Usio Inc (USIO)
NASDAQInformation TechnologySoftware - InfrastructureSnapshot 2026-09-04
$2.75+0.36%
Close 2026-09-04 · 1-day change
NASDAQInformation TechnologySoftware - InfrastructureSnapshot 2026-09-04
QuarterlyIQ Insights · USIO
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -82.4% |
| Our one-year growth estimate | diamond |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| 12.4% |
Growth built into the price is above our model estimate.
The price assumes 94.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is a smaller-cap name (higher miss base rate) and is on a run of consecutive earnings misses. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 69 industry peers · Company calendar date is not available
USIO — capital allocation — Material Modification to Rights of Security Holders To the extent required, t…
Dated 2026-06-16
Material Modification to Rights of Security Holders To the extent required, the information set forth below under
Why it matters: Better Adjusted EBITDA means better cost control and profits. This is important for investor trust.
Supportive ifAdjusted EBITDA was over $1.1 million in Q3.
Worry ifAdjusted EBITDA was below $1.1 million in Q3.
Why it matters: A beat on earnings shows strong performance. It also boosts investor confidence and shows good management.
Supportive ifQ2 earnings exceed analyst expectations by at least 5%.
Worry ifQ2 earnings fall short of analyst expectations by more than 5%.
Why it matters: ACH makes high profits. Strong growth shows it is expanding and making money.
Supportive ifACH revenue growth reported above 20% in the next quarter.
Worry ifACH revenue growth reported below 20% in the next quarter.
Why it matters: Growth in total payment dollars shows how healthy the business is. It is a key sign of Usio's market strength.
Supportive ifTotal payment dollars processed was over $2.5 billion in Q3.
Worry ifTotal payment dollars processed was below $2.5 billion in Q3.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$262 on $10,000 · ±2.6% | How much price usually moves either way. |
| Bad day | $439 loss on $10,000 · 4.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,291 loss on $10,000 · 32.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: This would indicate weakening momentum in a key growth area for Usio.
Worry ifCredit card revenue growth reported below 20% year over year.
Less concerning ifCredit card revenue growth reported at or above 20% year over year.
Why it matters: If revenue growth slows, it could signal a weakening position in a growing sector.
Worry ifUsio's revenue growth falls below the sector median growth rate.
Less concerning ifUsio's revenue growth remains above the sector median growth rate.
Why it matters: Growth would show that management can use operating leverage. This would help make more money.
Supportive ifOperating income for Q2 2026 is above $0.2 million.
Worry ifOperating income for Q2 2026 is below $0.2 million.
Why it matters: Management raised full year revenue growth guidance to 14-16%. Confirmation shows strong performance.
Supportive ifQ3 revenue growth reported at or above 14% year over year.
Worry ifQ3 revenue growth reported below 14% year over year.
Why it matters: ACH makes a lot of money. Its growth helps overall revenue and profits.
Supportive ifACH transaction volumes increase by more than 30% year over year in Q3.
Worry ifACH transaction volumes increase by less than 30% year over year in Q3.
Why it matters: Output Solutions is important for making money. Growth shows strong operations.
Supportive ifOutput Solutions revenue growth exceeds 20% year over year in Q3.
Worry ifOutput Solutions revenue growth is below 20% year over year in Q3.