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NASDAQ · Software - Infrastructure · USD

Usio, Inc. (USIO) Stock Analysis

Usio, Inc. (USIO) is a Software - Infrastructure stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

USIO

$3.18

+$0.33 (+11.58%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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USIO Key Statistics

As of Oct 21, 2026
Trading
Open
$2.81
Previous Close
$2.85
Day's Range
2.81–3.20
52-Week Range
1.03–3.20
Volume
380.77K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.36
Valuation
Market Cap
$90.62M
P/E Ratio
unprofitable
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
18.71
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
0.95
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
0.98
EPS (ttm)Profit attributable to each share over the last twelve months.
−0.06
Financials (FY)
Revenue (FY)
$85.39M+2.97%
Net Income (FY)
−$2.51M−176.00%
Profit marginThe share of revenue left as profit after all costs and taxes.
−1.63%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
28.50M
1-Year Return
+125.53%
Dividend and dates
Earnings Date
November 11, 2026
Avg Volume
341.73K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, USIO closed at $3.18, +125.53% over 1 year.

Usio, Inc. (USIO) has a market capitalization of $90.62M.

In fiscal 2025, USIO reported revenue of $85.39M.

USIO Stock Return by Calendar Year

Usio, Inc. (USIO) 10-year return: what $10,000 became

1 year
$10,000 $22,553
+125.53%
5 years
$10,000 $5,113
−48.87%
10 years
$10,000 $12,374
+23.74%

If you had invested $10,000 in Usio, Inc. (USIO) 10 years ago, at the close on October 21, 2016, it would have been worth $12,374 at the close on October 21, 2026: +23.74% in total, +2.15% a year. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+133.82%
2025−6.85%
2024−15.12%
2023+4.24%
2022−62.16%
2021+63.30%
2020+71.15%
2019−6.02%
2018−34.39%
2017+36.76%
2016 (partial year)+12.12%

As of October 21, 2026.

USIO Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$85.39M−$2.51M−2.9%
2024$82.93M$3.31M4.0%
2023$84.07M−$475.10K−0.6%
2022$69.43M−$5.48M−7.9%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$85.39M$19.69M−$2.36M−$2.51M−2.9%
2024$82.93M$19.61M−$1.47M$3.31M4.0%
2023$84.07M$20.07M−$447.36K−$475.10K−0.6%
2022$69.43M$14.59M−$5.21M−$5.48M−7.9%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

USIO Valuation vs Software - Infrastructure Median

Median of 182 stocks
MetricUSIOSoftware - Infrastructure medianvs median
P/S ratio0.983.270.3x the median
Profit margin−1.63%2.53%4.2 pts below

Medians across 182 Software - Infrastructure stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 10 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Usio, Inc. (USIO) is capitalised at $90.62M on the latest close. The company sits in the Technology sector, in the Software - Infrastructure industry. Headcount on file is 107.

The most recent close on file for USIO is $3.18, dated October 21, 2026. That is +$0.33 (+11.58%) against the previous close. Over the past 52 weeks the price has ranged from $1.03 to $3.20. The latest close sits 208.74% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $85.39M. Against the prior fiscal year total of $82.93M, that is a change of +2.97%. The same year closed with a net loss of $2.51M. Profit margin runs at −1.63%. That is 4.2 percentage points below the Software - Infrastructure median of 2.53%. Earnings per share on a trailing basis come to −0.06.

Across the 4 fiscal years on file, revenue moves from $69.43M in 2022 to $85.39M in 2025. Of those 4 years, 1 report positive net income.

Valuation Assessment

The record shows negative trailing earnings, so no price-to-earnings ratio is published. On forward earnings the ratio is 18.71. The PEG ratio, which sets the P/E against expected earnings growth, reads 0.95. Measured against sales, the shares trade at 0.98 times revenue. On price-to-sales that is 0.3 times the Software - Infrastructure median of 3.27. The medians here are taken across 182 Software - Infrastructure companies that report the metric.

The reported beta is 1.36. Annualized volatility over the trailing 10 years is 85.82%. The trailing one-year total return is +125.53%. Across 10 years the annualized return works out at +2.15%.

Growth & Income

The record shows no dividend for USIO.

So far in 2026 the total return is +133.82%. The strongest complete calendar year on file is 2020 at +71.15%; the weakest is 2022 at −62.16%. Of the 9 complete calendar years on file, 4 finished higher.

Peer Comparison

Usio, Inc. (USIO) operates in the Software - Infrastructure industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Usio, Inc. USIO $90.62M —
Microsoft Corporation MSFT $3.96T 29.7
Palantir Technologies Inc. PLTR $484.74B 173.9
Oracle Corporation ORCL $391.46B 20.2

The Software - Infrastructure industry average P/E ratio is 30.2x. Usio, Inc. has no P/E ratio because it is not currently profitable.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Usio, Inc.

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.

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