Usio Inc (USIO) — Titan Protect Analysis

USIO

Usio Inc

Technology · ·

$1.51

Data: 2026-06-03

✓ ETHICAL PASS

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$44M

Total market value of the company

Trailing P/E

N/A

Forward P/E

95.38

Based on estimated future earnings — lower means cheaper

Rev Growth

+15.7%

Year-over-year revenue change

Profit Margin

-2.4%

How much profit the company keeps from each dollar of revenue

ROE

-11.6%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$6.00

+297% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 3 analysts covering this stock

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 for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic pa

https://usio.com

Country: United States Employees: 107 Industry: Software - Infrastructure

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

PASS

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKUP

Price trending up with increasing momentum

Sharpe Ratio

0.305

Positive but modest risk-adjusted returns

Kelly Fraction

-0.0885

No positive edge detected — the data suggests staying out

Calmar Ratio

0.022

Drawdown risk outweighs the returns — higher risk profile

Annual Return

1.3%

Historical annualised return based on price data

Max Drawdown

-59.5%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

N/A

52W High

$2.02

25% below the year high

52W Low

$1.03

47% above the year low

Avg Volume

66,874

Average daily shares traded — higher means easier to buy and sell

Short Ratio

1.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$-0.08

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

26.86

Heavy leverage — higher financial risk if revenues decline

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

22.5%

Revenue left after cost of goods — higher means pricing power

Operating Margin

0.9%

Profit from core operations before interest and tax

Free Cash Flow

$117,511

Positive — the business generates more cash than it spends

Revenue (TTM)

$89M

Total revenue over the last 12 months

Net Income

$-2,154,866

Loss-making — spending exceeds revenue after all costs

Analyst Coverage

Analysts

Target High

$6.25

Target Median

$6.00

Target Low

$4.50

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

Before you go