USIO

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Usio, Inc.

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Key Metrics

Previous Close: $2.56
52-Week Range: $1.03 – $2.98
Market Cap: $75.80M
P/E (TTM): —
EPS (TTM): -0.06
Dividend Yield: —

Advanced Metrics

Price/Book: 4.05
PEG Ratio: 0.95
Return on Equity: -8.04%
Return on Assets: -0.60%
Gross Margin: 22.26%
Operating Margin: 1.59%
Profit Margin: -1.63%
Current Ratio: 1.10
Debt/Equity: 0.25
Total Debt: $4.61M
Free Cash Flow: $-559.65K
Revenue Growth: 18.60%
Earnings Growth: —
Enterprise Value: $74.03M

USIO Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$69.43M	$84.07M	$82.93M	$85.39M
Cost of Revenue	$54.84M	$63.99M	$63.32M	$65.70M
Gross Profit	$14.59M	$20.07M	$19.61M	$19.69M
Selling, General & Admin	$2.07M	$2.22M	$18.82M	$20.11M
Operating Expenses	$19.81M	$20.52M	$21.08M	$22.05M
Operating Income	-$5.21M	-$447.36K	-$1.47M	-$2.36M
EBITDA	-$2.46M	$1.90M	$3.00M	-$1.22K
Pretax Income	-$5.20M	-$182.58K	$678.28K	-$2.00M
Income Tax	$280.00K	$292.52K	-$2.63M	$512.81K
Net Income	-$5.48M	-$475.10K	$3.31M	-$2.51M
Diluted EPS	-0.27	-0.02	0.12	-0.09
Diluted Shares	20.38M	26.49M	26.85M	26.93M

USIO Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$5.71M	$7.16M	$8.06M	$7.43M
Receivables	$4.37M	$5.56M	$6.55M	$5.27M
Inventory	$507.36K	$422.81K	$403.80K	$461.68K
Current Assets	$87.41M	$97.24M	$95.16M	$123.41M
Total Assets	$97.91M	$106.93M	$107.21M	$134.89M
Current Liabilities	$81.62M	$89.23M	$84.95M	$114.02M
Long-Term Debt	$14.99K	$718.98K	$571.86K	$1.07M
Total Debt	$3.03M	$3.38M	$3.87M	$3.89M
Total Liabilities	$83.98M	$91.87M	$88.05M	$116.98M
Retained Earnings	-$70.86M	-$71.34M	-$68.03M	-$70.54M
Shareholders' Equity	$13.93M	$15.07M	$19.16M	$17.91M
Working Capital	$5.79M	$8.01M	$10.21M	$9.39M

USIO Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	-$17.04M	$3.51M	$2.90M	$1.51M
Capital Expenditure	-$812.24K	-$834.96K	-$991.88K	-$1.54M
Free Cash Flow	-$17.85M	$2.67M	$1.90M	-$23.63K
Depreciation & Amortisation	$2.74M	$2.08M	$2.26M	$1.95M
Stock-Based Compensation	$2.07M	$2.19M	$2.09M	$1.74M
Investing Cash Flow	-$812.24K	-$834.96K	-$944.38K	-$1.54M
Financing Cash Flow	-$1.40M	$6.06M	-$5.14M	$28.72M
Share Repurchases	-$1.34M	-$456.96K	-$1.41M	-$1.07M
Net Change in Cash	-$19.25M	$8.73M	-$3.19M	$28.70M

USIO Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$22.01M	$19.96M	$21.18M	$22.24M	$25.47M
Cost of Revenue	$17.20M	$14.82M	$16.31M	$17.37M	$20.33M
Gross Profit	$4.81M	$5.14M	$4.87M	$4.87M	$5.14M
Selling, General & Admin	$4.55M	$5.07M	$4.90M	$5.58M	$4.69M
Operating Expenses	$5.05M	$5.54M	$5.33M	$6.13M	$4.91M
Operating Income	-$239.58K	-$396.97K	-$464.17K	-$1.26M	$225.71K
EBITDA	$335.20K	$178.54K	$98.12K	-$613.08K	$542.95K
Pretax Income	-$172.42K	-$297.80K	-$346.05K	-$1.18M	$294.38K
Income Tax	$62.55K	$68.86K	$69.04K	$312.36K	$171.87K
Net Income	-$234.97K	-$366.65K	-$415.09K	-$1.50M	$122.50K
Diluted EPS	-0.01	-0.01	-0.02	-0.05	0.00
Diluted Shares	26.62M	26.46M	26.89M	27.48M	27.75M

USIO Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$8.72M	$7.51M	$7.75M	$7.43M	$7.73M
Receivables	$4.57M	$4.89M	$5.21M	$5.27M	$5.42M
Inventory	$348.49K	$380.46K	$337.69K	$461.68K	$392.87K
Current Assets	$97.90M	$96.82M	$88.07M	$123.41M	$107.29M
Total Assets	$109.62M	$108.35M	$99.40M	$134.89M	$120.19M
Current Liabilities	$87.73M	$86.92M	$78.07M	$114.02M	$98.27M
Long-Term Debt	$533.25K	$495.43K	$594.72K	$1.07M	$988.00K
Total Debt	$3.67M	$3.48M	$3.52M	$3.89M	$4.87M
Total Liabilities	$90.63M	$89.62M	$80.71M	$116.98M	$102.05M
Retained Earnings	-$68.27M	-$68.63M	-$69.05M	-$70.54M	-$70.42M
Shareholders' Equity	$18.99M	$18.73M	$18.69M	$17.91M	$18.14M
Working Capital	$10.17M	$9.91M	$10.00M	$9.39M	$9.02M

USIO Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$1.37M	-$263.88K	$303.83K	$99.60K	$946.72K
Capital Expenditure	-$313.25K	-$433.91K	-$391.80K	-$398.42K	-$613.60K
Free Cash Flow	$1.06M	-$697.80K	-$87.97K	-$298.82K	$333.12K
Depreciation & Amortisation	$495.77K	$464.60K	$432.85K	$553.01K	$225.75K
Stock-Based Compensation	$410.06K	$434.25K	$399.58K	$499.99K	$329.28K
Investing Cash Flow	-$313.25K	-$433.91K	-$391.80K	-$398.42K	-$613.60K
Financing Cash Flow	$3.58M	-$1.11M	-$8.98M	$35.23M	-$17.07M
Share Repurchases	-$351.64K	-$356.66K	-$57.59K	-$300.70K	-$233.46K
Net Change in Cash	$4.64M	-$1.81M	-$9.06M	$34.93M	-$16.74M

Market Snapshot

About

Usio Inc. is a fintech company providing integrated electronic payment processing services to merchants, billers, and businesses. The company offers payment acceptance solutions including credit and debit card processing, ACH payments, and prepaid card programs. Usio serves a diverse customer base across various industries with a focus on secure and efficient payment technology.