? I am an insignificant retail, but my shares are more than your daily average volume this week. For goodness sake...at least sell your company for a 30% uplift to a company that can do something with USIO. We all know the definition of insanity.
1 · Reply
hafstein
hafstein Feb. 25 at 1:00 PM
$USIO I think this will be 2-3$ within the next 4-6 months.
0 · Reply
DragonsTreasure
DragonsTreasure Feb. 24 at 4:38 AM
$USIO good news guys... AI is huge opportunity here, Clawbot is game changer. We're about to experience boom of small businesses, a huge opportunity for company like USIO that targets small businesses. Fintech is so back. We're going big this year.
0 · Reply
justme_DC
justme_DC Feb. 23 at 7:01 PM
$USIO On the bright side....at least shorts have not taken an interest in this one (yet).
0 · Reply
justme_DC
justme_DC Feb. 23 at 6:56 PM
$USIO I don't think Warren was referring to this one :P :P
0 · Reply