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Usio, Inc.(USIO)Earnings, Financials & Key Ratios
USIO•NASDAQ
Price updated Jun 19, 2026
AboutUsio, 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, a consumer non-sufficient funds check that is presented for payment electronically rather than through the paper check collection system; and Accounts Receivable Check Conversion, a consumer paper check payment that is converted into an e-check. The company also 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. In addition, 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. Further, 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.Show more
- Revenue$85M+3.0%
- EBITDA-$413K-152.1%
- Net Income-$3M-176.0%
- EPS (Diluted)-0.09-177.8%
- Gross Margin23.06%-2.5%
- EBITDA Margin-0.48%-150.6%
- Operating Margin-2.76%-55.8%
- Net Margin-2.94%-173.8%
- ROE-13.55%-170.2%
USIO Key Insights
Usio, Inc. (USIO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Momentum leader: RS Rating 87 (top 13%)
- ✓Strong 5Y sales CAGR of 21.5%
✗Weaknesses
- ✗Weak 3Y average ROE of 0.8%
- ✗Weak Piotroski F-Score: 3/9
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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USIO Price & Volume
Usio, Inc. (USIO) stock price & volume — 10-year historical chart
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USIO Growth Metrics
Usio, Inc. (USIO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years19.5%
5 Years21.5%
3 Years7.14%
TTM5.81%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-164.89%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-168.36%
Return on Capital
10 Years-20.95%
5 Years-11.64%
3 Years-9.87%
Last Year-10.94%
USIO Recent Earnings
Usio, Inc. (USIO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (27%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 13, 2026Metric
Actual
Est
EPS
$0.00+144.0%
$0.01
Rev
$25M+9.8%
$23M
Q2 2026
Mar 18, 2026Metric
Actual
Est
EPS
$0.05-600.0%
$0.01
Rev
$22M-3.7%
$23M
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$0.02-300.0%
$0.01
Rev
$21M-8.2%
$23M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$0.01+0.0%
$0.01
Rev
$20M-10.6%
$22M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 13, 2026 | $0.00vs $0.01+144.0% | $25Mvs $23M+9.8% |
| Q2 2026 | Mar 18, 2026 | $0.05vs $0.01-600.0% | $22Mvs $23M-3.7% |
| Q4 2025 | Nov 12, 2025 | $0.02vs $0.01-300.0% | $21Mvs $23M-8.2% |
| Q3 2025 | Aug 6, 2025 | $0.01vs $0.01+0.0% | $20Mvs $22M-10.6% |
Based on last 12 quarters of dataView full earnings history →
USIO Peer Comparison
Usio, Inc. (USIO) competitors in Payments Processing and Fintech Services — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 PRTH | 590.49M | 7.17 | 10.54 | 8.33% | 5.85% | |||
 RPAY | 298.61M | 3.39 | -1.13 | -1.21% | -82.73% | -46.64% | 0.91 | |
 EVTC | 1.58B | 25.72 | 11.69 | 10.21% | 13.95% | 18.65% | 1.58 | |
 FLYW | 1.89B | 15.85 | 144.09 | 26.59% | 6.65% | 5.87% | ||
 FOUR | 2.73B | 39.42 | 36.50 | 25.5% | 2.29% | 5.13% | 2.36 | |
