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USIO INC (USIO) Stock Fundamental Analysis

NASDAQ:USIO - Nasdaq - US9173131080 - Common Stock - Currency: USD

1.71  -0.05 (-2.84%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to USIO. USIO was compared to 101 industry peers in the Financial Services industry. Both the profitability and financial health of USIO have multiple concerns. USIO is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year USIO was profitable.
In the past year USIO has reported a negative cash flow from operations.
USIO had negative earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: USIO reported negative operating cash flow in multiple years.
USIO Yearly Net Income VS EBIT VS OCF VS FCFUSIO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M -10M 20M

1.2 Ratios

With a Return On Assets value of 2.36%, USIO perfoms like the industry average, outperforming 55.45% of the companies in the same industry.
With a decent Return On Equity value of 14.28%, USIO is doing good in the industry, outperforming 67.33% of the companies in the same industry.
Industry RankSector Rank
ROA 2.36%
ROE 14.28%
ROIC N/A
ROA(3y)-2.09%
ROA(5y)-3.62%
ROE(3y)-14.76%
ROE(5y)-25.82%
ROIC(3y)N/A
ROIC(5y)N/A
USIO Yearly ROA, ROE, ROICUSIO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -20 -40 -60

1.3 Margins

Looking at the Profit Margin, with a value of 3.33%, USIO is doing worse than 67.33% of the companies in the same industry.
USIO has a Gross Margin of 22.68%. This is comparable to the rest of the industry: USIO outperforms 43.56% of its industry peers.
In the last couple of years the Gross Margin of USIO has remained more or less at the same level.
Industry RankSector Rank
OM N/A
PM (TTM) 3.33%
GM 22.68%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.53%
GM growth 5Y0.23%
USIO Yearly Profit, Operating, Gross MarginsUSIO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 20 -20 30

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3

2. Health

2.1 Basic Checks

USIO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for USIO has been increased compared to 1 year ago.
The number of shares outstanding for USIO has been increased compared to 5 years ago.
Compared to 1 year ago, USIO has a worse debt to assets ratio.
USIO Yearly Shares OutstandingUSIO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M
USIO Yearly Total Debt VS Total AssetsUSIO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

2.2 Solvency

USIO has an Altman-Z score of 0.19. This is a bad value and indicates that USIO is not financially healthy and even has some risk of bankruptcy.
USIO's Altman-Z score of 0.19 is on the low side compared to the rest of the industry. USIO is outperformed by 62.38% of its industry peers.
USIO has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
USIO has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. USIO outperforms 87.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Altman-Z 0.19
ROIC/WACCN/A
WACC15.87%
USIO Yearly LT Debt VS Equity VS FCFUSIO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10M -10M 20M

2.3 Liquidity

A Current Ratio of 1.10 indicates that USIO should not have too much problems paying its short term obligations.
With a Current ratio value of 1.10, USIO perfoms like the industry average, outperforming 56.44% of the companies in the same industry.
A Quick Ratio of 1.10 indicates that USIO should not have too much problems paying its short term obligations.
USIO has a Quick ratio of 1.10. This is comparable to the rest of the industry: USIO outperforms 56.44% of its industry peers.
Industry RankSector Rank
Current Ratio 1.1
Quick Ratio 1.1
USIO Yearly Current Assets VS Current LiabilitesUSIO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 325.00% over the past year.
USIO shows a decrease in Revenue. In the last year, the revenue decreased by -1.04%.
Measured over the past years, USIO shows a very strong growth in Revenue. The Revenue has been growing by 26.98% on average per year.
EPS 1Y (TTM)325%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%350%
Revenue 1Y (TTM)-1.04%
Revenue growth 3Y36.82%
Revenue growth 5Y26.98%
Sales Q2Q%3.9%

3.2 Future

USIO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 82.52% yearly.
Based on estimates for the next years, USIO will show a quite strong growth in Revenue. The Revenue will grow by 8.30% on average per year.
EPS Next Y414.5%
EPS Next 2Y113.31%
EPS Next 3Y82.52%
EPS Next 5YN/A
Revenue Next Year-0.76%
Revenue Next 2Y6.09%
Revenue Next 3Y8.3%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
USIO Yearly Revenue VS EstimatesUSIO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
USIO Yearly EPS VS EstimatesUSIO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.1 -0.1 -0.2 -0.3

