Saturday 17 October 2026 Export USIO’s income statement to Excel — free account

Usio Inc

Usio Inc’s revenue for fiscal 2025 (year ended December 2025) was $85.4 million, up 2.97% from fiscal 2024. In the quarter to June 2026, revenue grew 18.6%, EPS grew 171.9%, free cash flow fell 56.1% and total debt rose 93.7%, each against the same quarter a year earlier.

2.82 0.04 −1.40%

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Market cap: $81.4M
P/E: 0.0×
Fwd P/E: −151×
Dividend yield: —
F-score: 2/9
Altman Z: 0.11
Beneish M: −2.87
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.12

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	5	—	2	—	—	—	—	—	—	—

Insider Ownership 35.48%

Capital & Financial Ratios $m

Market Cap 81.36

Revenue 92.57

Net Income (1.51)

Free Cash Flow (1.14)

Net Debt (5.13)

Current Ratio 1.10

Debt/Equity 0.07

P/E ratio 0.00

Fwd P/E (151.00)

P/S ratio 0.85

P/B ratio 4.17

Past 5Y EPS Growth —

This Y EPS Growth 137.04%

Next Y EPS Growth 210.00%

Next Y revenue growth 14.56%

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years

P/S against its own 10 years 48.99%

10-year low 10-year high

P/B against its own 10 years 87.91%

10-year low 10-year high

EV/Sales against its own 10 years 60.54%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	7	8	7	6
Receivables	6	7	5	7
Inventory	0	0	0	0
Other	84	80	109	96
	97	95	123	111

	2023	2024	2025	Q'26
Payables	1	1	1	1
ST’ Debt	0	0	0	0
Other	84	80	109	96
	89	85	114	101

Compound Annual Growth %

	10y	5y	3y
Sales	19.50%	21.50%	7.14%
Cash Flow	(3.17%)	(24.80%)	0.00%
Earnings	0.00%	0.00%	0.00%
Book Value	6.99%	1.41%	8.73%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	25	24	—	—	—
’25	22	20	21	22	85
’24	21	20	21	21	83
’23	21	21	21	20	84
’22	18	16	16	19	69
’21	13	15	16	17	62
’20	8	7	8	9	32

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	1	(1)	—	—	—
’25	1	0	0	0	2
’24	0	0	1	1	3
’23	0	28	14	(38)	4
’22	(7)	(15)	(1)	6	(17)
’21	10	(8)	6	21	30
’20	(2)	18	(12)	2	6

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	(1)	—	—	—
’25	1	(1)	0	0	0
’24	0	0	1	1	2
’23	0	28	14	(38)	3
’22	(7)	(15)	(1)	6	(18)
’21	10	(8)	6	21	29
’20	(2)	18	(12)	1	5

