Microsoft Corporation (MSFT)vsUsio Inc (USIO)
MSFT
Microsoft Corporation
$416.67
+0.10%
TECHNOLOGY · Cap: $3.28T
USIO
Usio Inc
$1.53
-1.92%
TECHNOLOGY · Cap: $47.19M
Smart Verdict
WallStSmart Research — data-driven comparison
Microsoft Corporation generates 358114% more annual revenue ($318.27B vs $88.85M). MSFT leads profitability with a 39.3% profit margin vs -2.4%. USIO appears more attractively valued with a PEG of 0.95. MSFT earns a higher WallStSmart Score of 72/100 (B).
MSFT
Strong Buy72
out of 100
Grade: B
USIO
Hold42
out of 100
Grade: D
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 30 in profit
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 46.3%
Generating 15.8B in free cash flow
Conservative balance sheet, low leverage
Growing faster than its price suggests
Reasonable price relative to book value
15.7% revenue growth
Areas to Watch
Moderate valuation
Smaller company, higher risk/reward
Operating margin of 0.9%
ROE of -11.6% — below average capital efficiency
Earnings declined 63.3%
Comparative Analysis Report
WallStSmart ResearchBull Case : MSFT
The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 39.3% and operating margin at 46.3%. Revenue growth of 18.3% demonstrates continued momentum.
Bull Case : USIO
The strongest argument for USIO centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 15.7% demonstrates continued momentum. PEG of 0.95 suggests the stock is reasonably priced for its growth.
Bear Case : MSFT
The primary concerns for MSFT are P/E Ratio.
Bear Case : USIO
The primary concerns for USIO are Market Cap, Operating Margin, Return on Equity.
Key Dynamics to Monitor
USIO carries more volatility with a beta of 1.40 — expect wider price swings.
MSFT is growing revenue faster at 18.3% — sustainability is the question.
MSFT generates stronger free cash flow (15.8B), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MSFT scores higher overall (72/100 vs 42/100), backed by strong 39.3% margins and 18.3% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Microsoft Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.
Visit Website →Usio Inc
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Usio, Inc., provides integrated electronic payment processing services to merchants and businesses in the United States. The company is headquartered in San Antonio, Texas.
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