UsioUSIO +7.01%58 EV-to-FCF is -81.45 as of Jul. 12, 2026. GuruFocus rates USIO with a GF Score™ of 58/100 and a GF Value™ of $1.62 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,596 Software companies, Usio ranks worse than 62656.58% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Usio's Enterprise Value is $61.17 Mil.
Usio's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.75 Mil. Therefore, Usio's EV-to-FCF for today is -81.45.
The historical rank and industry rank for Usio's EV-to-FCF or its related term are showing as below:
USIO'
s EV-to-FCF Range Over the Past 10 Years
Min: -1522.81 Med: -1.4 Max: 35.81
Current: -81.45
During the past 13 years, the highest EV-to-FCF of Usio was 35.81. The lowest was -1522.81. And the median was -1.40.
USIO's EV-to-FCF is ranked worse than 100% of 1596
companies
in the Software industry
Industry Median: 14.73
vs USIO: -81.45
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-07-12), Usio's stock price is $2.32.
Usio's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.080. Therefore, Usio's PE Ratio (TTM) for today is At Loss.
Usio (NAS:USIO) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Usio's share price for today is $2.32.
Usio's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.080.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Usio EV-to-FCF Related Terms
Usio EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Usio's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Infrastructure subindustry, Usio's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Usio EV-to-FCF vs Software Industry
For the Software industry and Technology sector, Usio's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Usio's EV-to-FCF falls into.
Usio's current Enterprise Value is $61.17 Mil.
Usio's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.75 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Usio (USIO) has a EV-to-FCF of -81.45 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Usio and its competitors. According to the industry distribution chart, Usio ranks #999999 out of 1596 companies in the Software industry.
Is Usio's EV-to-FCF too high?
Usio's current EV-to-FCF is -81.45. Based on the distribution chart, Usio ranks #999999 out of 1596 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Usio has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Usio's EV-to-FCF compare to LIDR and RMXI?
According to the Software industry distribution chart, Usio ranks #999999 out of 1596 companies for EV-to-FCF. This places Usio in the lower half of its industry. The industry median EV-to-FCF is 14.73. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Software company?
The median EV-to-FCF among Software companies is 14.73, based on 1,596 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Usio and its competitors. For the Software industry, the median EV-to-FCF is 14.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usio's current EV-to-FCF is -81.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usio stock overvalued right now?
Based on GuruFocus' analysis, Usio (USIO) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.62, compared to a current price of $2.32 — trading 43.2% above its estimated fair value. The current EV-to-FCF is -81.45. Usio's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Usio (USIO), the current EV-to-FCF is -81.45 as of Jul. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Usio (USIO) Overvalued in 2026?
Based on GuruFocus' analysis, Usio stock appears to be overvalued.
The current stock price of $2.32 is trading 43.2% above its estimated GF Value™ of $1.62.
GuruFocus considers Usio to be Significantly Overvalued.
Key valuation signals for USIO:
EV-to-FCF: -81.45
GF Value™: $1.62 vs. price of $2.32 (43.2% above fair value)
No single metric tells the full story. See the USIO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Usio Inc is a cloud-based Fintech payment processor. The company serves multiple industry verticals with technology that facilitates payment acceptance and funds disbursement in a single, full-stack ecosystem. It provides payment acceptance through multiple payment methods, including payment facilitation, prepaid card, and electronic billing products and services to businesses, merchants, and consumers. The company's reportable operating segments are Output Solutions and Merchant Services, and these segments.
58GF Score
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