USIO, Inc.

  • Market Cap: Micro Cap
  • Industry: Finance
  • ISIN: US9173131080
USD
1.41
0.01 (0.71%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

25.32 k

Shareholding (Mar 2025)

FII

0.28%

Held by 6 FIIs

DII

91.29%

Held by 9 DIIs

Promoter

0.00%

How big is USIO, Inc.?

22-Jun-2025

As of Jun 18, USIO, Inc. has a market capitalization of 38.55 million, with net sales of 83.97 million and net profit of 3.33 million over the latest four quarters. As of Dec 24, shareholder's funds are 19.16 million and total assets are 107.21 million.

As of Jun 18, USIO, Inc. has a market capitalization of 38.55 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of Net Sales for the latest four quarters is 83.97 million, while the sum of Net Profit for the same period is 3.33 million.<BR><BR>As of Dec 24, the reporting period shows Shareholder's Funds at 19.16 million and Total Assets at 107.21 million.

Read More

What does USIO, Inc. do?

22-Jun-2025

USIO, Inc. is a micro-cap integrated payment solutions provider specializing in electronic payment processing, with recent net sales of $22 million and a market cap of $38.55 million. The company has a P/E ratio of 12.00 and a return on equity of 17.48%.

Overview:<BR>USIO, Inc. is an integrated payment solutions provider engaged in processing electronic payments within the finance industry, classified as a micro-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 22 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 0 Million (Quarterly Results - Mar 2025)<BR>Market-cap: USD 38.55 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 12.00<BR>Dividend Yield: 0.00%<BR>Debt Equity: -999,999.00<BR>Return on Equity: 17.48%<BR>Price to Book: 2.03<BR><BR>Contact Details:<BR>Address: 3611 Paesanos Pkwy Ste 300, SAN ANTONIO TX: 78231-1258<BR>Tel: ['1 210 2494100', '1 610 2282110']<BR>Fax: 1 210 2494130<BR>Website: http://www.paymentdata.com/

Read More

Should I buy, sell or hold USIO, Inc.?

22-Jun-2025

Who are in the management team of USIO, Inc.?

22-Jun-2025

As of March 2022, the management team of USIO, Inc. includes Chairman and Co-Founder Michael Long, President and CEO Louis Hoch, and Independent Directors Blaise Bender, Ernesto Beyer del la Garza, and Bradley Rollins. They are responsible for the company's strategic direction and operations.

As of March 2022, the management team of USIO, Inc. includes the following individuals:<BR><BR>- Mr. Michael Long, who serves as the Chairman of the Board and is a Co-Founder of the company.<BR>- Mr. Louis Hoch, who is the President, Chief Executive and Operating Officer, and Vice Chairman of the Board.<BR>- Mr. Blaise Bender, who is an Independent Director.<BR>- Mr. Ernesto Beyer del la Garza, who is also an Independent Director.<BR>- Mr. Bradley Rollins, who serves as an Independent Director.<BR><BR>This team plays a crucial role in guiding the company's strategic direction and operations.

Read More

Is USIO, Inc. technically bullish or bearish?

20-Sep-2025

As of August 27, 2025, USIO, Inc. shows a mildly bullish trend despite mixed technical signals and notable underperformance compared to the S&P 500, with year-to-date returns of 0.68% versus 12.22%.

As of 27 August 2025, the technical trend for USIO, Inc. has changed from bearish to mildly bullish. The weekly MACD remains bearish, while the monthly MACD shows a mildly bullish stance. Daily moving averages indicate a mildly bullish trend. However, Bollinger Bands and the weekly KST are bearish, and the OBV is mildly bearish on a monthly basis. Dow Theory shows no trend in both weekly and monthly views. <BR><BR>In terms of performance, USIO has underperformed the S&P 500 across multiple periods, with a year-to-date return of 0.68% compared to the S&P 500's 12.22%, and a one-year return of 3.52% versus 17.14%. Overall, the current stance is mildly bullish but with mixed signals and notable underperformance relative to the benchmark.

Read More

Is USIO, Inc. overvalued or undervalued?

21-Oct-2025

As of October 17, 2025, USIO, Inc. is fairly valued with a P/E ratio of 12, underperforming the S&P 500 with a year-to-date return of -2.05%, and positioned moderately among peers with a P/E ratio of 14.11.

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.<BR><BR>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.

Read More
iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

MarketsMojo — Loved in India, Now Global

The power of Mojo is now in 29 countries. Explore global equities with the same cutting-edge features you love.

