Usio, Inc. (USIO)Technology | Software - Infrastructure | San Antonio, United States | NasdaqGM
2.77 USD
+0.06
(2.214%)
⇧
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 2.77 |
Hot Take ↕ | Aug. 22, 2026, 6 a.m. EDT
The immediate outlook is driven by aggressive speculative positioning rather than deep fundamental value. While the company recently reported positive revenue growth and acquired PostCredit, the balance sheet remains fragile with negative free cash flow and a loss-making history. The market is pricing in a recovery, evidenced by the heavy call buying and the stock trading near its 52-week high, yet the statistical forecast model offers no directional guidance, highlighting the noise in the current price action. For the long term, the lack of a dividend, combined with the company's inability to generate consistent profitability and the volatile nature of its past performance, prevents a confident buy recommendation despite the recent operational wins. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.225140 |
| AutoTheta | 0.239429 |
| AutoETS | 0.239593 |
| AutoARIMA | 0.244659 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 40% |
| H-stat | 1.79 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.780 |
| Excess Kurtosis | -0.36 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 24.553 |
| Revenue per Share | 3.364 |
| Market Cap | 78,932,296 |
| Forward P/E | 39.57 |
| Beta | 1.31 |
| Profit Margins | -1.63% |
| Website | https://usio.com |
As of Aug. 22, 2026, 6 a.m. EDT: Speculators are overwhelmingly bullish in the near term, with massive volume and open interest concentrated in in-the-money calls at the $2.50 strike for September expiration. This suggests a strong expectation of a move toward the analyst mean target. Conversely, the distant March 2027 expiry shows significant open interest in out-of-the-money puts, indicating a hedge against a potential long-term reversal or a bet on volatility expansion if the stock fails to sustain its recent gains.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.8689655 |
| Address1 | 3,611 Paesanos Parkway |
| Address2 | Suite 300 |
| All Time High | 675.0 |
| All Time Low | 0.15 |
| Ask | 2.95 |
| Ask Size | 2 |
| Average Analyst Rating | 2.0 - Buy |
| Average Daily Volume10 Day | 491,690 |
| Average Daily Volume3 Month | 300,245 |
| Average Volume | 300,245 |
| Average Volume10Days | 491,690 |
| Beta | 1.311 |
| Bid | 1.59 |
| Bid Size | 2 |
| Book Value | 0.656 |
| City | San Antonio |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 2.77 |
| Current Ratio | 1.096 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 2.8694 |
| Day Low | 2.7 |
| Debt To Equity | 24.553 |
| Display Name | Usio |
| Earnings Call Timestamp End | 1,786,566,600 |
| Earnings Call Timestamp Start | 1,786,566,600 |
| Earnings Timestamp | 1,786,564,800 |
| Earnings Timestamp End | 1,794,427,200 |
| Earnings Timestamp Start | 1,794,427,200 |
| Ebitda | 377,192 |
| Ebitda Margins | 0.0040700003 |
| Enterprise To Ebitda | 204.565 |
| Enterprise To Revenue | 0.834 |
| Enterprise Value | 77,160,440 |
| Eps Current Year | 0.03 |
| Eps Forward | 0.07 |
| Eps Trailing Twelve Months | -0.06 |
| Esg Populated | 0 |
| Exchange | NGM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 2.285 |
| Fifty Day Average Change | 0.4849999 |
| Fifty Day Average Change Percent | 0.21225378 |
| Fifty Two Week Change Percent | 86.89655 |
| Fifty Two Week High | 3.05 |
| Fifty Two Week High Change | -0.27999997 |
| Fifty Two Week High Change Percent | -0.09180327 |
| Fifty Two Week Low | 1.03 |
| Fifty Two Week Low Change | 1.74 |
| Fifty Two Week Low Change Percent | 1.6893204 |
| Fifty Two Week Range | 1.03 - 3.05 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 919,693,800,000 |
| Float Shares | 20,023,727 |
| Forward Eps | 0.07 |
| Forward P E | 39.571426 |
| Free Cashflow | -559,646 |
| Full Exchange Name | NasdaqGM |
| Full Time Employees | 107 |
| Fullday Change | 0.0599999 |
| Fullday Change Percent | 2.21402 |
| Fullday Price | 2.77 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.22261 |
| Gross Profits | 20,606,356 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.35006002 |
| Held Percent Institutions | 0.24781 |
| Implied Shares Outstanding | 28,495,414 |
| Industry | Software - Infrastructure |
| Industry Disp | Software - Infrastructure |
| Industry Key | software-infrastructure |
| Ir Website | http://www.paymentdata.com/?page_id=10 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,437,609,600 |
| Last Split Factor | 1:15 |
| Long Business Summary | 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. |
| Long Name | Usio, Inc. |
| Market | us_market |
| Market Cap | 78,932,296 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_400553 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | -1,508,132 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 77,222,571 |
| Number Of Analyst Opinions | 3 |
| Open | 2.7 |
| Operating Cashflow | 656,030 |
| Operating Margins | 0.01592 |
| Payout Ratio | 0.0 |
| Peg Ratio | 0.95 |
| Phone | 210 249 4100 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 2.77 |
| Post Market Time | 1,787,959,805 |
| Previous Close | 2.71 |
| Price Eps Current Year | 92.333336 |
| Price Hint | 4 |
| Price To Book | 4.222561 |
| Price To Sales Trailing12 Months | 0.8526953 |
| Profit Margins | -0.01629 |
| Quick Ratio | 0.127 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.0 |
| Region | US |
| Regular Market Change | 0.0599999 |
| Regular Market Change Percent | 2.21402 |
| Regular Market Day High | 2.8694 |
| Regular Market Day Low | 2.7 |
| Regular Market Day Range | 2.7 - 2.8694 |
| Regular Market Open | 2.7 |
| Regular Market Previous Close | 2.71 |
| Regular Market Price | 2.77 |
| Regular Market Time | 1,787,947,200 |
| Regular Market Volume | 191,559 |
| Return On Assets | -0.00603 |
| Return On Equity | -0.08038 |
| Revenue Growth | 0.186 |
| Revenue Per Share | 3.364 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Shares Outstanding | 28,495,414 |
| Shares Percent Shares Out | 0.0019 |
| Shares Short | 55,406 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 75,761 |
| Short Name | Usio, Inc. |
| Short Percent Of Float | 0.0023999999 |
| Short Ratio | 0.13 |
| Source Interval | 15 |
| State | TX |
| Symbol | USIO |
| Target High Price | 6.75 |
| Target Low Price | 5.0 |
| Target Mean Price | 5.91667 |
| Target Median Price | 6.0 |
| Total Cash | 6,385,966 |
| Total Cash Per Share | 0.224 |
| Total Debt | 4,614,106 |
| Total Revenue | 92,568,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -0.06 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 1.5895 |
| Two Hundred Day Average Change | 1.1805 |
| Two Hundred Day Average Change Percent | 0.74268645 |
| Type Disp | Equity |
| Volume | 191,559 |
| Website | https://usio.com |
| Zip | 78,231 |