Usio (USIO) runs payment processing and transaction software for merchants, including card-present and online payment acceptance, ACH, and payment gateway services that sit between small and mid-sized businesses and their acquiring banks. Its edge is in vertical-specific integrations, where switching costs come from embedded software and compliance workflows rather than price, though the company is small and does not dominate its niche. The near-term story rests on revenue growth of 18.6% against a gross margin of only 22.3%, so the question is whether that growth can carry through to operating leverage, which an operating margin of 1.6% suggests has not yet happened. The stock is interesting now mainly because it trades on a forward P/E of 151.5 with negative ROE of -8.0%, which prices in a large earnings ramp that the current margins do not yet show. With an 81M USD market cap, no index membership, and a composite score of 53/100, this is a thin-margin, sub-scale payments name that deserves a look only if the margin trajectory can be verified in the next few reported quarters.
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| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 15 Oct 2026, 00:00 CEST | ACCE price target | $2.60 | first publication | $2.67 |
| 7 Oct 2026, 00:00 CEST | Fair value | $1.12 | $0.82 | $2.80 |
| 4 Oct 2026, 00:00 CEST | Fair value | $0.82 | $0.79 | $2.93 |
| 30 Sept 2026, 00:00 CEST | Fair value | $0.79 | $0.81 | $2.35 |
| 27 Sept 2026, 00:00 CEST | Fair value | $0.81 | $0.79 | $2.33 |
| 22 Sept 2026, 00:00 CEST | Fair value | $0.79 | $0.81 | $2.37 |
| 19 Sept 2026, 00:00 CEST | Fair value | $0.81 | $0.77 | $2.27 |
| 16 Sept 2026, 00:00 CEST | Fair value | $0.77 | $0.79 | $2.37 |
| 14 Sept 2026, 00:00 CEST | Fair value | $0.79 | $0.77 | $2.45 |
| 11 Sept 2026, 00:00 CEST | Fair value | $0.77 | $0.81 | $2.57 |
Answered from Usio Inc. Common Stock fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| USIO Usio Inc. Common Stock | $3.14 | - | - | - | -8.0% | 35 | 53 |
| YUBICO.ST Yubico AB | kr 126.00 | kr 51 | 147% above | 72.8x | 8.9% | 71 | 66 |
| 3769.T GMO Payment Gateway, Inc. | ¥8725.00 | - | - | 27.1x | 21.7% | 91 | 72 |
| 4704.T Trend Micro Incorporated | ¥7260.00 | - | - | 27.2x | 30.0% | 86 | 65 |
| 4716.T Oracle Corporation Japan | ¥10000.00 | - | - | 19.1x | - | 46 | 55 |
| OFSS.NS Oracle Financial Services Software Limited | ₹9677.00 | - | - | 24.7x | 49.9% | 96 | 81 |
| DOCN DigitalOcean Holdings Inc. Common Stock | $93.22 | $40 | 131% above | 42.4x | 62.3% | 70 | 48 |
Where USIO ranks against its sector peers on each metric.