Dashboard
1

Poor Management Efficiency with a low ROE of 3.50%

  • The company has been able to generate a Return on Equity (avg) of 3.50% signifying low profitability per unit of shareholders funds
2

The company has declared negative results in Mar'2025 after 2 consecutive positive quarters

3

Risky - Market Cap of less than 100 cr

4

Consistent Underperformance against the benchmark over the last 3 years

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Finance

stock-summary
Market cap

USD 41 Million (Micro Cap)

stock-summary
P/E

12.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

15.37%

stock-summary
Price to Book

2.17

Revenue and Profits:
Net Sales:
20 Million
(Quarterly Results - Jun 2025)
Net Profit:
0 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
0%
0%
0.0%
6 Months
0.71%
0%
0.71%
1 Year
-0.7%
0%
-0.7%
2 Years
-18.02%
0%
-18.02%
3 Years
-41.0%
0%
-41.0%
4 Years
-74.87%
0%
-74.87%
5 Years
-11.88%
0%
-11.88%

USIO, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
23.50%
EBIT Growth (5y)
15.55%
EBIT to Interest (avg)
-2.51
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
30.38%
ROCE (avg)
0
ROE (avg)
3.50%
Valuation key factors
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
2.06
EV to EBIT
-22.19
EV to EBITDA
31.69
EV to Capital Employed
2.74
EV to Sales
0.38
PEG Ratio
0.02
Dividend Yield
NA
ROCE (Latest)
-12.33%
ROE (Latest)
17.48%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 8 Schemes (8.43%)

Foreign Institutions

Held by 6 Foreign Institutions (0.28%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -9.09% vs 6.80% in Mar 2025",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -100.00% vs -133.33% in Mar 2025",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "20.00",
          "val2": "22.00",
          "chgp": "-9.09%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "0.10",
          "val2": "0.30",
          "chgp": "-66.67%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "-0.40",
          "val2": "-0.20",
          "chgp": "-100.00%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-19.90%",
          "val2": "-10.90%",
          "chgp": "-0.90%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 0.36% vs 19.02% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 760.00% vs 90.91% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "82.90",
          "val2": "82.60",
          "chgp": "0.36%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "0.80",
          "val2": "0.20",
          "chgp": "300.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "0.10",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "3.30",
          "val2": "-0.50",
          "chgp": "760.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-17.70%",
          "val2": "-23.30%",
          "chgp": "0.56%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQstock-summary
Jun'25
Mar'25
Change(%)
Net Sales
20.00
22.00
-9.09%
Operating Profit (PBDIT) excl Other Income
0.10
0.30
-66.67%
Interest
0.00
0.00
Exceptional Items
0.00
0.00
Consolidate Net Profit
-0.40
-0.20
-100.00%
Operating Profit Margin (Excl OI)
-19.90%
-10.90%
-0.90%
USD in Million.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Jun 2025 is -9.09% vs 6.80% in Mar 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is -100.00% vs -133.33% in Mar 2025

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
82.90
82.60
0.36%
Operating Profit (PBDIT) excl Other Income
0.80
0.20
300.00%
Interest
0.10
0.00
Exceptional Items
0.00
0.00
Consolidate Net Profit
3.30
-0.50
760.00%
Operating Profit Margin (Excl OI)
-17.70%
-23.30%
0.56%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 0.36% vs 19.02% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 760.00% vs 90.91% in Dec 2023

stock-summaryCompany CV
About USIO, Inc. stock-summary
stock-summary
USIO, Inc.
Finance
Usio, Inc., formerly Payment Data Systems, Inc., is engaged in the business of processing electronic payments for other companies, including a range of automated clearing house (ACH) processing, credit, prepaid card and debit card-based processing. The Company is an integrated payment solutions provider offering a range of services to merchants, billers, banks, service bureaus, and card issuers. It operates through two operating entities: Payment Data Systems, Inc. and FiCentive, Inc. Payment Data Systems, Inc. provides integrated electronic payment processing services to merchants and businesses, including credit and debit card-based processing services and transaction processing through the ACH network. Its ACH processing services enable businesses to both disburse and collect funds electronically using e-checks to transfer funds instead of traditional paper checks. It provides prepaid card processing services for merchants and consumers through its subsidiary, FiCentive, Inc.
Company Coordinates stock-summary
Company Details
3611 Paesanos Pkwy Ste 300 , SAN ANTONIO TX : 78231-1258
stock-summary
Tel: 1 210 24941001 610 2282110
stock-summary
Registrar Details