1.42 USD
-0.05 (-3.4%)
We assign a fundamental rating of 3 out of 10 to USIO. USIO was compared to 97 industry peers in the Financial Services industry. The financial health of USIO is average, but there are quite some concerns on its profitability. USIO is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year USIO has reported negative net income.
In the past year USIO had a positive cash flow from operations.
USIO had negative earnings in 4 of the past 5 years.
Of the past 5 years USIO 4 years had a positive operating cash flow.
1.2 Ratios
USIO's Return On Assets of -0.39% is on the low side compared to the rest of the industry. USIO is outperformed by 77.32% of its industry peers.
The Return On Equity of USIO (-2.08%) is worse than 76.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.39% | ||
| ROE | -2.08% | ||
| ROIC | N/A |
ROA(3y)-0.99%
ROA(5y)-1.34%
ROE(3y)-8.44%
ROE(5y)-8.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
USIO has a Gross Margin (23.75%) which is in line with its industry peers.
USIO's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for USIO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 23.75% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.14%
GM growth 5Y2.31%
2. Health
2.1 Basic Checks
USIO does not have a ROIC to compare to the WACC, probably because it is not profitable.
USIO has more shares outstanding than it did 1 year ago.
USIO has more shares outstanding than it did 5 years ago.
The debt/assets ratio for USIO has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.23, we must say that USIO is in the distress zone and has some risk of bankruptcy.
USIO has a Altman-Z score (0.23) which is in line with its industry peers.
The Debt to FCF ratio of USIO is 0.08, which is an excellent value as it means it would take USIO, only 0.08 years of fcf income to pay off all of its debts.
USIO's Debt to FCF ratio of 0.08 is amongst the best of the industry. USIO outperforms 88.66% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that USIO is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.03, USIO belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.08 | ||
| Altman-Z | 0.23 |
ROIC/WACCN/A
WACC8.76%
2.3 Liquidity
USIO has a Current Ratio of 1.13. This is a normal value and indicates that USIO is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of USIO (1.13) is comparable to the rest of the industry.
USIO has a Quick Ratio of 1.12. This is a normal value and indicates that USIO is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.12, USIO is in line with its industry, outperforming 55.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.12 |
3. Growth
3.1 Past
The earnings per share for USIO have decreased strongly by -122.22% in the last year.
Looking at the last year, USIO shows a small growth in Revenue. The Revenue has grown by 3.24% in the last year.
Measured over the past years, USIO shows a very strong growth in Revenue. The Revenue has been growing by 24.08% on average per year.
EPS 1Y (TTM)-122.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-120%
Revenue 1Y (TTM)3.24%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.66%
3.2 Future
Based on estimates for the next years, USIO will show a very negative growth in Earnings Per Share. The EPS will decrease by -33.63% on average per year.
USIO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.63% yearly.
EPS Next Y-116.23%
EPS Next 2Y-33.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.75%
Revenue Next 2Y7.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for USIO. In the last year negative earnings were reported.
A Price/Forward Earnings ratio of 29.31 indicates a quite expensive valuation of USIO.
USIO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. USIO is more expensive than 71.13% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.78. USIO is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 29.31 |
4.2 Price Multiples
65.98% of the companies in the same industry are cheaper than USIO, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of USIO indicates a rather cheap valuation: USIO is cheaper than 97.94% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.69 | ||
| EV/EBITDA | 115.66 |
4.3 Compensation for Growth
USIO's earnings are expected to decrease with -33.63% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-33.63%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for USIO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:USIO (12/15/2025, 6:18:49 PM)
1.42
-0.05 (-3.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners25.97%
Inst Owner Change-2.39%
Ins Owners16.78%
Ins Owner Change6.21%
Market Cap38.78M
Revenue(TTM)83.71M
Net Income(TTM)-387.80K
Analysts78.18
Price Target5.23 (268.31%)
Short Float %0.45%
Short Ratio1.39
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-179.74%
Min EPS beat(2)-361.44%
Max EPS beat(2)1.96%
EPS beat(4)2
Avg EPS beat(4)-6.53%
Min EPS beat(4)-361.44%
Max EPS beat(4)492.16%
EPS beat(8)4
Avg EPS beat(8)82.03%
EPS beat(12)6
Avg EPS beat(12)-25.95%
EPS beat(16)7
Avg EPS beat(16)-72.88%
Revenue beat(2)0
Avg Revenue beat(2)-9.75%
Min Revenue beat(2)-13.07%
Max Revenue beat(2)-6.44%
Revenue beat(4)0
Avg Revenue beat(4)-6.38%
Min Revenue beat(4)-13.07%
Max Revenue beat(4)-1.89%
Revenue beat(8)0
Avg Revenue beat(8)-5.46%
Revenue beat(12)3
Avg Revenue beat(12)-2.75%
Revenue beat(16)5
Avg Revenue beat(16)-1.87%
PT rev (1m)0%
PT rev (3m)6.04%
EPS NQ rev (1m)-60%
EPS NQ rev (3m)-70.01%
EPS NY rev (1m)-600%
EPS NY rev (3m)-165.62%
Revenue NQ rev (1m)-4.96%
Revenue NQ rev (3m)-4.88%
Revenue NY rev (1m)-2.5%
Revenue NY rev (3m)-2.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 29.31 | ||
| P/S | 0.46 | ||
| P/FCF | 3.69 | ||
| P/OCF | 3.25 | ||
| P/B | 2.08 | ||
| P/tB | 2.1 | ||
| EV/EBITDA | 115.66 |
EPS(TTM)-0.02
EYN/A
EPS(NY)0.05
Fwd EY3.41%
FCF(TTM)0.38
FCFY27.08%
OCF(TTM)0.44
OCFY30.77%
SpS3.07
BVpS0.68
TBVpS0.68
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.39% | ||
| ROE | -2.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 23.75% | ||
| FCFM | 12.54% |
ROA(3y)-0.99%
ROA(5y)-1.34%
ROE(3y)-8.44%
ROE(5y)-8.89%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.14%
GM growth 5Y2.31%
F-Score6
Asset Turnover0.84
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.08 | ||
| Debt/EBITDA | 2.43 | ||
| Cap/Depr | 73.51% | ||
| Cap/Sales | 1.71% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 4866.56% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.13 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 0.23 |
F-Score6
WACC8.76%
ROIC/WACCN/A
Cap/Depr(3y)37.83%
Cap/Depr(5y)43.64%
Cap/Sales(3y)1.12%
Cap/Sales(5y)1.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-122.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-120%
EPS Next Y-116.23%
EPS Next 2Y-33.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.24%
Revenue growth 3Y10.22%
Revenue growth 5Y24.08%
Sales Q2Q%-0.66%
Revenue Next Year3.75%
Revenue Next 2Y7.63%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y25.54%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year303.18%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-77.44%
FCF growth 3Y-59.43%
FCF growth 5YN/A
OCF growth 1Y-74.78%
OCF growth 3Y-54.01%
OCF growth 5YN/A
USIO INC / USIO FAQ
What is the fundamental rating for USIO stock?
ChartMill assigns a fundamental rating of 3 / 10 to USIO.
What is the valuation status for USIO stock?
ChartMill assigns a valuation rating of 2 / 10 to USIO INC (USIO). This can be considered as Overvalued.
What is the profitability of USIO stock?
USIO INC (USIO) has a profitability rating of 2 / 10.
Can you provide the financial health for USIO stock?
The financial health rating of USIO INC (USIO) is 5 / 10.
Can you provide the expected EPS growth for USIO stock?
The Earnings per Share (EPS) of USIO INC (USIO) is expected to decline by -116.23% in the next year.