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UsioUSIO -1.81%53 Intrinsic Value: Projected FCF is $1.79 as of Aug. 31, 2026. GuruFocus rates USIO with a GF Score™ of 53/100 and a GF Value™ of $1.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,469 Software companies, Usio ranks worse than 52.55% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-31), Usio's Intrinsic Value: Projected FCF is $1.79. The stock price of Usio is $2.72. Therefore, Usio's Price-to-Intrinsic-Value-Projected-FCF of today is 1.5.
The historical rank and industry rank for Usio's Intrinsic Value: Projected FCF or its related term are showing as below:
USIO'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.13 Med: 0.82 Max: 12.31
Current: 1.52
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Usio was 12.31. The lowest was 0.13. And the median was 0.82.
USIO's Price-to-Projected-FCF is ranked worse than 52.55% of 1469
companies
in the Software industry
Industry Median: 1.47
vs USIO: 1.52
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Usio's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
2.72
/
1.7872778170951
=
1.52
* 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 Intrinsic Value: Projected FCF Related Terms
Usio Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Usio's Intrinsic Value: Projected 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.
USIO vs VERI, AIFC, ROC: Intrinsic Value: Projected FCF Comparison
For the Software - Infrastructure subindustry, Usio's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Software Industry
For the Software industry and Technology sector, Usio's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Usio's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $1.79 mean?
Usio (USIO) has a Intrinsic Value: Projected FCF of $1.79 as of Aug. 31, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Usio and its competitors. According to the industry distribution chart, Usio ranks #772 out of 1469 companies in the Software industry, placing it in the top 52.6%.
Is Usio's Intrinsic Value: Projected FCF too high?
Usio's current Intrinsic Value: Projected FCF is $1.79. The Software industry median Intrinsic Value: Projected FCF is 1.47. Usio's value of $1.79 is 21.8% above this industry median. Based on the distribution chart, Usio ranks #772 out of 1469 companies in the Software industry, which is below the industry midpoint. Overall, Usio has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Usio's Intrinsic Value: Projected FCF compare to VERI and AIFC?
According to the Software industry distribution chart, Usio ranks #772 out of 1469 companies for Intrinsic Value: Projected FCF. This places Usio in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 1.47. Usio's value of $1.79 is 21.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Software company?
The median Intrinsic Value: Projected FCF among Software companies is 1.47, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Usio's current Intrinsic Value: Projected FCF of $1.79 is 21.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Usio and its competitors. For the Software industry, the median Intrinsic Value: Projected FCF is 1.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usio's current Intrinsic Value: Projected FCF is $1.79. 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 $1.66, compared to a current price of $2.72 — trading 63.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is $1.79 and 21.8% above the Software industry median of 1.47. Usio's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Usio (USIO), the current Intrinsic Value: Projected FCF is $1.79 as of Aug. 31, 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 $2.72 is trading 63.9% above its estimated GF Value™ of $1.66.
GuruFocus considers Usio to be Significantly Overvalued.
Key valuation signals for USIO:
Intrinsic Value: Projected FCF: $1.79
GF Value™: $1.66 vs. price of $2.72 (63.9% above fair value)
Industry Position: 21.8% above the Software median (#772 of 1469)
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.
53GF Score
Get the complete analysis for USIO
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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