 IIIV | 437.91M | 19.82 | 35.39 | -7.29% | 8.26% | 3.67% | 0.01 | |
 CASS | 639.22M | 49.52 | 18.97 | -13.1% | 17.25% | 14.61% | 0.02 | |
 V | 627.79B | 327.24 | 32.08 | 11.34% | 51.68% | 58.9% | 0.66 |
Compare USIO vs Peers
Usio, Inc. (USIO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
USIO Income Statement
Usio, Inc. (USIO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Sales/Revenue | 14.57M | 25.02M | 28.2M | 32.25M | 61.94M | 69.43M | 82.59M | 82.93M | 85.39M | 88.85M |
Revenue Growth % | 20.66% | 71.74% | 12.69% | 14.37% | 92.06% | 12.09% | 18.96% | 0.41% | 2.97% | 5.81% |
Cost of Goods Sold | 10.8M | 19.45M | 22.25M | 24.88M | 46.31M | 54.84M | 63.99M | 63.32M | 65.7M | 69.52M |
COGS % of Revenue | 74.14% | 77.74% | 78.9% | 77.13% | 74.76% | 78.98% | 77.48% | 76.35% | 76.94% | - |
Gross Profit | 3.77M▲ 0% | 5.57M▲ 47.8% | 5.95M▲ 6.8% | 7.38M▲ 24.0% | 15.63M▲ 111.9% | 14.59M▼ 6.6% | 18.6M▲ 27.4% | 19.61M▲ 5.5% | 19.69M▲ 0.4% | 19.33M▲ 0% |
Gross Margin % | 25.86% | 22.26% | 21.1% | 22.87% | 25.24% | 21.02% | 22.52% | 23.65% | 23.06% | 21.76% |
Gross Profit Growth % | -0.39% | 47.8% | 6.82% | 23.98% | 111.94% | -6.65% | 27.45% | 5.46% | 0.4% | - |
Operating Expenses | 6.61M | 9.34M | 11.01M | 11.13M | 15.79M | 19.81M | 20.52M | 21.08M | 22.05M | 21.22M |
OpEx % of Revenue | 45.33% | 37.34% | 39.05% | 34.52% | 25.49% | 28.53% | 24.85% | 25.42% | 25.82% | - |
Selling, General & Admin | 5.35M | 7.47M | 8.99M | 9.61M | 1.49M | 17.07M | 18.44M | 2.09M | 20.11M | 20.24M |
SG&A % of Revenue | 36.7% | 29.84% | 31.88% | 29.81% | 2.41% | 24.59% | 22.33% | 2.52% | 23.55% | - |
Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
R&D % of Revenue | - | - | - | - | - | - | - | - | - | - |
Other Operating Expenses | 1.58K | -77 | 2.02M | 1.52M | 14.3M | 2.74M | 2.08M | 18.99M | 1.95M | 985.86K |
Operating Income | -2.84M▲ 0% | -3.77M▼ 33.0% | -5.06M▼ 34.1% | -3.76M▲ 25.8% | -155.38K▲ 95.9% | -5.21M▼ 3255.9% | -1.92M▲ 63.1% | -1.47M▲ 23.5% | -2.36M▼ 60.5% | -1.89M▲ 0% |
Operating Margin % | -19.47% | -15.08% | -17.95% | -11.65% | -0.25% | -7.51% | -2.33% | -1.77% | -2.76% | -2.13% |
Operating Income Growth % | -108.52% | -33.05% | -34.14% | 25.8% | 95.86% | -3255.9% | 63.13% | 23.52% | -60.48% | - |
EBITDA | -1.58M | -1.9M | -3.04M | -2.24M | 2.49M | -2.48M | 159.03K | 792.96K | -413.38K | -218.11K |
EBITDA Margin % | -10.84% | -7.59% | -10.78% | -6.94% | 4.02% | -3.57% | 0.19% | 0.96% | -0.48% | -0.25% |
EBITDA Growth % | -244% | -20.27% | -60.12% | 26.37% | 211.15% | -199.64% | 106.41% | 398.61% | -152.13% | -128.89% |
D&A (Non-Cash Add-back) | 1.26M | 1.88M | 2.02M | 1.52M | 2.64M | 2.74M | 2.08M | 2.26M | 1.95M | 1.68M |
EBIT | -2.84M | -3.77M | -5.06M | -3.76M | -147.46K | -5.2M | -177.38K | 732.09K | -1.95M | -1.56M |
Net Interest Income | 100.96K | 76.55K | 81.79K | 60.29K | 3.33K | 11.19K | 1.69M | 410.94K | 355.08K | 356.57K |
Interest Income | 100.96K | 76.55K | 81.79K | 60.29K | 7.64K | 15.24K | 1.7M | 464.75K | 407.16K | 419.64K |
