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Upturn AI SWOT - About
USIO 
Usio Inc (USIO)
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Upturn Advisory Summary
04/01/2025: USIO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -63.82% | Avg. Invested days 23 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 38.98M USD | Price to earnings Ratio 12.25 | 1Y Target Price 5.75 |
Price to earnings Ratio 12.25 | 1Y Target Price 5.75 | ||
Volume (30-day avg) 112367 | Beta 1.82 | 52 Weeks Range 1.24 - 2.92 | Updated Date 04/1/2025 |
52 Weeks Range 1.24 - 2.92 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-25 | When Before Market | Estimate -0.0033 | Actual 0.02 |
Profitability
Profit Margin 3.99% | Operating Margin (TTM) -2.93% |
Management Effectiveness
Return on Assets (TTM) -0.86% | Return on Equity (TTM) 19.32% |
Valuation
Trailing PE 12.25 | Forward PE 9.19 | Enterprise Value 34785352 | Price to Sales(TTM) 0.47 |
Enterprise Value 34785352 | Price to Sales(TTM) 0.47 | ||
Enterprise Value to Revenue 0.42 | Enterprise Value to EBITDA 11.61 | Shares Outstanding 26514400 | Shares Floating 16751770 |
Shares Outstanding 26514400 | Shares Floating 16751770 | ||
Percent Insiders 36.69 | Percent Institutions 29.05 |
Analyst Ratings
Rating 4.2 | Target Price 6.25 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Usio Inc
Company Overview
History and Background
Usio, Inc. (formerly known as Payment Data Systems) was founded in 1998. It provides integrated payment solutions to merchants and payment facilitators. Over the years, it has evolved to offer a broader range of payment processing and related services.
Core Business Areas
- Payment Facilitation: Enables merchants to accept various payment methods, including credit cards, debit cards, and ACH transfers.
- Prepaid Card Services: Offers prepaid card solutions for various applications, such as payroll cards and incentive programs.
- ACH Processing: Facilitates Automated Clearing House (ACH) transactions for businesses.
- Customer Engagement: Provides solutions aimed at facilitating customer engagement.
Leadership and Structure
Louis Hoch is the CEO and a member of the board. The company has a typical corporate structure with various departments responsible for different functions, such as sales, marketing, technology, and finance.
Top Products and Market Share
Key Offerings
- ACH Processing Services: Usio provides ACH processing services allowing businesses to accept and send electronic payments. Market share data is difficult to ascertain precisely as this is a fragmented market. Competitors include Dwolla, Plaid, and large banks. Revenue for ACH processing is included in the overall payment processing revenue reported by Usio.
- Payment Facilitation Solutions: Usio's PayFac solution helps businesses manage payments. Market share data is fragmented. Competitors include Stripe, Adyen, and PayPal. Revenue from this segment is included in the overall payment processing revenue reported by Usio.
Market Dynamics
Industry Overview
The payment processing industry is highly competitive and rapidly evolving, driven by technological advancements and changing consumer preferences. Trends include the increasing adoption of mobile payments, the growth of e-commerce, and the rise of fintech companies.
Positioning
Usio is a smaller player in a market dominated by larger companies. Its competitive advantages may include its specialized solutions, customer service, and focus on niche markets.
Total Addressable Market (TAM)
The global digital payment market is estimated in the trillions. Usio, with its current market capitalization, captures a tiny fraction of this TAM. Growth in e-commerce and mobile payments presents opportunities for expansion.
Upturn SWOT Analysis
Strengths
- Specialized Payment Solutions
- Strong Customer Relationships
- Agile and Flexible Business Model
- Experienced Management Team
Weaknesses
- Limited Brand Recognition
- Smaller Scale Compared to Competitors
- Dependence on Key Partnerships
- Fluctuations in revenue and profitability
Opportunities
- Expanding E-Commerce Market
- Growing Demand for Mobile Payments
- Strategic Acquisitions
- Partnerships with Fintech Companies
Threats
- Intense Competition
- Regulatory Changes
- Cybersecurity Risks
- Economic Downturn
Competitors and Market Share
Key Competitors
- FISV
- GPN
- SQ
- PYPL
Competitive Landscape
Usio faces intense competition from larger and more established players. Its ability to differentiate itself through specialized solutions and strong customer relationships is crucial for success.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Growth trends have varied, influenced by market conditions and the company's strategic initiatives. Examine past revenue growth rates, acquisitions, and partnerships to understand historical performance.
Future Projections: Future growth depends on the company's ability to capitalize on opportunities in the payment processing market. Analyst estimates can provide insights into projected revenue growth and profitability.
Recent Initiatives: Look for recent strategic initiatives, such as new product launches, partnerships, and acquisitions, to understand the company's current focus and growth strategy.
Summary
Usio Inc. operates in the competitive payment processing industry and differentiates itself through specialized solutions. Being a smaller player, it faces challenges in scaling and competing with industry giants. Recent strategic initiatives could position the company for growth. Monitoring the evolving payments landscape and adapting to regulatory changes are crucial for Usio's success. The company has not historically provided dividends to its stockholders, so the shareholder benefits are purely in the stock price.
Similar Companies
FISV
Fiserv Inc.
FISV
Fiserv Inc.
GPN
Global Payments Inc
GPN
Global Payments Inc
PYPL
PayPal Holdings Inc
PYPL
PayPal Holdings Inc
Sources and Disclaimers
Data Sources:
- SEC Filings
- Market Research Reports
- Analyst Estimates
- Company Website
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate and may vary depending on the source. Financial data should be verified with Usio's SEC filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Usio Inc
Exchange NASDAQ | Headquaters San Antonio, TX, United States | ||
IPO Launch date 2001-01-02 | Co-Founder, Chairman, President & CEO Mr. Louis A. Hoch | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 107 | Website https://www.usio.com |
Full time employees 107 | Website https://www.usio.com | ||
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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