Usio

USIO · NASDAQ

$2.85−$0.01 (−0.35%)TodayMarket closed · Oct 20, 4:10 PM ET

Prev close $2.86

USIO analyst rating

BuyConsensus of 2 analysts over the last 12 months. 100% rate it a buy.

Strong buy0
Buy2
Hold0
Underperform0
Sell0

12-month price target · 5 analysts

Average $6.04 (+111.8% upside)

Low: $5.05
Now: $2.85
High: $7.09

Upgrades and downgrades

The latest rating actions, newest first

USIO analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Ladenburg Thalmann	Aug 13, 2026	Maintains	Buy	$6.25 → $6.75	47%
Ladenburg Thalmann	May 15, 2026	Maintains	Buy	$5.75 → $6.25	47%
HC Wainwright & Co.	Mar 20, 2026	Maintains	Buy	$4.00	34%

The case for and against

Updated Jan 31, 2025

Bull case

Usio Inc has demonstrated a solid improvement in its financial metrics, highlighted by an EBITDA margin increase to 5.7% in 2024, up from 3.6% in the previous year, along with an adjusted EBITDA forecast rise to $4.3 million. The company’s revenue growth is accelerating, with projected revenue of $85.5 million for 2024, reflecting a 3.5% increase from 2023, driven by a significant uptick in recurring processing volumes. Additionally, a strong customer pipeline suggests potential for further revenue expansion in 2025, which, combined with improved gross margins due to the reclassification of interest income, positions Usio as a promising opportunity within the fintech sector.

Bear case

Usio Inc. has faced significant challenges in its revenue growth trajectory, with the company lowering its guidance for 2024 to a range of 3.0% to 7.0%, down from previous expectations of 10.0% to 12.0%. The second-quarter revenue of $20.1 million fell short of estimates and represented a decline of 6.3% from the previous year, attributed to weaker performance across various segments and delayed implementation of key contracts. Furthermore, Usio currently trades at a valuation of less than 0.6 times the 2025 revenue estimates, considerably lower than its fintech peers, which raises concerns over the company's competitive positioning and future growth prospects.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.