Is USIO, Inc. overvalued or undervalued?

As of 17 October 2025, the valuation grade for USIO, Inc. has moved from attractive to fair, indicating a shift in its perceived value. 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, which suggest that while the company has some attractive characteristics, it is not significantly undervalued.
In comparison to its peers, USIO, Inc. has a P/E ratio of 14.11, which is higher than loanDepot, Inc. at -19.16 and lower than Ocwen Financial Corp. at 3.98. This positions USIO in a moderate range among its competitors. Additionally, the company has underperformed against the S&P 500 over multiple periods, with a year-to-date return of -2.05% compared to the S&P 500's 13.30%, reinforcing the notion that USIO may not be a compelling investment at this time.