Usio, Inc.

Usio, Inc.

USIO
Usio, Inc.US flagNASDAQ Global Market
1.53
USD
-0.03
- -
42.22MMarket Cap
Usio, Inc.
USIO
(NASDAQ Global Market)

Recent

price

1.53

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.32
0.55
0.83
0.8
2.07
1.95
1.54
1.62
2.06
2.18
2.09
3.09
3.41
3.17
3.09
3.17
3.27
Revenue per Share
-0.06
0.04
0.14
-0.12
0.59
0.14
-0.15
-0.33
-0.31
-0.39
-0.19
-0.02
-0.27
-0.02
0.12
-0.09
-0.08
Basic EPS, GAAP
0.05
0.27
0.04
3.58
0.3
0.18
0.09
-0.15
-0.29
-0.34
0.35
1.42
-0.88
0.1
0.1
0.04
0.01
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-6.73
-6.16
-5.97
-8.31
-7.71
-6.61
-6.39
-5.9
-4.69
-4.78
-4.2
-3.25
-3.47
-2.69
-2.53
-2.62
-2.59
Book Value per Share
-0.02
0.07
0.24
0.1
1.02
1.19
1.13
0.94
0.49
0.38
0.69
0.72
0.55
0.5
0.68
0.66
0.67
Tangible Book Value per Share
8
9
9
6
6
7
8
9
12
13
15
20
20
26
27
27
27
Basic Weighted Avg Shares
3
5
7
5
13
14
12
15
25
28
32
62
69
84
83
85
89
Sales/Revenue/Turnover
-23.28
7.75
18.94
-14.58
16.76
5.44
-13.43
-19.47
-15.08
-17.95
-11.65
-0.25
-7.51
-0.53
-1.77
-2.76
-2.13
Operating Margin (%)
- -
- -
- -
- -
- -
- -
1
1
2
2
2
3
3
2
2
2
2
Depreciation Expense
- -
- -
1
-1
4
1
-1
-3
-4
-5
-3
- -
-5
- -
3
-3
-2
Net Income, GAAP
- -
4.96
5.63
- -
- -
6.9
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
58.39
Effective Tax Rate (%)
-17.72
7.31
17.36
-15.23
28.65
7.07
-9.91
-20.65
-15.09
-18.14
-9.01
-0.52
-7.9
-0.57
3.99
-2.94
-2.43
Profit Margin (%)
-1
- -
1
- -
2
4
5
5
2
1
6
9
6
8
10
9
9
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
2
2
3
2
3
3
3
4
LT Debt
- -
1
2
1
7
9
9
13
10
8
17
19
14
15
19
18
18
Total Equity
- -
94.23
86.67
- -
- -
8.98
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
-0.65
-2.39
- -
- -
-2.06
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
3.08
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
1
1
1
LT Borrowings
1
1
1
LT Finance Leases
2
2
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
27
28
28
Market Capitalization
38
37
31

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
88
123
107
Cash, Cash Equivalents & STI
8
7
8
Accounts Receivable, Net
5
5
5
Inventories
- -
- -
- -
Total Current Liabilities
78
114
98
Payables & Accruals
3
3
5
ST Debt
1
1
1
Deferred Revenue
2
2
2

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.23%
3.04%
-6.5%
Free Cash Flow
-28.14%
17.52%
-60.05%
Net Income, GAAP
40.43%
90.56%
-176%
Sales/Revenue/Turnover
23.03%
25.37%
2.97%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
21
20
21
21
83
2025
22
20
21
22
85
2026
25
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.01
- -
0.1
0.02
0.12
2025
-0.01
-0.01
-0.02
-0.05
-0.09
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Usio, Inc. (Nasdaq: USIO) provides integrated, cloud-based electronic payment solutions and output services to merchants, billers, banks, service bureaus, integrated software vendors, lenders, SaaS providers, nonprofits, utilities, and enterprises across the United States. Founded in 1998 and headquartered in San Antonio, Texas, the company offers payment processing including credit, debit, prepaid card issuance, ACH transactions, pinless debit, real-time payments, payment facilitation (PayFac-in-a-Box), merchant acquiring, payment gateways, and embedded payments; disbursement solutions encompassing cards, wallets, banks, and checks; and output services such as electronic bill presentment, e-bill warehousing, document composition, high-volume printing, mailing, paperless billing, and QR code scanning, all secured by PCI Level 1 compliance and SOC II data protection. Usio operates primarily in the fintech sector, serving diverse industries like e-commerce, retail, healthcare, subscription services, mortgage lending, government agencies, and film/entertainment through its scalable platform and wholly-owned subsidiary for output solutions. In recent developments, Usio entered a strategic partnership with Mortgage Automator in June 2025 to integrate its payment technology—including ACH, card payments, pinless debit, and real-time disbursements—into the mortgage software platform, expanding its payment facilitation footprint in private lending. Additionally, in November 2025, Usio acquired substantially all assets of PostCredit, Co. in an all-stock transaction, adding AI-powered expense management, business banking, receipt processing, transaction matching, automated tagging, corporate cards, accounts payable/receivable, and accounting integrations like QuickBooks to create a unified platform connected to its existing payment infrastructure, with plans to broaden applications beyond the film and entertainment industry.

Company News

APIChat
  • Usio (USIO) Is Attractively Priced Despite Fast-paced Momentum

  • Usio, Inc. (USIO) Q1 2026 Earnings Call Transcript

  • Usio Inc (USIO) Reports Break-Even Earnings for Q1

  • Usio Announces First Quarter 2026 Financial Results

  • Usio Announces First Quarter Fiscal Year 2026 Results Conference Call and Company Update on May 13, 2026

  • Usio Launches New Private-Label Gift Card Platform

  • Contrasting Paysafe (NYSE:PSFE) & Usio (NASDAQ:USIO)

  • Here's What Key Metrics Tell Us About Usio (USIO) Q4 Earnings

  • Usio, Inc. (USIO) Q4 2025 Earnings Call Transcript

  • Usio Inc (USIO) Reports Q4 Loss, Misses Revenue Estimates

  • Usio Announces Fourth Quarter and Full Year Financial Results

  • Usio to Host Fourth Quarter and Fiscal Year End 2025 Conference Call to Discuss Results and Provide Company Update on March 18, 2026

  • Critical Contrast: Usio (NASDAQ:USIO) & Mercurity Fintech (NASDAQ:MFH)

  • Head-To-Head Comparison: Usio (NASDAQ:USIO) and Western Union (NYSE:WU)

  • Analyzing Medical Cannabis Payment Solutions (OTCMKTS:REFG) & Usio (NASDAQ:USIO)

  • Usio Inc. Publishes 2025 Annual Letter to Shareholders

  • Usio (NASDAQ:USIO) Trading Up 0.7% – Still a Buy?

  • Usio (NASDAQ:USIO) and Sezzle (NASDAQ:SEZL) Financial Review

  • Head to Head Review: Usio (NASDAQ:USIO) and Visa (NYSE:V)

  • Usio Acquires PostCredit Co