Is USIO, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for USIO, Inc. has moved from attractive to fair. Based on the current metrics, the company appears to be fairly valued. Key ratios include a P/E ratio of 12, a Price to Book Value of 2.06, and an EV to EBITDA of 31.69. In comparison, peers such as Ocwen Financial Corp. have a P/E of 3.98 and an EV to EBITDA of 0.22, while Finance of America Cos., Inc. shows a P/E of 17.29 and an EV to EBITDA of 0.21.
In terms of stock performance, USIO, Inc. has underperformed relative to the S&P 500 over multiple periods, with a 3-year return of -20.56% compared to the S&P 500's 81.19%. This performance reinforces the view that the stock is currently fairly valued amidst a challenging market backdrop.