Last 47 quarters of trend data · Financial Services · Payment Processors & Networks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -54.61 | 62.00 | 64.77 | — | — | — | — | 15.73 | 3.40 | 136.61 | — | 430.00 | — | 59.62 | 725.00 | — | — | — | — | 681.25 | 148.00 |
| — | — | — | — | — | — | — | -96.3% | — | +129.1% | — | — | — | — | — | — | — | — | — | +920.6% | — | |
| P/S Ratio | 0.88 | 0.73 | 0.31 | 0.41 | 0.45 | 0.51 | 0.44 | 0.48 | 0.44 | 0.51 | 0.55 | 0.59 | 0.42 | 0.57 | 0.54 | 0.45 | 0.40 | 0.76 | 1.00 | 1.56 | 2.33 |
| — | +43.7% | -29.6% | -14.6% | +3.5% | +0.3% | -20.0% | -18.1% | +4.0% | -11.8% | +2.6% | +29.9% | +3.8% | -24.7% | -46.3% | -70.9% | -82.7% | -71.0% | -57.8% | +9.9% | +218.6% | |
| P/B Ratio | 4.45 | 3.67 | 1.74 | 2.04 | 2.04 | 2.16 | 2.05 | 2.07 | 1.96 | 2.58 | 2.94 | 3.03 | 2.36 | 3.26 | 3.19 | 2.43 | 1.89 | 3.16 | 4.14 | 5.82 | 8.60 |
| — | +69.9% | -14.8% | -1.2% | +4.1% | -16.4% | -30.3% | -31.6% | -16.9% | -20.8% | -8.1% | +24.3% | +24.9% | +3.1% | -22.9% | -58.2% | -78.0% | -66.8% | -47.4% | +82.7% | +460.1% | |
| P/FCF | — | — | 14.41 | — | 112.11 | — | 9.16 | 0.97 | — | 111.77 | — | — | 0.65 | 0.44 | — | 1.50 | — | — | — | 1.30 | 6.54 |
| — | — | +57.4% | — | — | — | — | — | — | +25205.1% | — | — | — | — | — | +15.4% | — | — | — | -85.6% | — | |
| EV / EBITDA | 207.16 | 25.01 | 15.20 | — | — | 134.76 | 32.99 | — | 39.42 | 26.70 | — | — | — | 15.07 | 20.22 | 16.23 | — | — | — | 34.49 | 42.83 |
| — | -81.4% | -53.9% | — | — | +404.7% | — | — | — | +77.2% | — | — | — | — | — | -52.9% | — | — | — | — | — | |
| EV / EBIT | — | 35.04 | 21.64 | — | — | — | — | 8.96 | — | 56.65 | — | 105.00 | — | 41.34 | 107.11 | — | — | — | — | 4012.66 | 170.32 |
| — | — | — | — | — | — | — | -91.5% | — | +37.0% | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 23.1% | 24.2% | 19.3% | 21.9% | 23.0% | 23.4% | 21.9% | 24.6% | 23.0% | 23.9% | 20.7% | 20.5% | 22.2% | 24.2% | 22.9% | 22.0% | 19.1% | 20.1% | 19.4% | 26.2% | 25.5% |
| — | +3.2% | -11.7% | -11.1% | +0.1% | -2.0% | +5.6% | +20.2% | +3.5% | -1.2% | -9.5% | -6.9% | +16.1% | +20.3% | +18.0% | -15.9% | -25.0% | -25.8% | -10.3% | +0.7% | +20.5% | |
| Operating Margin | -2.8% | 1.6% | 0.9% | -5.7% | -2.2% | -2.0% | -1.1% | -2.9% | -1.8% | -1.0% | -4.6% | -4.0% | -3.6% | 1.1% | 0.0% | -0.5% | -10.4% | -11.5% | -8.6% | -0.0% | 1.3% |
| — | +180.0% | +181.4% | -93.0% | -24.1% | -91.1% | +76.2% | +26.4% | +50.6% | -196.7% | -16515.8% | -720.9% | +65.5% | +109.3% | +100.3% | -5893.8% | -878.4% | -620.2% | -64.1% | +99.9% | +111.9% | |
| Net Margin | -2.9% | 1.2% | 0.5% | -6.7% | -2.0% | -1.8% | -1.1% | 3.1% | 13.4% | 0.4% | -1.2% | 0.1% | -3.4% | 1.0% | 0.1% | -0.8% | -10.8% | -12.0% | -9.0% | 0.2% | 0.9% |
| — | +164.4% | +145.1% | -319.8% | -114.7% | -588.5% | +13.3% | +2184.5% | +489.2% | -60.7% | -1879.0% | +116.6% | +68.2% | +108.0% | +100.8% | -461.3% | -1309.2% | -934.3% | -67.4% | -86.3% | +107.8% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -13.6% | 1.5% | 0.7% | -8.2% | -2.2% | -1.9% | -1.2% | 3.3% | 16.5% | 0.5% | -1.6% | 0.2% | -4.8% | 1.4% | 0.1% | -1.1% | -12.0% | -11.7% | -9.0% | 0.2% | 0.8% |
