Usio, Inc.

Usio, Inc.

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

Income Statement (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
5
7
5
13
14
12
15
25
28
32
62
69
84
83
85
+ Sales & Services Revenue
5
7
5
13
14
12
15
25
28
32
62
69
84
83
85
- Cost of Revenue
3
4
4
9
9
8
11
19
22
25
46
55
64
63
66
+ Cost of Goods & Services
3
4
4
9
9
8
11
19
22
25
46
55
64
63
66
Gross Profit
2
3
1
4
5
4
4
6
6
7
16
15
20
20
20
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
1
2
2
2
4
5
7
9
11
11
16
20
21
21
22
+ Selling, General & Admin
- -
- -
- -
- -
1
1
1
1
1
1
1
2
2
19
20
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
1
2
1
2
3
4
6
8
10
10
14
18
18
2
2
Operating Income (Loss)
- -
1
-1
2
1
-2
-3
-4
-5
-4
- -
-5
- -
-1
-2
- Non-Operating (Income) Loss
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
- -
- -
- -
-2
- -
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
- -
- -
- -
-2
- -
Pretax Income
- -
1
-1
2
1
-1
-3
-4
-5
-3
- -
-5
- -
1
-2
- Income Tax Expense (Benefit)
- -
- -
- -
-1
- -
- -
- -
- -
- -
- -
- -
- -
- -
-3
1
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
- -
1
-1
4
1
-1
-3
-4
-5
-3
- -
-5
- -
3
-3
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
- -
1
-1
4
1
-1
-3
-4
-5
-3
- -
-5
- -
3
-3
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
- -
1
-1
4
1
-1
-3
-4
-5
-3
- -
-5
- -
3
-3
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
- -
1
-1
4
1
-1
-3
-4
-5
-3
- -
-5
- -
3
-3
EBIT
- -
1
-1
2
1
-2
-3
-4
-5
-4
- -
-5
- -
-1
-2
EBITDA
- -
1
-1
2
1
-1
-2
-2
-3
-2
2
-2
2
1
- -
EBITDA Margin (%)
7.83
19.03
-13.97
17.07
8.9
-5.96
-10.84
-7.59
-10.78
-6.94
4.02
-3.57
1.94
0.96
-0.48
EBITA
- -
1
-1
2
1
-2
-3
-4
-5
-4
- -
-5
- -
-1
-2
Gross Margin (%)
35.72
43
18.82
31.19
34.51
31.33
25.86
22.26
21.1
22.87
25.24
21.02
23.88
23.65
23.06
Operating Margin (%)
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
Profit Margin (%)
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
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
1
1
2
2
2
3
3
2
2
2
Basic Weighted Avg Shares
9
9
6
6
7
8
9
12
13
15
20
20
26
27
27
Basic EPS, GAAP
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
Basic EPS from Cont Ops
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
Diluted Weighted Avg Shares
9
9
6
9
12
8
9
12
13
15
20
20
26
27
27
Diluted EPS, GAAP
0.04
0.14
-0.12
0.41
0.08
-0.15
-0.33
-0.31
-0.39
-0.19
-0.02
-0.27
-0.02
0.12
-0.09
Diluted EPS from Cont Ops
0.04
0.14
-0.12
0.41
0.08
-0.15
-0.33
-0.31
-0.39
-0.19
-0.02
-0.27
-0.02
0.12
-0.09

Balance Sheet (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
4
4
27
56
63
65
59
61
53
69
121
87
97
95
123
+ Cash, Cash Equivalents & STI
4
4
27
3
4
4
5
2
2
5
7
6
7
8
7
+ Cash & Cash Equivalents
4
4
27
3
4
4
5
2
2
5
7
6
7
8
7
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
- -
- -
1
1
1
1
1
1
1
3
5
4
6
7
5
+ Accounts Receivable, Net
- -
- -
1
1
1
1
1
1
1
3
5
4
6
5
5
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
- -
- -
+ Other ST Assets
- -
- -
- -
52
58
60
53
57
50
61
109
77
84
80
110
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
1
1
- -
5
5
4
8
7
9
14
12
11
10
12
11
+ Property, Plant & Equip, Net
- -
- -
- -
3
3
2
2
2
4
6
6
6
6
6
7
+ Property, Plant & Equip
1
1
1
4
5
5
5
6
9
11
13
13
15
16
18
- Accumulated Depreciation
1
1
1
1
2
2
3
4
5
5
6
7
9
10
11
+ LT Investments & Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
1
1
- -
2
2
2
6
5
4
8
6
4
4
6
5
+ Total Intangible Assets
- -
- -
- -
- -
- -
- -
5
4
3
6
4
3
2
1
- -
+ Goodwill
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Intangible Assets
- -
- -
- -
- -
- -
- -
5
4
3
6
4
3
2
1
- -
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
1
1
- -
2
2
2
2
2
2
2
2
2
2
5
5
Total Assets
5
5
28
61
68
70
67
68
62
83
134
98
107
107
135
+ Payables & Accruals
4
3
27
1
1
1
1
1
1
2
3
4
4
4
3
+ Accounts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
+ Accrued Taxes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
4
3
26
1
1
- -
1
- -
1
1
1
3
3
2
2
+ ST Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
1
+ ST Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
1
+ Other ST Liabilities
- -
- -
- -
53
58
60
53
58
50
61
109
77
84
80
110
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
2
2
2
2
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
53
58
60
53
58
50
60
107
76
83
79
107
Total Current Liabilities
4
3
27
54
59
61
54
59
52
63
112
82
89
85
114
+ LT Debt
- -
- -
- -
- -
- -
- -
- -
- -
2
2
3
2
3
3
3
+ LT Borrowings
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
2
2
2
2
2
3
2
+ Other LT Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accrued Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
2
2
3
2
3
3
3
Total Liabilities
4
3
27
54
59
61
54
59
54
66
115
84
92
88
117
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
56
57
57
63
64
64
74
75
77
90
93
94
98
100
102
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
56
57
57
63
64
64
74
75
77
90
93
94
97
100
102
- Treasury Stock
- -
- -
1
- -
- -
1
1
2
2
2
2
4
4
6
7
+ Retained Earnings
-54
-53
-54
-50
-49
-50
-53
-57
-62
-65
-65
-71
-71
-68
-71
+ Other Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Equity Before Minority Interest
1
2
1
7
9
9
13
10
8
17
19
14
15
19
18
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
1
2
1
7
9
9
13
10
8
17
19
14
15
19
18
Total Liabilities & Equity
5
5
28
61
68
70
67
68
62
83
134
98
107
107
135
Shares Outstanding
10
10
9
12
12
12
16
16
17
25
25
25
26
27
28
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
3
3
3
3
3
3
3
Net Debt
-3
-4
-27
-3
-4
-4
-5
-2
-2
-5
-7
-6
-6
-7
-6
Net Debt to Equity
-552.7
-175.83
-4,159.93
-39.91
-44.54
-45.73
-36.58
-22.42
-28.24
-30
-38.19
-40.46
-42
-38.3
-33.89
Tangible Common Equity Ratio
12.45
41.48
2.32
10.89
12.9
12.75
13.46
9.23
8.31
13.92
11.2
11.87
12.66
17.19
13.27
Current Ratio
0.95
1.42
1.01
1.04
1.07
1.07
1.09
1.04
1.03
1.09
1.08
1.07
1.09
1.12
1.08
Cash Conversion Cycle
12.76
8.62
23.37
20.15
24.06
24.53
15.98
10.22
10.13
15.45
16.69
20.21
18.83
19.15
18.55

