USIO

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Usio, Inc.

Regulated industry Sells to businessesTags from an AI model reading the company description.

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Key Metrics

Previous Close: $2.82
52-Week Range: $1.03 – $3.06
Market Cap: $83.49M
P/E (TTM): —
EPS (TTM): -0.06
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 4.45
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: $81.72M

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	Q2 2026
Revenue	$22.01M	$19.96M	$21.18M	$22.24M	$25.47M	$23.68M
Cost of Revenue	$17.20M	$14.82M	$16.31M	$17.37M	$20.33M	$17.95M
Gross Profit	$4.81M	$5.14M	$4.87M	$4.87M	$5.14M	$5.73M
Selling, General & Admin	$4.55M	$5.07M	$4.90M	$5.58M	$4.69M	$5.06M
Operating Expenses	$5.05M	$5.54M	$5.33M	$6.13M	$4.91M	$5.35M
Operating Income	-$239.58K	-$396.97K	-$464.17K	-$1.26M	$225.71K	$376.91K
EBITDA	$335.20K	$178.54K	$98.12K	-$613.08K	$542.95K	$759.13K
Pretax Income	-$172.42K	-$297.80K	-$346.05K	-$1.18M	$294.38K	$450.18K
Income Tax	$62.55K	$68.86K	$69.04K	$312.36K	$171.87K	$170.10K
Net Income	-$234.97K	-$366.65K	-$415.09K	-$1.50M	$122.50K	$280.08K
Diluted EPS	-0.01	-0.01	-0.02	-0.05	0.00	0.01
Diluted Shares	26.62M	26.46M	26.89M	27.48M	27.75M	27.82M

USIO Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$8.72M	$7.51M	$7.75M	$7.43M	$7.73M	$6.39M
Receivables	$4.57M	$4.89M	$5.21M	$5.27M	$5.42M	$6.53M
Inventory	$348.49K	$380.46K	$337.69K	$461.68K	$392.87K	$392.11K
Current Assets	$97.90M	$96.82M	$88.07M	$123.41M	$107.29M	$111.17M
Total Assets	$109.62M	$108.35M	$99.40M	$134.89M	$120.19M	$123.79M
Current Liabilities	$87.73M	$86.92M	$78.07M	$114.02M	$98.27M	$101.47M
Long-Term Debt	$533.25K	$495.43K	$594.72K	$1.07M	$988.00K	$910.31K
Total Debt	$3.67M	$3.48M	$3.52M	$3.89M	$4.87M	$4.61M
Total Liabilities	$90.63M	$89.62M	$80.71M	$116.98M	$102.05M	$104.99M
Retained Earnings	-$68.27M	-$68.63M	-$69.05M	-$70.54M	-$70.42M	-$70.14M
Shareholders' Equity	$18.99M	$18.73M	$18.69M	$17.91M	$18.14M	$18.79M
Working Capital	$10.17M	$9.91M	$10.00M	$9.39M	$9.02M	$9.70M

USIO Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$1.37M	-$263.88K	$303.83K	$99.60K	$946.72K	-$694.12K
Capital Expenditure	-$313.25K	-$433.91K	-$391.80K	-$398.42K	-$613.60K	-$395.31K
Free Cash Flow	$1.06M	-$697.80K	-$87.97K	-$298.82K	$333.12K	-$1.09M
Depreciation & Amortisation	$495.77K	$464.60K	$432.85K	$553.01K	$225.75K	$286.02K
Stock-Based Compensation	$410.06K	$434.25K	$399.58K	$499.99K	$329.28K	$482.51K
Investing Cash Flow	-$313.25K	-$433.91K	-$391.80K	-$398.42K	-$613.60K	-$395.31K
Financing Cash Flow	$3.58M	-$1.11M	-$8.98M	$35.23M	-$17.07M	$3.94M
Share Repurchases	-$351.64K	-$356.66K	-$57.59K	-$300.70K	-$233.46K	-$137.47K
Net Change in Cash	$4.64M	-$1.81M	-$9.06M	$34.93M	-$16.74M	$2.85M

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.