Usio, Inc.

Finance
Investment Bankers/Brokers/Service
www.usio.com

Moat Score
Safety Score

Market Cap $65.00M
PE 24
Debt $755.13K
Cash $37.18M
EV $28.58M
FCF -$35.16M

Earnings

loading chart...

Sales & Net Margins

loading chart...

Earnings	$2.70M
EBIT	-$203.55K
ROE	14%
ROA	-0%
FCF	-$35.16M
Equity	$18.93M
Growth Stability	1
PE	24.05
PB	3.43
P/FCF	-1.85
P/S	0.8
Price/Cash	0.57
Debt/Equity	0.04
Debt/FCF	-0.02
Net Margins	4%
Gross Margins	23%
Op. Margins	-0%
Sales Growth YoY	4%
Sales Growth QoQ	3%
Sales CAGR	31%
FCF CAGR	8%
Equity CAGR	8%
Earnings Growth YoY	-496%
Earnings Growth QoQ	4K%

Sales CAGR 5Y	30%
FCF CAGR 5Y	8%
Equity CAGR 5Y	13%
Earnings CAGR 3Y	11%
Sales CAGR 3Y	11%
FCF CAGR 3Y	7%
Equity CAGR 3Y	-1%
Market Cap	$65.00M
Revenue	$81.73M
Assets	$114.60M
Total Debt	$755.13K
Cash	$37.18M
Shares Outstanding	26.75M
EV	28.58M
Moat Score	61%
Safety Score	65%
Working Capital	9.62M
Current Ratio	1.1
Gross Profit	$19.04M
Shares Growth 3y	11%
Equity Growth QoQ	20%
Equity Growth YoY	27%

Assets & ROA

loading chart...

Stockholders Equity & ROE

loading chart...

Usio Inc is a United States-based company serves technology companies with merchant processing and card issuing solutions. It offers a range of customized services to merchants, billers, banks, service bureaus, and card issuers. The primary business of the company is processing electronic payments for other companies including all types of Automated Clearing House (ACH) processing, credit, prepaid card, and debit card-based processing. The company provides these solutions through Usio Pay, Usio Card, and Usio Donate.

SEC Filings

Direct access to Usio, Inc. (USIO) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Usio, Inc. compare to its competitors?

Loading chart...

Peter Lynch's Chart

This chart shows the current pricing of Usio, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

loading chart...

Usio, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Usio, Inc..

Years

Calculation mode

= -$620M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	-$35M	-$38M	-$41M	-$45M	-$48M	-$52M	-$56M	-$61M	-$66M	-$71M	-$77M	-$773M
DCF		-$35M	-$34M	-$33M	-$33M	-$32M	-$32M	-$31M	-$31M	-$30M	-$30M	-$298M
Value	-$620M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	7%	-10%	-21%	-15%	-18%	-9%	-1%	-8%	-1%	4%
ROA	-	-2%	-4%	-6%	-8%	-3%	-0%	-5%	-0%	-0%
ROE	-	-13%	-23%	-39%	-68%	-17%	-2%	-39%	-3%	14%

Bad Net Margins (4.29%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	0	0	-0	0.06	-0.02
Debt over Equity	-	-	-	-	-	0	0.01	0.01	0.05	0.04
Growth Stability	-	-	-	-	-	-	-	-	-	1

Good Debt/FCF ratio (-0.02)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.04)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-16%	21%	72%	13%	14%	92%	12%	19%	30%
Earnings YoY growth	-	-218%	151%	25%	35%	-43%	-89%	2K%	-91%	-
Equity YoY growth	-	-1%	46%	-27%	-21%	121%	12%	-25%	8%	13%
FCF YoY growth	-	-47%	-170%	617%	27%	-224%	424%	-163%	-179%	8%