Usio (USIO) Moat Score: 4/10 (As of Jun. 27, 2026)


USIO Usio Inc USIO
58 GF Score
Price $2.21
GF Value $1.61
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Usio Moat Score?

Usio USIO +2.77% 58 Moat Score is 4 as of Jun. 27, 2026. GuruFocus rates USIO with a GF Score™ of 58/100 and a GF Value™ of $1.61 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,848 Software companies, Usio ranks better than 90.17% on this metric.

Usio has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Usio has Narrow Moat: Usio Inc has a discernible but modest moat due to its niche position in payment processing. The company benefits from some customer switching costs and proprietary technology. However, it faces competition from larger payment processors, limiting its market share and pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Usio might have Narrow Moat - Discernible but modest moat.

Usio  (NAS:USIO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Usio Moat Score Related Terms

USIO vs EXYN, AVX, HPAI: Moat Score Comparison

For the Software - Infrastructure subindustry, Usio's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Software Industry

For the Software industry and Technology sector, Usio's Moat Score distribution charts can be found below:

* The bar in red indicates where Usio's Moat Score falls into.


USIO
58GF Score
Usio Inc USIO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Usio (USIO) has a Moat Score of 4 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Usio ranks #280 out of 2848 companies in the Software industry, placing it in the top 9.8%.
Is Usio's Moat Score too high?
Usio's current Moat Score is 4. Based on the distribution chart, Usio ranks #280 out of 2848 companies in the Software industry, which is in the top quartile — a strong position 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 Moat Score compare to EXYN and AVX?
According to the Software industry distribution chart, Usio ranks #280 out of 2848 companies for Moat Score. This places Usio in the top 10% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Usio's current Moat Score is 4. 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 $1.61, compared to a current price of $2.21 — trading 37.3% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Usio (USIO), the current Moat Score is 4 as of Jun. 27, 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 $2.21 is trading 37.3% above its estimated GF Value™ of $1.61. GuruFocus considers Usio to be Significantly Overvalued.

Key valuation signals for USIO:

  • Moat Score: 4
  • GF Value™: $1.61 vs. price of $2.21 (37.3% above fair value)
  • GF Score™: 58/100 with 6 warning signs

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 Business Description

Address 3611 Paesanos Parkway, Suite 300, San Antonio, TX, USA, 78231
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.21
Price
$1.61
GF Value