Interest Expense | 0 | 0 | 0 | 0 | 4.31K | 4.05K | 5.2K | 53.8K | 52.08K | 63.07K |
Other Income/Expense | 102.55K | 76.47K | 49.14K | 873.79K | 3.61K | 11.19K | 1.74M | 2.15M | 360.08K | 361.57K |
Pretax Income | -2.73M▲ 0% | -3.7M▼ 35.2% | -5.01M▼ 35.6% | -2.88M▲ 42.5% | -151.77K▲ 94.7% | -5.2M▼ 3328.3% | -182.58K▲ 96.5% | 678.28K▲ 471.5% | -2M▼ 394.8% | -1.53M▲ 0% |
Pretax Margin % | -18.77% | -14.78% | -17.78% | -8.94% | -0.24% | -7.49% | -0.22% | 0.82% | -2.34% | -1.73% |
Income Tax | 274.32K | 77.78K | 101.89K | 23.11K | 169.86K | 280K | 292.52K | -2.63M | 512.81K | 622.13K |
Effective Tax Rate % | -10.03% | -2.1% | -2.03% | -0.8% | -111.92% | -5.38% | -160.22% | -387.33% | -25.65% | -40.59% |
Net Income | -3.01M▲ 0% | -3.78M▼ 25.5% | -5.12M▼ 35.5% | -2.91M▲ 43.2% | -321.63K▲ 88.9% | -5.48M▼ 1604.8% | -475.1K▲ 91.3% | 3.31M▲ 795.7% | -2.51M▼ 176.0% | -2.15M▲ 0% |
Net Margin % | -20.65% | -15.09% | -18.14% | -9.01% | -0.52% | -7.9% | -0.58% | 3.99% | -2.94% | -2.43% |
Net Income Growth % | -151.44% | -25.49% | -35.49% | 43.19% | 88.93% | -1604.81% | 91.34% | 795.74% | -176% | -164.89% |
Net Income (Continuing) | -3.01M | -3.78M | -5.12M | -2.91M | -321.63K | -5.48M | -475.1K | 3.31M | -2.51M | -2.15M |
Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EPS (Diluted) | -0.33▲ 0% | -0.31▲ 6.1% | -0.39▼ 25.8% | -0.19▲ 51.3% | -0.02▲ 91.5% | -0.27▼ 1577.0% | -0.02▲ 91.3% | 0.12▲ 608.5% | -0.09▼ 177.8% | -0.08▲ 0% |
EPS Growth % | -120% | 6.06% | -25.81% | 51.28% | 91.53% | -1577.02% | 91.26% | 608.47% | -177.75% | -168.36% |
EPS (Basic) | -0.33 | -0.31 | -0.39 | -0.19 | -0.02 | -0.27 | -0.02 | 0.12 | -0.09 | - |
Diluted Shares Outstanding | 9M | 12.13M | 12.96M | 15.43M | 20.03M | 20.38M | 20.11M | 26.85M | 26.93M | 27.75M |
Basic Shares Outstanding | 9M | 12.13M | 12.96M | 15.43M | 20.03M | 20.38M | 20.11M | 26.85M | 26.93M | 27.75M |
Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
USIO Balance Sheet
Usio, Inc. (USIO) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Current Assets | 59.1M | 60.91M | 53.05M | 69.09M | 121.26M | 87.41M | 97.24M | 95.16M | 123.41M | 107.29M |
Cash & Short-Term Investments | 4.8M | 2.7M | 2.14M | 5.01M | 7.26M | 5.71M | 7.16M | 8.06M | 7.43M | 7.73M |
Cash Only | 4.8M | 2.7M | 2.14M | 5.01M | 7.26M | 5.71M | 7.16M | 8.06M | 7.43M | 7.73M |
Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Receivable | 1.12M | 1.32M | 1.27M | 2.86M | 4.98M | 4.37M | 5.56M | 6.55M | 5.27M | 5.42M |
Days Sales Outstanding | 28.05 | 19.3 | 16.49 | 32.41 | 29.34 | 22.98 | 24.59 | 28.82 | 22.55 | 21.36 |
Inventory | 14.98M | 12.75M | 0 | 176.47K | 434.53K | 507.36K | 422.81K | 403.8K | 461.68K | 392.87K |
Days Inventory Outstanding | 506.05 | 239.16 | - | 2.59 | 3.42 | 3.38 | 2.41 | 2.33 | 2.56 | 605.98K |
Other Current Assets | 53.01M | 56.89M | 49.11M | 53.43M | 70.63M | 55.1M | 52.08M | 52.58M | 110.24M | 93.75M |
Total Non-Current Assets | 8.33M | 7.31M | 8.51M | 13.58M | 12.42M | 10.5M | 9.69M | 12.05M | 11.48M | 12.9M |
Property, Plant & Equipment | 2.11M | 1.93M | 4.04M | 5.78M | 6.41M | 6.02M | 6.08M | 6.23M | 6.58M | 8.07M |
