US · USIO
Usio, Inc.
- Sector
- Technology · Information Technology Services
- Headquarters
- San Antonio, TX 78231
- Website
- usio.com
Price · as of 2024-12-31
$1.17
Market cap 36.87M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $71.68 | +6,026.5% |
| Intrinsic Value(DCF) | $0.57 | -51.28% |
| Graham-Dodd Method(GD) | $1.33 | +13.59% |
| Graham Formula(GF) | $1.05 | -10.43% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $0.45 | $31.02 | $0.20 | $0.00 | $0.55 |
| 2011 | $0.90 | $82.45 | $11.78 | $0.27 | $3.53 |
| 2012 | $2.55 | $140.05 | $54.00 | $0.96 | $8.40 |
| 2013 | $1.65 | $326.26 | $2.62 | $0.00 | $2.44 |
| 2014 | $5.40 | $139.21 | $3,053.35 | $4.05 | $94.79 |
| 2015 | $2.08 | $130.86 | $303.69 | $1.92 | $2.09 |
| 2016 | $1.45 | $158.21 | $104.19 | $0.39 | $1.09 |
| 2017 | $2.06 | $187.05 | $38.35 | $0.00 | $0.00 |
| 2018 | $2.83 | $127.38 | $412.70 | $0.00 | $0.00 |
| 2019 | $1.60 | $21.22 | $227.36 | $0.00 | $0.00 |
| 2020 | $5.93 | $293.05 | $65.83 | $0.14 | $0.00 |
| 2021 | $3.47 | $68.60 | $550.26 | $0.85 | $0.00 |
| 2022 | $1.82 | $144.58 | $316.33 | $0.00 | $0.00 |
| 2023 | $1.74 | $101.15 | $224.28 | $0.63 | $0.00 |
| 2024 | $1.43 | $71.68 | $12.48 | $1.33 | $1.05 |
AI valuation
Our deep-learning model estimates Usio, Inc.'s (USIO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $71.68
- Current price
- $1.17
- AI upside
- +6,026.5%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$0.57
-51.28% upside
Graham-Dodd
$1.33
+13.59% upside
Graham Formula
$1.05
-10.43% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| USIO | Usio, Inc. | $1.17 | 36.87M | +6,026% | -51% | +14% | -10% | 11.62 | 2.00 | 0.46 | 11.42 | — | 2.10 | 23.65% | -1.77% | 3.99% | 19.32% | -11.20% | 3.09% | 0.20 | -27.33 | 1.12 | 0.17 | -1.40 | -60847.00% | 41.00% | -2875.00% | 4.96% | 0.03 | 14.50% | 0.00% | 0.00% | 4.75% | -23.27 | 17.96 | 0.41 | 0.22 |
| BLIV | BeLive Holdings | $3.19 | 34.66M | — | — | — | — | — | — | — | — | — | — | 52.06% | -297.14% | -297.80% | -1122.96% | -979.91% | -448.03% | -2.53 | -1744.66 | 0.21 | 0.17 | -0.05 | 15789.00% | -4015.00% | 46375.00% | — | -1.10 | -190.28% | — | 0.00% | — | — | — | — | — |
| BMR | Beamr Imaging Ltd. | $1.65 | 25.62M | +1,696% | -48% | — | — | -4.38 | 1.67 | 8.53 | -2.40 | -5.67 | 2.37 | 88.53% | -208.60% | -194.57% | -32.68% | -141.50% | -31.01% | 0.00 | -143.42 | 13.15 | 12.84 | 0.64 | 7727.00% | 98.00% | 11336.00% | -17.91% | -5.14 | -103.66% | 0.00% | 0.00% | 0.00% | -2.31 | -3.15 | 4.82 | 12.68 |
| BOSC | B.O.S. Better Online Solu… | $4.58 | 28.33M | +1,590% | -29% | +9% | — | 9.69 | 1.04 | 0.56 | 10.25 | 65.86 | 1.33 | 23.26% | 6.54% | 5.76% | 11.45% | 13.41% | 6.88% | 0.10 | 13.26 | 2.28 | 1.44 | -0.58 | 1471.00% | -957.00% | -4792.00% | 3.48% | 0.12 | 3.98% | 0.00% | 0.00% | 5.24% | 8.07 | 27.20 | 0.53 | 0.28 |
| LPSN | LivePerson, Inc. | $2.87 | 33.5M | +1,694% | +94% | — | +10,266% | -0.61 | -1.23 | 0.26 | -6.03 | -3.34 | -0.27 | 61.70% | -19.93% | -42.97% | 1400.28% | -17.70% | -18.61% | -7.83 | -4.30 | 1.65 | 1.53 | -4.86 | 1841.00% | -2227.00% | -1683.00% | -48.81% | -0.11 | -11.44% | 0.00% | 0.00% | 44.99% | -6.85 | -10.59 | 1.36 | -1.85 |
| MOBX | Mobix Labs, Inc. | $0.17 | 11.02M | +19,252% | +33% | — | — | -0.54 | -73.61 | 2.50 | -0.67 | -0.75 | -0.83 | 50.51% | -439.58% | -465.41% | -1776.32% | -665.97% | -121.08% | -19.51 | -18.74 | 0.24 | 0.17 | -0.08 | 7119.00% | 5387.00% | -4499.00% | -40.99% | -0.36 | -154.97% | 0.00% | 0.00% | 5.37% | -0.64 | -2.76 | 2.83 | -9.57 |
| MOGO | Mogo Inc. | $1.08 | 26.16M | +2,989% | -14% | — | — | -2.50 | 0.42 | 0.48 | 47.72 | — | 2.91 | 65.56% | -5.21% | -19.21% | -15.64% | -2.42% | -6.88% | 1.05 | -0.50 | 1.50 | 1.45 | 43.14 | -2222.00% | 983.00% | -6405.00% | -13.21% | -0.02 | -3.03% | 0.00% | 0.00% | 0.30% | -23.00 | -18.84 | 1.20 | -1.82 |
| SNAL | Snail, Inc. Class A Commo… | $0.65 | 24.57M | +30,175% | -3% | -21% | +245% | 30.93 | 5.86 | 0.67 | 16.20 | — | 6.51 | 35.79% | 4.60% | 2.17% | 20.39% | 32.89% | 2.39% | 0.75 | 5.38 | 0.86 | 0.56 | -0.02 | -11992.00% | 3869.00% | -43596.00% | -2.76% | -0.04 | -17.82% | 0.00% | 0.00% | 0.00% | 14.55 | -36.15 | 0.67 | 1.78 |
| VBIX | Viewbix Inc. | $1.72 | 18.35M | +1,610% | +29% | — | +764% | -16.50 | 40.33 | 8.64 | -22.63 | — | -27.84 | 18.39% | -42.89% | -44.74% | -137.02% | -65.55% | -43.17% | 1.15 | -11.22 | 0.60 | 0.50 | -0.57 | -4490.00% | -6616.00% | 6797.00% | 0.66% | 0.12 | 8.88% | 0.00% | 0.00% | 0.90% | -20.66 | 154.85 | 8.86 | 7.36 |
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; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check, a consumer non-sufficient funds check that is presented for payment electronically rather than through the paper check collection system; and Accounts Receivable Check Conversion, a consumer paper check payment that is converted into an e-check. The company also offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. In addition, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Further, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing 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.
- CEO
- Louis A. Hoch
- Employees
- 107
- Beta
- 1.29
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($0.57 ÷ $1.17) − 1 = -51.28% (DCF, example).