Usio

USIO

Information Technology Services · Technology

Price

$2.12

-0.11 (-4.93%)

Market Cap

$58.5M

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Share count rising — dilution

+34.4% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 20.0M (2021) → 26.9M (2025)

Usio, Inc. is a small U.S. company that helps businesses handle payments. It offers services like prepaid debit cards, credit card processing, and electronic bill payments to clients such as government agencies, nonprofits, and small businesses. The company operates in the payment processing industry, competing against much larger players like Fiserv and PayPal.

Usio makes money by charging fees each time a transaction is processed or a card is used. It operates almost entirely in the United States and generates roughly tens of millions of dollars in annual revenue, making it a very small player in a crowded market. The company is currently unprofitable, with negative operating and returns on capital, and its main challenge is scaling up transaction volume fast enough to cover its fixed costs and compete against well-funded rivals with far greater resources.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+15.7% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+144.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (15%)

Research and development spending

Insider Activity

29.0%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$8M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Usio is a rare growth stock that's already generating positive cash flow while growing at 16%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

20.2%

Thin — 20.2% gross margin

Operating Margin

0.9%

Thin — 0.9% operating margin

ROCE

1.0%

Weak — 1.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+5.8%

Slow sales growth (5.8% YoY)

EPS YoY

-168.4%

Earnings shrinking (-168.4% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-1.1%

Burning cash (-1.1%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

0.20

Conservative — low debt load (0.20)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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