Fixed Asset Turnover | 6.92x | 12.95x | 6.98x | 5.58x | 9.66x | 11.54x | 13.58x | 13.31x | 12.98x | 0.00x |
Goodwill | 9.76K | 9.76K | 9.76K | 9.76K | 0 | 0 | 9.76K | 0 | 0 | 0 |
Intangible Assets | 4.67M | 3.67M | 2.67M | 6.03M | 4.16M | 2.63M | 1.74M | 881.35K | 9.76K | 9.76K |
Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Current Assets | 157.56K | 306.76K | 404.06K | 368.08K | 345.36K | 355.36K | 355.36K | 357.88K | 362.95K | 362.95K |
Total Assets | 67.44M▲ 0% | 68.22M▲ 1.2% | 61.56M▼ 9.8% | 82.67M▲ 34.3% | 133.68M▲ 61.7% | 97.91M▼ 26.8% | 106.93M▲ 9.2% | 107.21M▲ 0.3% | 134.89M▲ 25.8% | 120.19M▲ 0% |
Asset Turnover | 0.22x | 0.37x | 0.46x | 0.39x | 0.46x | 0.71x | 0.77x | 0.77x | 0.63x | 0.77x |
Asset Growth % | -2.99% | 1.16% | -9.76% | 34.29% | 61.71% | -26.76% | 9.21% | 0.26% | 25.82% | 21.76% |
Total Current Liabilities | 54.31M | 58.5M | 51.71M | 63.47M | 112.46M | 81.62M | 89.23M | 84.95M | 114.02M | 98.27M |
Accounts Payable | 300.74K | 308.18K | 419.85K | 851.35K | 1.4M | 858.62K | 1.03M | 1.26M | 880.59K | 1.28M |
Days Payables Outstanding | 10.16 | 5.78 | 6.89 | 12.49 | 11.04 | 5.72 | 5.88 | 7.25 | 4.89 | 4.76 |
Short-Term Debt | 0 | 0 | 0 | 346.91K | 54.76K | 56.43K | 107.27K | 147.58K | 929.12K | 756.71K |
Deferred Revenue (Current) | 0 | 20K | 123.53K | 66.57K | 1.38M | 1.55M | 1.87M | 1.92M | 2.28M | 8.45M |
Other Current Liabilities | 53.61M | 57.99M | 49.96M | 61.85M | 107.42M | 75.57M | 82.62M | 78.54M | 109.6M | 94M |
Current Ratio | 1.09x | 1.04x | 1.03x | 1.09x | 1.08x | 1.07x | 1.09x | 1.12x | 1.08x | 1.09x |
Quick Ratio | 0.81x | 0.82x | 1.03x | 1.09x | 1.07x | 1.06x | 1.09x | 1.12x | 1.08x | 1.09x |
Cash Conversion Cycle | 523.93 | 252.68 | - | 22.51 | 21.73 | 20.64 | 21.12 | 23.9 | 20.22 | 606K |
Total Non-Current Liabilities | 0 | 79.75K | 2.28M | 2.5M | 2.55M | 2.35M | 2.64M | 3.11M | 2.96M | 3.78M |
Long-Term Debt | 0 | 0 | 0 | 0 | 71.43K | 14.99K | 718.98K | 571.86K | 1.07M | 2.79M |
Capital Lease Obligations | 0 | 0 | 2.28M | 2.5M | 2.48M | 2.34M | 1.92M | 2.53M | 1.89M | 6.14M |
Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Current Liabilities | 0 | 79.75K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 988K |
Total Liabilities | 54.31M | 58.58M | 53.99M | 65.96M | 115.01M | 83.98M | 91.87M | 88.05M | 116.98M | 102.05M |
Total Debt | 0 | 0 | 2.64M | 2.84M | 3.11M | 3.03M | 3.38M | 3.87M | 3.89M | 3.55M |
Net Debt | -4.8M | -2.7M | 498.22K | -2.17M | -4.15M | -2.68M | -3.78M | -4.19M | -3.54M | -4.18M |
Debt / Equity | - | - | 0.35x | 0.17x | 0.17x | 0.22x | 0.22x | 0.20x | 0.22x | 0.20x |
Debt / EBITDA | - | - | - | - | 1.25x | - | 21.25x | 4.88x | - | -16.27x |
Net Debt / EBITDA | - | - | - | - | -1.67x | - | -23.75x | -5.28x | - | 19.17x |
Interest Coverage | - | - | - | - | -34.18x | -1283.43x | -34.10x | 13.61x | -37.39x | -24.75x |
Total Equity | 13.12M▲ 0% | 9.63M▼ 26.6% | 7.57M▼ 21.4% | 16.7M▲ 120.7% | 18.67M▲ 11.8% | 13.93M▼ 25.4% | 15.07M▲ 8.1% | 19.16M▲ 27.1% | 17.91M▼ 6.5% | 18.14M▲ 0% |