| — | +178.0% | +155.2% | -347.5% | -113.5% | -499.0% | +25.3% | +1806.8% | +441.9% | -64.9% | -1678.1% | +116.0% | +59.7% | +111.9% | +101.2% | -597.5% | -1536.8% | -985.8% | -105.1% | -77.1% | +109.6% | |
| ROA | -2.1% | 0.2% | 0.1% | -1.3% | -0.4% | -0.3% | -0.2% | 0.6% | 2.6% | 0.1% | -0.2% | 0.0% | -0.6% | 0.2% | 0.0% | -0.2% | -2.0% | -2.0% | -1.3% | 0.0% | 0.2% |
| — | +168.3% | +144.3% | -325.1% | -115.7% | -563.4% | +10.8% | +2501.4% | +544.9% | -62.5% | -1647.1% | +113.8% | +71.7% | +109.7% | +101.2% | -542.7% | -1253.6% | -850.0% | -55.6% | -83.2% | +111.9% | |
| ROIC | -12.1% | 1.9% | 1.2% | -6.5% | -2.4% | -2.1% | -1.2% | -3.1% | -2.2% | -1.4% | -6.1% | -5.4% | -5.2% | 1.6% | 0.0% | -0.6% | -9.6% | -10.5% | -8.5% | -0.0% | 1.1% |
| — | +190.5% | +196.1% | -112.9% | -8.7% | -51.1% | +79.7% | +42.9% | +57.9% | -187.6% | -15055.1% | -842.6% | +45.9% | +115.0% | +100.5% | -7724.7% | -984.1% | -712.2% | -138.3% | +99.8% | +112.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.22 | 0.20 | 0.20 | 0.22 | 0.19 | 0.19 | 0.19 | 0.20 | 0.21 | 0.20 | 0.21 | 0.22 | 0.18 | 0.19 | 0.21 | 0.22 | 0.23 | 0.22 | 0.17 | 0.17 | 0.19 |
| — | +6.0% | +1.2% | +7.6% | -8.2% | -5.6% | -9.4% | -10.0% | +12.3% | +3.6% | +2.1% | +3.2% | -20.2% | -11.9% | +23.4% | +30.6% | +21.1% | +7.4% | -10.8% | -2.2% | -16.7% | |
| Debt / EBITDA | — | 5.59 | 7.86 | — | — | 51.51 | 14.32 | — | 18.75 | 9.13 | — | — | — | 3.80 | 5.76 | 6.30 | — | — | — | 4.10 | 3.83 |
| — | -89.2% | -45.1% | — | — | +464.0% | — | — | — | +140.3% | — | — | — | — | — | +53.6% | — | — | — | — | — | |
| Current Ratio | 1.08 | 1.10 | 1.09 | 1.08 | 1.13 | 1.11 | 1.12 | 1.12 | 1.10 | 1.10 | 1.11 | 1.09 | 1.07 | 1.07 | 1.09 | 1.07 | 1.07 | 1.11 | 1.09 | 1.08 | 1.11 |
| — | -1.7% | -2.2% | -3.4% | +2.2% | +0.9% | +0.8% | +2.8% | +3.6% | +2.9% | +1.6% | +1.8% | -0.7% | -3.0% | -0.1% | -0.7% | -3.1% | -0.4% | +0.8% | -1.0% | -11.0% | |
| Quick Ratio | 1.08 | 1.09 | 1.09 | 1.08 | 1.12 | 1.11 | 1.11 | 1.12 | 1.10 | 1.10 | 1.10 | 1.09 | 1.06 | 1.07 | 1.08 | 1.06 | 1.07 | 1.10 | 1.09 | 1.07 | 1.10 |
| — | -1.6% | -2.2% | -3.3% | +2.2% | +0.9% | +0.9% | +2.8% | +3.5% | +3.0% | +1.7% | +1.9% | -0.5% | -2.8% | -0.3% | -0.9% | -3.3% | -0.8% | +0.6% | -1.1% | -11.3% | |
| Interest Coverage | -37.39 | 20.63 | 13.90 | -67.89 | -29.55 | -24.38 | -13.56 | 80.71 | -18.33 | 11.21 | -12.26 | 27.55 | -1655.27 | 515.33 | 149.43 | -99.20 | -1801.51 | -1724.41 | -1274.49 | 1.51 | 143.73 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying USIO stock.
Usio, Inc.'s current P/E is -54.6x. The average P/E over the last 2 quarters is 63.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Usio, Inc.'s current operating margin is -2.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Usio, Inc.'s business trajectory between earnings reports.