Usio, Inc. (NASDAQ: USIO)

Sector: Technology Industry: Software - Infrastructure CIK: 0001088034
P/B 1.49
P/E -72.00
P/S 0.33
Market Cap 27.92 Mn
ROIC (Qtr) -9.20
Div Yield % 0.00
Rev 1y % (Qtr) -0.66
Total Debt (Qtr) 3.52 Mn
Debt/Equity (Qtr) 0.19

About

Stock Price Chart

Analysis

Pros

  • Strong operating cash flow of 11.93M provides robust 3.39x coverage of total debt 3.52M, indicating excellent debt servicing capability and financial flexibility.
  • Healthy cash reserves of 9.69M provide 10.99x coverage of short-term debt 881571, demonstrating strong liquidity position and minimal refinancing risk.
  • Strong tangible asset base of 99.17M provides 28.18x coverage of total debt 3.52M, indicating robust asset backing and low credit risk.
  • Operating cash flow of 11.93M provides exceptional 252.96x coverage of interest expenses 47173, showing strong debt service capability.
  • Robust free cash flow of 10.55M exceeds capital expenditure of 1.39M by 7.62x, indicating strong organic growth funding capability.

Cons

  • Operating cash flow of 11.93M barely covers its investment activities of (1.39M), with a coverage ratio of -8.62, indicating heavy reliance on external financing for growth which may not be sustainable in a tighter credit environment.
  • High receivables of 5.21M relative to inventory of 337693 (15.43 ratio) suggests aggressive credit terms or collection difficulties, potentially masking revenue quality issues.
  • Operating earnings of 208676 show weak coverage of depreciation charges of 1.95M, with a 0.11 ratio indicating high capital intensity and potential reinvestment needs.
  • Operating cash flow of 11.93M is outpaced by equity issuance of (1.66M) (-7.18 ratio), indicating concerning reliance on equity markets for funding operations.
  • R&D investment of 0 represents just 0x of SG&A expenses of 18.86M, indicating potential underinvestment in innovation relative to administrative overhead.

Peer Comparison

Companies in the Software - Infrastructure
S.No. Ticker Company Market Cap P/E P/S Total Debt (Qtr)
1 MSFT Microsoft Corp 3,542.10 Bn 33.76 12.06 60.56 Bn
2 ORCL Oracle Corp 533.93 Bn 34.61 8.75 124.39 Bn
3 PLTR Palantir Technologies Inc. 437.56 Bn 399.47 112.31 0.24 Bn
4 PANW Palo Alto Networks Inc 125.16 Bn 112.03 13.10 0.35 Bn
5 CRWD CrowdStrike Holdings, Inc. 120.85 Bn -384.67 26.47 0.82 Bn
6 SNPS Synopsys Inc 71.69 Bn 35.89 11.14 15.14 Bn
7 NET Cloudflare, Inc. 67.84 Bn -658.43 33.70 3.50 Bn
8 FTNT Fortinet, Inc. 63.33 Bn 33.80 9.66 1.00 Bn

Industry Comparisons

Current Valuation

Metric Value Industry Percentile
EV to Assets 0.22 2.56
EV to Cash from Ops. 1.84 38.32
EV to Debt 6.23 -11.37
EV to EBIT 104.99 -12.79
EV to EBITDA 89.32 7.72
EV to Free Cash Flow [EV/FCF] 2.08 24.22
EV to Market Cap 0.78 0.58
EV to Revenue 0.26 -35.00
Price to Book Value [P/B] 1.49 3.74
Price to Earnings [P/E] -72.00 -18.61

Dividend Metrics

Metric Value Industry Percentile
Dividend Coverage Ratio 0.00 -0.30
Dividend Payout Ratio % 0.00 2.69
Dividend per Basic Share 0.00 0.10
FCF Dividend Payout Ratio % 0.00 1.67
Interest Coverage 4.42 -13.15

Growth Metrics

Metric Value Industry Percentile
Capex Growth (1y) % -46.45 -404.11
Cash and Equivalents Growth (1y) % -5.20 226.02
Dividend Growth (1y) % 0.00 -0.27
EBIAT Growth (1y) % -123.82 31.15
EBITDA Growth (1y) % -81.94 49.02
EBIT Growth (1y) % 231.74 25.85
EBT Growth (1y) % 179.34 17.82
EPS Growth (1y) % -122.22 70.69
FCF Growth (1y) % 128.47 295.45
Gross Profit Growth (1y) % 0.38 49.96

Liquidity Ratios

Metric Value Industry Percentile
Asset Utilization Ratio 0.84 0.68
Cash Payout Ratio 0.00 0.02
Cash Ratio 0.12 1.21
Current Ratio 1.13 2.57
Debt to Equity Ratio 0.19 -0.93
Interest Cover Ratio 4.42 -13.15
Times Interest Earned 4.42 -13.15

Profitability

Metric Value Industry Percentile
EBITDA Margin % 2.60 -544.82
EBIT Margin % 0.25 -197.78
EBT Margin % 0.19 -602.74
Gross Margin % 23.80 52.06
Net Profit Margin % -0.50 -605.52