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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 and Check Conversion for electronic payment facilitation. In addition, the company 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. Further, 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. Additionally, 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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Usio Inc provides payment processing and technology services to merchants and financial partners, offering card and electronic transaction solutions and related merchant services. Its long-term growth may be supported by the secular shift to electronic payments, recurring transaction revenue and strategic acquisitions or platform integrations, which could make its diversified payments footprint appealing to investors.
Material risks include strong competition from larger acquirers and fintechs, margin pressure and execution risk from integrating acquisitions and technology, cybersecurity and regulatory compliance exposure, and sensitivity to consumer spending.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | -5.20M | -0.15M | -2.88M | -5.01M | -3.70M |
| Net income | -5.48M | -0.32M | -2.91M | -5.12M | -3.78M |
| Selling general administrative | 17.07M | 13.14M | 9.61M | 8.99M | 7.47M |
| Gross profit | 14.59M | 15.63M | 7.38M | 5.95M | 5.57M |
| Reconciled depreciation | 2.74M | 2.64M | 1.52M | 2.02M | 1.88M |
| Ebit | -5.21M | -0.15M | -3.76M | -5.06M | -3.77M |
| Ebitda | -2.46M | 2.50M | -3.05M | -3.04M | -1.90M |
| Depreciation and amortization | 2.75M | 2.64M | 0.70M | 2.02M | 1.88M |
| Non operating income net other | 0.02M | - | 0.81M | - | - |
| Operating income | -5.21M | -0.15M | -3.76M | -5.06M | -3.77M |
| Other operating expenses | 74.64M | 62.10M | 36.01M | 33.26M | 28.80M |
| Interest expense | 0.00M | 0.00M | 1.69M | 0.05M | 0.00M |
| Tax provision | 0.28M | 0.17M | 0.02M | 0.10M | 0.08M |
| Interest income | 0.02M | 0.01M | 0.06M | 0.08M | 0.08M |
| Net interest income | 0.01M | 0.00M | 0.06M | 0.08M | 0.08M |
| Income tax expense | 0.28M | 0.17M | 0.02M | 0.10M | 0.08M |
| Total revenue | 69.43M | 61.94M | 32.25M | 28.20M | 25.02M |
| Total operating expenses | 19.81M | 15.79M | 11.13M | 11.01M | 9.34M |
| Cost of revenue | 54.84M | 46.31M | 24.88M | 22.25M | 19.45M |
| Total other income expense net | 0.01M | -0.00M | 0.87M | 0.05M | -0.00M |
| Net income from continuing ops | -5.48M | -0.32M | -2.91M | -5.12M | -3.78M |
| Net income applicable to common shares | -5.48M | -0.32M | -2.91M | -5.12M | -3.78M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 106.93M | 97.91M | 133.68M | 82.67M | 61.56M |
| Intangible assets | 1.75M | 2.63M | 4.16M | 6.04M | 2.67M |
| Other current assets | 84.10M | 49.74M | 63.82M | 43.86M | 38.91M |
| Total liab | 91.87M | 83.98M | 115.01M | 65.96M | 53.99M |
| Total stockholder equity | 15.07M | 13.93M | 18.67M | 16.70M | 7.57M |
| Other current liab | 85.59M | 78.54M | 109.12M | 60.90M | 50.81M |
| Common stock | 0.20M | 0.20M | 0.20M | 0.19M | 0.19M |
| Capital stock | 0.20M | 0.20M | 0.20M | 0.19M | 0.19M |
| Retained earnings | -71.34M | -70.86M | -65.38M | -65.06M | -62.15M |
| Good will | 0.01M | - | - | - | 0.01M |
| Other assets | 0.00M | -0.00M | 1.85M | 4.43M | 1.80M |
| Cash | 7.16M | 5.71M | 7.26M | 5.01M | 2.14M |
| Total current liabilities | 89.23M | 81.62M | 112.46M | 63.47M | 51.71M |
| Current deferred revenue | 1.87M | 1.55M | 1.38M | 1.37M | 0.12M |
| Net debt | -3.78M | -2.68M | -4.15M | -2.17M | 0.50M |
| Short term debt | 0.74M | 0.67M | 0.56M | 0.35M | 0.36M |
| Short long term debt | 0.11M | 0.06M | 0.05M | - | - |
| Short long term debt total | 3.38M | 3.03M | 3.11M | 2.84M | 2.64M |
| Other stockholder equity | 93.12M | 84.60M | 83.85M | 81.57M | 69.53M |
| Property plant equipment | - | 3.22M | 6.41M | 5.78M | 4.04M |
| Total current assets | 97.24M | 87.41M | 121.26M | 69.09M | 53.05M |
| Net tangible assets | - | 11.31M | 14.51M | 10.67M | 4.89M |
| Net receivables | 5.56M | 4.37M | 4.98M | 2.86M | 1.27M |
| Long term debt | 0.72M | 0.01M | 0.07M | - | - |
| Inventory | 0.42M | 0.51M | 0.43M | 0.18M | 10.73M |
| Accounts payable | 1.03M | 0.86M | 1.40M | 0.85M | 0.42M |
| Accumulated other comprehensive income | -6.91M | - | - | - | -4.90M |
| Common stock total equity | - | 0.20M | - | 0.19M | 0.19M |
| Retained earnings total equity | - | -70.86M | - | -65.06M | - |
| Treasury stock | - | -3.75M | - | -2.17M | -1.89M |
| Non currrent assets other | 0.36M | 0.36M | 0.35M | 0.37M | 0.40M |
| Non current assets total | 9.69M | 10.50M | 12.42M | 13.58M | 8.51M |
| Capital lease obligations | 2.55M | 2.96M | 2.98M | 2.84M | 2.64M |
| Long term debt total | - | 0.01M | - | - | - |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -0.81M | -1.27M | -6.76M | -0.65M | -0.70M |
| Change to liabilities | 0.85M | 1.36M | 0.48M | 0.72M | 0.06M |
| Total cashflows from investing activities | -0.81M | -1.27M | -6.76M | -0.65M | -0.70M |
| Net borrowings | -0.05M | 0.13M | 0.81M | 0.81M | 0.81M |
| Total cash from financing activities | -1.40M | 0.89M | 9.98M | 1.72M | -0.98M |
| Change to operating activities | -17.75M | 27.06M | 6.61M | -2.74M | -1.98M |
| Net income | -5.48M | -0.32M | -2.91M | -5.12M | -3.78M |
| Change in cash | -19.25M | 29.40M | 9.51M | -2.66M | -4.44M |
| Begin period cash flow | 51.59M | 22.19M | 12.68M | 15.34M | 19.78M |
| End period cash flow | 32.34M | 51.59M | 22.19M | 12.68M | 15.34M |
| Total cash from operating activities | -17.04M | 29.78M | 6.29M | -3.73M | -2.76M |
| Issuance of capital stock | 0.00M | 1.00M | 10.26M | 1.79M | - |
| Depreciation | 2.74M | 2.64M | 1.52M | 2.02M | 1.88M |
| Other cashflows from investing activities | - | - | -5.91M | - | 0.01M |
| Change to inventory | -0.07M | -0.26M | -0.01M | -0.01M | -0.01M |
| Change to account receivables | 0.61M | -2.27M | -0.91M | -0.06M | -0.24M |
| Sale purchase of stock | -1.34M | -0.24M | -0.28M | -0.07M | -0.98M |
| Other cashflows from financing activities | -0.17M | 0.17M | 0.81M | -0.65M | -0.70M |
| Change to netincome | 2.07M | 1.57M | 1.51M | 1.44M | 1.30M |
| Capital expenditures | 0.81M | 1.27M | 0.86M | 0.65M | 0.70M |
| Change receivables | 0.61M | - | -0.91M | - | - |
| Cash flows other operating | -17.75M | - | 6.59M | - | - |
| Cash and cash equivalents changes | -19.25M | - | 9.51M | - | - |
| Change in working capital | -16.38M | 25.90M | 6.17M | -2.08M | -2.16M |
| Stock based compensation | 2.07M | 1.49M | 1.48M | 1.29M | 1.25M |
| Other non cash items | 0.02M | 0.19M | 0.04M | 0.04M | 0.01M |
| Free cash flow | -17.85M | 28.51M | 5.44M | -4.38M | -3.46M |
Sector: Technology Industry: Software - Infrastructure
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| USIO Usio Inc |
0.11 3.72% |
3.07 | - | 93.46 | 0.46 | 2.54 | 0.42 | 18.13 |
| MSFT Microsoft Corporation |
14.57 2.75% |
545.18 | 37.32 | 29.94 | 13.03 | 12.45 | 13.06 | 24.59 |
| ORCL Oracle Corporation |
3.50 3.01% |
119.60 | 21.96 | 17.89 | 5.91 | 7.08 | 7.82 | 14.89 |
| CRWD Crowdstrike Holdings Inc |
9.10 4.20% |
226.00 | 4849.80 | 188.68 | 46.01 | 47.24 | 43.89 | 559.34 |
| FTNT Fortinet Inc |
3.77 3.17% |
122.61 | 60.27 | 43.86 | 16.80 | 80.50 | 16.11 | 43.33 |
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 and Check Conversion for electronic payment facilitation. In addition, the company 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. Further, 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. Additionally, 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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Louis A. Hoch | Co-Founder, Chairman, Pres, CEO & COO | 1966 |
| Mr. Lowell Thomas Jewell CPA, CPA | Sr. VP & CFO | 1957 |
| Mr. Houston Korth Frost | Sr. VP of Corp. Devel. & Prepaid Products | 1982 |
| Mr. Gregory Mark Carter | Exec. Vice-Pres of Payment Acceptance | 1964 |
| Mr. Kenneth Wayne Keller | Chief Technology Officer & Sr. VP | 1966 |
| Mr. Paul M. Manley | Sr. VP of Investor Relations | NA |
| Mr. Wayne Gonzales CFE, CFI | Sr. VP of Risk Management & Compliance | NA |
| Mr. Matt Morris | VP of Marketing | NA |
| Mr. Kyle Ruschman C.P.P. | VP of Sales & Bus. Devel. | NA |
| Mr. Joe Huch C.P.P. | VP of Sales | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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