Usio (NASDAQ:USIO) and Tenet Fintech Group (OTCMKTS:PKKFF) Head to Head Analysis

Usio (NASDAQ:USIO) and Tenet Fintech Group (OTCMKTS:PKKFF) are both small-cap business services companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, dividends, risk, institutional ownership, valuation, profitability and analyst recommendations.

Analyst Recommendations

This is a summary of current ratings for Usio and Tenet Fintech Group, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Usio	3	0	1	0	1.50
Tenet Fintech Group	0	0	0	0	0.00

Usio presently has a consensus target price of $4.00, suggesting a potential upside of 249.34%. Given Usio’s stronger consensus rating and higher probable upside, research analysts plainly believe Usio is more favorable than Tenet Fintech Group.

Profitability

This table compares Usio and Tenet Fintech Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Usio	-2.94%	-13.52%	-2.22%
Tenet Fintech Group	-1,215.85%	-722.03%	-68.92%

Insider and Institutional Ownership

20.2% of Usio shares are held by institutional investors. Comparatively, 0.3% of Tenet Fintech Group shares are held by institutional investors. 17.8% of Usio shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Usio and Tenet Fintech Group”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Usio	$85.39 million	0.37	-$2.51 million	($0.09)	-12.72
Tenet Fintech Group	$2.03 million	7.84	-$42.29 million	($0.09)	-0.72

Usio has higher revenue and earnings than Tenet Fintech Group. Usio is trading at a lower price-to-earnings ratio than Tenet Fintech Group, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

Usio has a beta of 1.28, suggesting that its stock price is 28% more volatile than the S&P 500. Comparatively, Tenet Fintech Group has a beta of 1.41, suggesting that its stock price is 41% more volatile than the S&P 500.

Summary

Usio beats Tenet Fintech Group on 10 of the 13 factors compared between the two stocks.

About Usio

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conversion for electronic payment facilitation. In addition, the company offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. Further, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.

About Tenet Fintech Group

Tenet Fintech Group Inc., through its subsidiaries, provides various analytics and AI-based services to small-and-medium businesses and financial institutions. It offers Business Hub, a global ecosystem where analytics and AI are used to create opportunities and facilitate B2B transactions among its members. The company was formerly known as Peak Fintech Group Inc. and changed its name to Tenet Fintech Group Inc. in November 2021. Tenet Fintech Group Inc. was incorporated in 2008 and is headquartered in Toronto, Canada.