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 19.00, USIO is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of USIO is on the same level as its industry peers.
USIO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 29.63.
Based on the Price/Forward Earnings ratio of 22.35, the valuation of USIO can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USIO indicates a slightly more expensive valuation: USIO is more expensive than 64.36% of the companies listed in the same industry.
USIO is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 19
Fwd PE 22.35
USIO Price Earnings VS Forward Price EarningsUSIO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
USIO Per share dataUSIO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2

4.3 Compensation for Growth

USIO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
USIO's earnings are expected to grow with 82.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y113.31%
EPS Next 3Y82.52%

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0

5. Dividend

5.1 Amount

USIO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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USIO INC

NASDAQ:USIO (2/21/2025, 8:00:01 PM)

1.71

-0.05 (-2.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)03-25 2025-03-25/amc
Inst Owners31.08%
Inst Owner Change-0.75%
Ins Owners24.06%
Ins Owner Change-1.97%
Market Cap46.39M
Analysts81.82
Price Target5.87 (243.27%)
Short Float %0.15%
Short Ratio0.06
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)2
Avg EPS beat(2)490.2%
Min EPS beat(2)100%
Max EPS beat(2)880.39%
EPS beat(4)2
Avg EPS beat(4)170.59%
Min EPS beat(4)-198.04%
Max EPS beat(4)880.39%
EPS beat(8)4
Avg EPS beat(8)-35.65%
EPS beat(12)5
Avg EPS beat(12)-94.99%
EPS beat(16)8
Avg EPS beat(16)-51.47%
Revenue beat(2)0
Avg Revenue beat(2)-1.7%
Min Revenue beat(2)-2.25%
Max Revenue beat(2)-1.15%
Revenue beat(4)0
Avg Revenue beat(4)-4.54%
Min Revenue beat(4)-7.69%
Max Revenue beat(4)-1.15%
Revenue beat(8)3
Avg Revenue beat(8)-0.94%
Revenue beat(12)5
Avg Revenue beat(12)-0.37%
Revenue beat(16)9
Avg Revenue beat(16)1.93%
PT rev (1m)-8%
PT rev (3m)-8%
EPS NQ rev (1m)-166.67%
EPS NQ rev (3m)-166.67%
EPS NY rev (1m)-2.63%
EPS NY rev (3m)184.62%
Revenue NQ rev (1m)-1.71%
Revenue NQ rev (3m)-1.71%
Revenue NY rev (1m)-0.35%
Revenue NY rev (3m)-1.49%
Valuation
Industry RankSector Rank
PE 19
Fwd PE 22.35
P/S 0.57
P/FCF N/A
P/OCF N/A
P/B 2.45
P/tB 2.6
EV/EBITDA N/A
EPS(TTM)0.09
EY5.26%
EPS(NY)0.08
Fwd EY4.47%
FCF(TTM)-1.3
FCFYN/A
OCF(TTM)-1.26
OCFYN/A
SpS2.99
BVpS0.7
TBVpS0.66
PEG (NY)0.05
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.36%
ROE 14.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 3.33%
GM 22.68%
FCFM N/A
ROA(3y)-2.09%
ROA(5y)-3.62%
ROE(3y)-14.76%
ROE(5y)-25.82%
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
ROICexcg growth 3YN/A
ROICexcg 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-0.53%
GM growth 5Y0.23%
F-Score5
Asset Turnover0.71
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 42.31%
Cap/Sales 1.16%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.1
Quick Ratio 1.1
Altman-Z 0.19
F-Score5
WACC15.87%
ROIC/WACCN/A
Cap/Depr(3y)39.26%
Cap/Depr(5y)41.31%
Cap/Sales(3y)1.41%
Cap/Sales(5y)1.84%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)325%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%350%
EPS Next Y414.5%
EPS Next 2Y113.31%
EPS Next 3Y82.52%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.04%
Revenue growth 3Y36.82%
Revenue growth 5Y26.98%
Sales Q2Q%3.9%
Revenue Next Year-0.76%
Revenue Next 2Y6.09%
Revenue Next 3Y8.3%
Revenue Next 5YN/A
EBIT growth 1Y-86.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year248.28%
EBIT Next 3Y79.01%
EBIT Next 5YN/A
FCF growth 1Y-1236.87%
FCF growth 3Y37.39%
FCF growth 5YN/A
OCF growth 1Y-1889.33%
OCF growth 3Y33.35%
OCF growth 5YN/A