Equity Growth % | 45.63% | -26.59% | -21.44% | 120.7% | 11.77% | -25.36% | 8.14% | 27.13% | -6.5% | 6.97% |
Book Value per Share | 1.46 | 0.79 | 0.58 | 1.08 | 0.93 | 0.68 | 0.75 | 0.71 | 0.67 | 0.65 |
Total Shareholders' Equity | 13.12M | 9.63M | 7.57M | 16.7M | 18.67M | 13.93M | 15.07M | 19.16M | 17.91M | 18.14M |
Common Stock | 186.3K | 185.56K | 186.66K | 194.69K | 195.24K | 195.47K | 197.09K | 198.32K | 31.56K | 31.67K |
Retained Earnings | -53.26M | -57.04M | -62.15M | -65.06M | -65.38M | -70.86M | -71.34M | -68.03M | -70.54M | -70.42M |
Treasury Stock | -831.06K | -1.81M | -1.89M | -2.17M | -2.4M | -3.75M | -4.36M | -5.77M | -6.84M | 0 |
Accumulated OCI | -3.01M | -3.89M | 0 | -5.93M | 0 | 0 | -6.91M | 0 | -7.1M | 0 |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
USIO Cash Flow Statement
Usio, Inc. (USIO) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -110.28K | -2.76M | -3.73M | 6.29M | 29.78M | -17.04M | 3.51M | 2.9M | 1.51M | 1.09M |
Operating CF Margin % | -0.76% | -11.02% | -13.24% | 19.52% | 48.08% | -24.54% | 4.25% | 3.49% | 1.77% | - |
Operating CF Growth % | -113% | -2399.56% | -35.42% | 268.63% | 373.19% | -157.2% | 120.59% | -17.43% | -47.73% | -194.99% |
Net Income | -3.01M | -3.78M | -5.12M | -2.91M | -321.63K | -5.48M | -475.1K | 3.31M | -2.51M | -2.15M |
Depreciation & Amortization | 1.26M | 1.88M | 2.02M | 1.52M | 2.64M | 2.74M | 2.08M | 2.26M | 1.95M | 1.95T |
Stock-Based Compensation | 968.14K | 1.25M | 1.29M | 1.48M | 1.49M | 2.07M | 2.19M | 2.09M | 1.74M | 1.74T |
Deferred Taxes | 227K | 45.23K | 0 | 0 | -110K | 0 | 0 | -3.08M | 54.21K | 54.21B |
Other Non-Cash Items | 111.87K | 7.91K | 144.69K | 35.94K | 187.89K | 20.96K | -123.56K | 18.34K | -32.05K | -1.23T |
Working Capital Changes | 333.37K | -2.16M | -2.08M | 6.17M | 25.9M | -16.38M | -165.55K | -1.71M | 313.81K | -205.43K |
Change in Receivables | -133.59K | -244.68K | -59.65K | -905.9K | -2.27M | 607.85K | -1.19M | -984.11K | 1.19M | -929.17K |
Change in Inventory | -34.92K | 0 | 0 | -8.33K | -258.07K | -72.82K | 84.55K | 19.01K | -57.88K | -44.38K |
Change in Payables | 458.63K | 389.38K | 619.5K | 534.89K | 1.41M | 853.97K | 252.69K | -208.68K | -304.53K | 2M |
Cash from Investing | -1.82M | -698.11K | -647.38K | -6.76M | -1.27M | -812.24K | -834.96K | -944.38K | -1.54M | -1.84M |
Capital Expenditures | -372.34K | -703.11K | -647.38K | -855.39K | -1.27M | -812.24K | -834.96K | -991.88K | -435.01K | -435.02B |
CapEx % of Revenue | 2.56% | 2.81% | 2.3% | 2.65% | 2.06% | 1.17% | 1.01% | 1.2% | 0.51% | 489605.07% |
Acquisitions | -900K | 0 | 0 | -5.91M | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | - | - | - | - | - | - | - | - | - | - |
Other Investing | -550K | 5K | 0 | 0 | 0 | 0 | 0 | 47.5K | -1.1M | 435.01B |
Cash from Financing | 2.61M | -982.49K | 1.72M | 9.98M | 887.46K | -1.4M | 6.06M | -5.14M | 28.72M | 8.07M |
Debt Issued (Net) | 0 | 0 | 0 | 0 | 126.19K | -54.77K | -56.99K | -106.81K | 644.59K | 642.21K |
