Loyalty Ventures Inc. (LYLTQ) vs Usio Inc (USIO)

Loyalty Ventures Inc. and Usio Inc are both Software Infrastructure companies. Usio Inc is the larger, with a market value of $65.0M against $54.1M — 1.2× the size. Usio Inc grew revenue faster over the last twelve months: 10.4% against 0.02%. Usio Inc has the higher net margin (−1.63% vs −68.3%) and the higher return on invested capital (−5.13% vs −166.1%). Across the 16 metrics below, Usio Inc leads on 9 and Loyalty Ventures Inc. on 7.

Valuation

Metric LYLTQ USIO Software Infrastructure median
P/E n/m n/m 28.02
P/S n/m 0.70 3.07
P/B n/m 3.45 3.36
Price to free cash flow n/m n/m 17.12
EV/EBITDA 5.73 158.24 14.91
EV/Sales 0.75 0.64 3.03
Earnings yield 0.00% (2.19%) 0.13%
Free cash flow yield 0.00% (1.76%) 1.15%

Profitability

Metric LYLTQ USIO Software Infrastructure median
Gross margin 16.41% 22.26% 61.23%
Operating margin (56.74%) (1.21%) 0.00%
Net margin (68.27%) (1.63%) 0.00%
Free cash flow margin (0.92%) (1.23%) 1.67%
Return on equity (164.51%) (8.04%) 0.59%
Return on assets (24.83%) (1.30%) 0.00%
Return on invested capital (166.07%) (5.13%) 0.00%

Growth

Metric LYLTQ USIO Software Infrastructure median
Revenue growth (TTM) 0.02% 10.39% 13.41%
EPS growth (last fiscal year) (103.11%) (175.00%) —
Revenue growth, 5-year CAGR — 21.50% 15.81%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric LYLTQ USIO Software Infrastructure median
Debt to equity (1.59) 0.07 0.06
Current ratio 0.98 1.10 1.55
Net debt to EBITDA 3.42 14.68 0.08

Dividend

Metric LYLTQ USIO Software Infrastructure median
Dividend yield 2.87% — 1.53%
Payout ratio 0.00 0.00 0.00

Size

Metric LYLTQ USIO Software Infrastructure median
Market cap 54.15m 64.97m 835.96m

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