Usio, Inc. cash flow to debt ratio of 38.92% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Usio, Inc.'s free cash flow has decreased 43.35% from $1.90M last year to $1.08M, signaling decreasing performance

Usio, Inc.'s debt to equity ratio is 0.20, which means that the company's assets are healthy financed, signaling financial stability.

Usio, Inc.'s debt has decreased relative to shareholder equity from 0.20 last year to 0.20 today, signaling strengthened financials

Usio, Inc. has a net cash position, so leverage is healthy.

Usio, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Usio, Inc.'s profit margin has decreased (160.85%) in the last year from 3.99% to -2.43%, signaling decreasing performance

Usio, Inc.'s short-term assets of $123.41M exceed its short-term liabilities of $114.02M

Usio, Inc.'s return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

Usio, Inc.'s return on equity of -11.73%, is lower than 15.00%, indicating bad performance

Usio, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Usio, Inc. had positive net income in only 1 out of 5 years, indicating unstable earnings

Usio, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Usio, Inc. has a free cash flow yield of 1.78%, which is below the 2.00% threshold, indicating limited cash return relative to market value

Usio, Inc.'s yearly earnings has decreased 176.00% since last year from $3.31M to $-2.51M, signaling decreasing performance

Usio, Inc.'s yearly revenue has increased 2.97% since last year from $82.93M to $85.39M, signaling increasing performance

ROIC -8.35% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Usio, Inc.'s 3-year revenue CAGR of 7.14% is positive, indicating growing revenue over the past 3 years

Usio, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Usio, Inc. had positive ROE in only 1 out of 5 years, indicating inconsistent returns on equity

Usio, Inc. is overvalued relative to its fair value price of 0.26 based on Discounted Cash Flow model

Usio, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Usio, Inc. is overvalued relative to its fair value price of 0.06 based on EBITDA multiple model

Usio, Inc. has negative or missing EBITDA, making EV/EBITDA ratio unreliable

Usio, Inc. is overvalued relative to its fair value price of -1.43 based on Earnings Fair Value model

Usio, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Usio, Inc. has a price-to-book ratio of 3.36x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Usio, Inc. has a price-to-sales ratio of 0.69x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue