Usio, Inc. (USIO) Financial Ratios
27 years of historical data (1999–2025) · Technology · Information Technology Services
EV/EBITDA
↑
N/A
—
5yr avg: 90.43
30Y Low10.0·High44.2
P/FCF
↑
45.79
↑+160% vs avg
5yr avg: 17.63
30Y Low0.3·High46.7
P/B Ratio
↓
2.69
-0% vs avg
5yr avg: 2.70
30Y Low1.6·High22.2
ROE
↓
-13.6%
↑-106% vs avg
5yr avg: -6.6%
30Y Low-233%·High228%
Debt/EBITDA
↑
N/A
—
5yr avg: 9.12
30Y Low0.8·High21.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
USIO Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Usio, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 45.8x P/FCF, 160% above the 5-year average of 17.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $49M | $37M | $39M | $35M | $34M | $87M | $41M | $20M | $20M | $23M | $15M |
| Enterprise Value | $46M | $33M | $35M | $31M | $31M | $83M | $39M | $21M | $17M | $18M | $10M |
| P/E Ratio → | -19.19 | — | 12.17 | — | — | — | — | — | — | — | — |
| P/S Ratio | 0.58 | 0.43 | 0.47 | 0.42 | 0.48 | 1.41 | 1.28 | 0.72 | 0.80 | 1.56 | 1.20 |
| P/B Ratio | 2.69 | 2.04 | 2.05 | 2.29 | 2.41 | 4.68 | 2.47 | 2.67 | 2.09 | 1.73 | 1.61 |
| P/FCF | 45.79 | 33.95 | 20.59 | 12.94 | — | 3.06 | 7.57 | — | — | — | 20.93 |
| P/OCF | 32.63 | 24.19 | 13.54 | 9.86 | — | 2.93 | 6.54 | — | — | — | 17.09 |
P/E links to full P/E history page with 30-year chart
USIO EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.39 | 0.42 | 0.37 | 0.45 | 1.34 | 1.21 | 0.73 | 0.70 | 1.23 | 0.86 |
| EV / EBITDA | — | — | 44.16 | 193.71 | — | 33.43 | — | — | — | — | — |
| EV / EBIT | — | — | 47.83 | — | — | — | — | — | — | — | — |
| EV / FCF | — | 30.66 | 18.39 | 11.53 | — | 2.92 | 7.18 | — | — | — | 14.98 |
USIO Profitability
Margins and return-on-capital ratios measuring operating efficiency
Usio, Inc. earns an operating margin of -2.8%. A negative ROE of -13.6% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 23.1% | 23.1% | 23.7% | 22.5% | 21.0% | 25.2% | 22.9% | 21.1% | 22.3% | 25.9% | 31.3% |
| Operating Margin | -2.8% | -2.8% | -1.8% | -2.3% | -7.5% | -0.3% | -11.6% | -18.0% | -15.1% | -19.5% | -11.3% |
| Net Profit Margin | -2.9% | -2.9% | 4.0% | -0.6% | -7.9% | -0.5% | -9.0% | -18.1% | -15.1% | -20.6% | -9.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -13.6% | -13.6% | 19.3% | -3.3% | -33.6% | -1.8% | -23.9% | -59.5% | -33.2% | -27.2% | -13.2% |
| ROA | -2.1% | -2.1% | 3.1% | -0.5% | -4.7% | -0.3% | -4.0% | -7.9% | -5.6% | -4.4% | -1.7% |
| ROIC | -12.1% | -12.1% | -8.4% | -12.8% | -30.3% | -0.8% | -24.9% | -50.6% | -37.1% | -32.2% | -20.5% |
| ROCE | -10.9% | -10.9% | -7.4% | -11.3% | -27.8% | -0.8% | -25.9% | -51.8% | -33.1% | -25.6% | -15.0% |
USIO Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $7M exceeds total debt of $4M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.22 | 0.20 | 0.22 | 0.22 | 0.17 | 0.17 | 0.35 | — | — | — |
| Debt / EBITDA | — | — | 4.88 | 21.25 | — | 1.25 | — | — | — | — | — |
| Net Debt / Equity | — | -0.20 | -0.22 | -0.25 | -0.19 | -0.22 | -0.13 | 0.07 | -0.28 | -0.37 | -0.46 |
| Net Debt / EBITDA | — | — | -5.28 | -23.75 | — | -1.67 | — | — | — | — | — |
| Debt / FCF | — | -3.29 | -2.20 | -1.41 | — | -0.15 | -0.40 | — | — | — | -5.95 |
| Interest Coverage | -37.39 | -37.39 | 13.61 | -34.10 | -1283.43 | -34.18 | — | — | — | — | — |
Net cash position: cash ($7M) exceeds total debt ($4M)
USIO Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.08x means Usio, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.08 | 1.08 | 1.12 | 1.09 | 1.07 | 1.08 | 1.09 | 1.03 | 1.04 | 1.09 | 1.07 |
| Quick Ratio | 1.08 | 1.08 | 1.12 | 1.09 | 1.06 | 1.07 | 1.09 | 1.03 | 0.82 | 0.81 | 0.81 |
| Cash Ratio | 0.07 | 0.07 | 0.09 | 0.08 | 0.07 | 0.06 | 0.08 | 0.04 | 0.05 | 0.09 | 0.07 |
| Asset Turnover | — | 0.63 | 0.77 | 0.77 | 0.71 | 0.46 | 0.39 | 0.46 | 0.37 | 0.22 | 0.17 |
| Inventory Turnover | 142.31 | 142.31 | 156.81 | 151.35 | 108.08 | 106.57 | 140.97 | — | 1.53 | 0.72 | 0.52 |
| Days Sales Outstanding | — | 22.55 | 28.82 | 24.59 | 22.98 | 29.34 | 32.41 | 16.49 | 19.30 | 28.05 | 33.48 |
USIO Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Usio, Inc. returns 2.2% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 8.2% | — | — | — | — | — | — | — | — |
| FCF Yield | 2.2% | 2.9% | 4.9% | 7.7% | — | 32.7% | 13.2% | — | — | — | 4.8% |
| Buyback Yield | 2.2% | 2.9% | 3.6% | 1.3% | 4.0% | 0.3% | 0.7% | 0.4% | 4.9% | 0.5% | 3.0% |
| Total Shareholder Yield | 2.2% | 2.9% | 3.6% | 1.3% | 4.0% | 0.3% | 0.7% | 0.4% | 4.9% | 0.5% | 3.0% |
| Shares Outstanding | — | $27M | $27M | $20M | $20M | $20M | $15M | $13M | $12M | $9M | $8M |
Peer Comparison
Compare USIO with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 USIOYou | $49M | -19.2 | — | 45.8 | 23.1% | -2.8% | -13.6% | -12.1% | — |
 PRTH | $582M | 10.4 | 7.6 | 7.8 | 21.4% | 14.8% | — | 13.4% | 5.1 |
 RPAY | $280M | -1.1 | 6.7 | 3.1 | 75.0% | -3.9% | -40.9% | -1.0% | 4.9 |
 EVTC | $2B | 11.5 | 7.7 | 11.5 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 FLYW | $2B | 140.3 | 40.5 | 18.6 | 61.4% | 1.8% | 1.6% | 2.1% | — |
 FOUR | $3B | 35.7 | 8.1 | 5.3 | 34.2% | 8.4% | 8.0% | 6.3% | 5.9 |
 IIIV | $440M | 35.5 | 11.9 | 117.2 | 55.7% | 1.9% | 3.5% | 0.6% | 0.2 |
 CASS | $637M | 18.9 | 6.4 | 20.0 | 100.0% | 20.3% | 14.9% | — | 0.1 |
 V | $627B | 32.0 | 25.0 | 29.0 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $429B | 29.3 | 21.3 | 25.3 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 FIS | $19B | 50.3 | 6.3 | 6.9 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Technology Median | — | 28.3 | 16.6 | 18.8 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 27 years · Updated daily
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USIO — Frequently Asked Questions
Quick answers to the most common questions about buying USIO stock.
What is Usio, Inc.'s P/E ratio?
Usio, Inc.'s current P/E ratio is -19.2x. The historical average is 17.2x.
What is Usio, Inc.'s ROE?
Usio, Inc.'s return on equity (ROE) is -13.6%. The historical average is -14.0%.
Is USIO stock overvalued?
Based on historical data, Usio, Inc. is trading at a P/E of -19.2x. Compare with industry peers and growth rates for a complete picture.
What are Usio, Inc.'s profit margins?
Usio, Inc. has 23.1% gross margin and -2.8% operating margin.