Cash Flow Statement (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
- -
1
-1
4
1
-1
-3
-4
-5
-3
- -
-5
- -
3
-3
+ Depreciation & Amortization
- -
- -
- -
- -
- -
1
1
2
2
2
3
3
2
2
2
+ Non-Cash Items
- -
- -
- -
-1
1
2
1
1
1
2
2
2
2
-1
2
+ Stock-Based Compensation
- -
- -
- -
- -
1
1
1
1
1
1
1
2
2
2
2
+ Deferred Income Taxes
- -
- -
- -
-2
- -
- -
- -
- -
- -
- -
- -
- -
- -
-3
- -
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Chg in Non-Cash Work Cap
2
-1
24
-1
-1
- -
- -
-2
-2
6
26
-16
- -
-2
- -
+ (Inc) Dec in Accts Receiv
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
-2
1
-1
-1
1
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
+ Inc (Dec) in Accts Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Other
2
-1
24
- -
- -
-1
- -
-2
-2
7
29
-17
1
- -
- -
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
2
- -
23
2
2
1
-1
-3
-4
6
30
-17
4
3
2
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
- -
- -
- -
- -
-1
- -
- -
-1
-1
-1
-1
-1
-1
- -
- -
+ Acq of Fixed Prod Assets
- -
- -
- -
- -
-1
- -
- -
-1
-1
-1
-1
-1
-1
- -
- -
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
- -
- -
- -
3
-1
2
10
1
-1
- -
-1
-1
+ Increase in Capital Stock
- -
- -
- -
- -
- -
- -
3
- -
2
10
1
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
- -
-1
- -
- -
- -
-1
- -
-1
-1
+ Net Change in LT Investment
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Dec in LT Investment
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc in LT Investment
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
- -
-1
- -
- -
-6
- -
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
- -
-1
- -
- -
-6
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
- -
- -
- -
- -
- -
- -
-1
- -
- -
- -
- -
- -
- -
-1
-1
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
- -
- -
- -
- -
-1
- -
-2
-1
-1
-7
-1
-1
-1
-1
-2
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
+ Cash From Debt
1
- -
- -
- -
- -
- -
- -
- -
- -
1
- -
- -
- -
- -
1
+ Repayments of Debt
- -
-1
- -
- -
- -
- -
- -
- -
- -
-1
- -
- -
- -
- -
- -
+ Other Financing Activities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
7
-4
29
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
- -
- -
- -
- -
- -
- -
3
-1
2
10
1
-1
6
-5
29
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
3
- -
23
2
1
- -
- -
-4
-3
10
29
-19
9
-3
29
EBITDA
- -
1
-1
2
1
-1
-2
-2
-3
-2
2
-2
2
1
- -
EBITDA Margin (%)
7.83
19.03
-13.97
17.07
8.9
-5.96
-10.84
-7.59
-10.78
-6.94
4.02
-3.57
1.94
0.96
-0.48
Free Cash Flow
2
- -
23
2
1
1
-1
-3
-4
5
29
-18
3
3
1
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
- -
1
- -
- -
6
- -
- -
- -
- -
- -
Free Cash Flow to Firm
2
- -
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow to Equity
3
- -
23
2
1
1
-1
-3
-4
5
29
-18
3
3
2
Free Cash Flow per Basic Share
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
Price/Free Cash Flow
5.64
31.29
0.33
12.23
8.3
14.44
-40.35
-9.81
-6.55
5.76
2.81
-2.07
10.49
12.68
18.79
Cash Flow to Net Income
6.83
0.37
-29.37
0.52
2.06
-0.71
0.31
0.73
0.73
-2.17
-92.61
3.11
-7.38
0.88
-0.6
Capital Expenditures
- -
- -
- -
- -
-1
- -
- -
-1
-1
-1
-1
-1
-1
- -
- -