Equity Issued (Net) | 2.61M | -982.49K | 1.72M | 9.98M | 761.26K | -1.34M | -456.96K | -1.31M | -975.94K | -855.1K |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | -112.91K | -982.49K | -71.91K | -280.27K | -238.74K | -1.34M | -456.96K | -1.41M | -1.07M | -948.41K |
Other Financing | 0 | 0 | 0 | 0 | 0 | 0 | 6.57M | -3.73M | 29.05M | 8.28M |
Net Change in Cash | 679.82K▲ 0% | -4.44M▼ 752.7% | -2.66M▲ 40.1% | 9.51M▲ 457.8% | 29.4M▲ 209.2% | -19.25M▼ 165.5% | 8.73M▲ 145.4% | -3.19M▼ 136.6% | 28.7M▲ 999.1% | -989.45K▲ 0% |
Free Cash Flow | -482.61K▲ 0% | -3.46M▼ 616.8% | -4.38M▼ 26.6% | 5.44M▲ 224.2% | 28.51M▲ 424.2% | -17.85M▼ 162.6% | 2.67M▲ 115.0% | 1.9M▼ 28.7% | 1.08M▼ 43.4% | -535.95K▲ 0% |
FCF Margin % | -3.31% | -13.82% | -15.53% | 16.86% | 46.03% | -25.71% | 3.24% | 2.3% | 1.26% | -0.6% |
FCF Growth % | -169.65% | -616.84% | -26.61% | 224.18% | 424.21% | -162.6% | 114.97% | -28.75% | -43.35% | -108.15% |
FCF per Share | -0.05 | -0.29 | -0.34 | 0.35 | 1.42 | -0.88 | 0.13 | 0.07 | 0.04 | -0.02 |
FCF Conversion (FCF/Net Income) | 0.04x | 0.73x | 0.73x | -2.17x | -92.61x | 3.11x | -7.38x | 0.88x | -0.60x | 0.25x |
Interest Paid | 0 | 0 | 0 | 0 | 4.31K | 4.05K | 5.2K | 53.8K | 0 | 0 |
Taxes Paid | 45K | 49K | 82.21K | 93.53K | 116.2K | 269.5K | 116.2K | 290.14K | 0 | -438K |
USIO Key Ratios
Usio, Inc. (USIO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -27.19% | -33.18% | -59.48% | -23.95% | -1.82% | -33.64% | -3.28% | 19.32% | -13.55% | -11.73% |
Return on Invested Capital (ROIC) | -32.21% | -37.1% | -50.61% | -24.93% | -0.8% | -30.35% | -12.79% | -8.4% | -12.07% | -9.88% |
Gross Margin | 25.86% | 22.26% | 21.1% | 22.87% | 25.24% | 21.02% | 22.52% | 23.65% | 23.06% | 21.76% |
Net Margin | -20.65% | -15.09% | -18.14% | -9.01% | -0.52% | -7.9% | -0.58% | 3.99% | -2.94% | -2.43% |
Debt / Equity | - | - | 0.35x | 0.17x | 0.17x | 0.22x | 0.22x | 0.20x | 0.22x | 0.20x |
Interest Coverage | - | - | - | - | -34.18x | -1283.43x | -34.10x | 13.61x | -37.39x | -24.75x |
FCF Conversion | 0.04x | 0.73x | 0.73x | -2.17x | -92.61x | 3.11x | -7.38x | 0.88x | -0.60x | 0.25x |
Revenue Growth | 20.66% | 71.74% | 12.69% | 14.37% | 92.06% | 12.09% | 18.96% | 0.41% | 2.97% | 5.81% |
Related:USIO Dividend History·USIO Revenue History·USIO Price History·USIO P/E History·USIO Financial Ratios·USIO Institutional Holders
USIO SEC Filings & Documents
Usio, Inc. (USIO) SEC filings — annual & quarterly reports (10-K, 10-Q)
USIO Frequently Asked Questions
Usio, Inc. (USIO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Usio, Inc. (USIO) reported $88.9M in revenue for fiscal year 2025. This represents a 160170% increase from $0.1M in 1999.
Usio, Inc. (USIO) grew revenue by 3.0% over the past year. Growth has been modest.
Usio, Inc. (USIO) reported a net loss of $2.2M for fiscal year 2025.
Dividend & Returns
Usio, Inc. (USIO) has a return on equity (ROE) of -13.6%. Negative ROE indicates the company is unprofitable.
Usio, Inc. (USIO) had negative free cash flow of $0.5M in fiscal year 2025, likely due to heavy capital investments.