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.00	0.01	—	—	—
’25	(0.01)	(0.01)	(0.02)	(0.05)	(0.09)
’24	(0.01)	0.00	0.10	0.02	0.12
’23	0.00	0.01	(0.03)	0.00	(0.02)
’22	(0.08)	(0.10)	(0.09)	(0.01)	(0.27)
’21	(0.04)	0.01	0.01	0.00	(0.02)
’20	(0.06)	(0.10)	(0.06)	0.01	(0.19)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	1.00	1.17	1.38	1.56	0.75	2.61	1.22	1.45	1.24	1.24	Analyst estimates 2026–2028 Powerpack
	High	3.80	4.10	3.39	3.82	3.72	8.62	4.58	2.36	2.00	2.92
People
People	Employees	21	33	43	51	89	108	117	126	111	110
	Revenue/emp, $m	0.58	0.44	0.58	0.55	0.36	0.57	0.59	0.67	0.75	0.78
Income, $m
Income, $m	Revenue	12	15	25	28	32	62	69	84	83	85
	Gross margin, %	31.33	25.86	22.26	21.10	22.87	25.24	21.02	23.88	23.65	23.06
	EBT	(1)	(3)	(4)	(5)	(3)	0	(5)	0	1	(2)
	EBT margin, %	(9.64)	(18.77)	(14.78)	(17.78)	(8.94)	(0.25)	(7.49)	(0.22)	0.82	(2.34)
	Net income	(1)	(3)	(4)	(5)	(3)	0	(5)	0	3	(3)
	Depreciation	1	1	2	2	2	3	3	2	2	2
Per share, $
Per share, $	Revenue	1.54	1.62	2.06	2.18	2.09	3.09	3.41	3.17	3.09	3.17
	Earnings	(0.15)	(0.33)	(0.31)	(0.39)	(0.19)	(0.02)	(0.27)	(0.02)	0.12	(0.09)
	Cash flow	0.11	(0.10)	(0.23)	(0.29)	0.41	1.49	(0.84)	0.13	0.11	0.06
	Capex	(0.02)	(0.04)	(0.06)	(0.05)	(0.06)	(0.06)	(0.04)	(0.03)	(0.04)	(0.06)
	Free cash flow	0.09	(0.15)	(0.29)	(0.34)	0.35	1.42	(0.88)	0.10	0.07	0.00
	Book value	1.15	1.46	0.79	0.58	1.08	0.93	0.68	0.57	0.71	0.67
	Shares, m	8	9	12	13	15	20	20	26	27	27
Valuation, ×
Valuation, ×	P/E	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	12.94	0.00
	P/S	1.19	1.58	0.80	0.72	1.28	1.41	0.49	0.55	0.47	0.43
	P/B	1.60	1.75	2.09	2.67	2.47	4.68	2.44	3.08	2.05	2.04
	EV/Sales	(0.46)	1.25	0.72	0.73	1.21	1.29	0.41	0.48	0.38	0.36
	EV/FCF	(7.94)	(13.93)	(5.20)	(4.73)	7.18	2.81	(1.59)	14.98	16.33	(1,294.51)
Cash, $m
Cash, $m	Operating cash flow	1	(1)	(3)	(4)	6	30	(17)	4	3	2
	Capex	0	0	(1)	(1)	(1)	(1)	(1)	(1)	(1)	(2)
	Free cash flow	1	(1)	(3)	(4)	5	29	(18)	3	2	0
Balance, $m
Balance, $m	Working capital	5	5	2	1	6	9	6	8	10	9
	Total debt	—	—	—	3	3	0	0	1	1	1
	Net debt	(20)	(5)	(2)	0	(2)	(7)	(6)	(6)	(7)	(6)
	Shareholders’ equity	9	13	10	8	17	19	14	15	19	18
Returns, %
Returns, %	ROA	(1.74)	(4.39)	(5.57)	(7.88)	(4.03)	(0.30)	(4.74)	(0.46)	3.09	(2.08)
	ROIC	0.00	(21.30)	(31.56)	(39.23)	(16.15)	(0.84)	(39.28)	(3.20)	(7.77)	(12.45)
	ROE	(13.20)	(27.19)	(33.18)	(59.48)	(23.95)	(1.82)	(33.64)	(3.28)	19.32	(13.55)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
AGPU Axe Compute Inc.	$97.5M	— (loss-making)	13.9×	+118,974.07% (above 0%: growing)	n/m	+221.90% (above 0%: growing)	6.27%	(538.97%)	Compare
DAVA Endava PLC Sponsored ADR	$87.9M	— (loss-making)	— (loss-making)	+17.21% (above 0%: growing)	n/m	−136.07% (below 0%: shrinking)	18.60%	(207.59%)	Compare
USIO Usio Inc	$81.4M	— (loss-making)	— (loss-making)	+18.62% (above 0%: growing)	n/m	−56.12% (below 0%: shrinking)	24.18%	1.59%
VIVO Vivopower International Plc	$75.4M	— (loss-making)	— (loss-making)	−64.36% (below 0%: shrinking)	−30.77% (below 0%: shrinking)	−632.75% (below 0%: shrinking)	7.63%	0.00%	Compare
AISP Airship AI Holdings, Inc.	$72.7M	2.5×	— (loss-making)	+92.08% (above 0%: growing)	n/m	+87.08% (above 0%: growing)	75.12%	(36.15%)	Compare
ATGL Alpha Technology Group Limited	$72.4M	—	—	—	—	—	—	—	Compare
FATN FatPipe, Inc.	$70.5M	12.6×	15.5×	+27.84% (above 0%: growing)	+80.00% (above 0%: growing)	−24.05% (below 0%: shrinking)	92.25%	17.92%	Compare
VERI Veritone, Inc.	$67.5M	— (loss-making)	— (loss-making)	+4.61% (above 0%: growing)	n/m	−31.94% (below 0%: shrinking)	63.70%	(91.23%)	Compare
AILEQ iLearningEngines, Inc.	$59.3M	— (loss-making)	—	—	n/m	−56.61% (below 0%: shrinking)	69.13%	(62.87%)	Compare
Median of peers	$72.5M	—	—	+22.53%	—	−31.94%	63.70%	(62.87%)

All 173 Software Infrastructure stocks →

Usio Inc (USIO) key facts

Strength: Usio Inc’s revenue for fiscal 2025 (year ended December 2025) was $85.4 million, up 2.97% from fiscal 2024.
Usio Inc (USIO) is a Software Infrastructure company in the Technology sector, listed on Nasdaq.
As of October 16, 2026, USIO traded at $2.82, a market capitalization of $81.4 million.
Return on equity was −13.6% and debt-to-equity 0.07.
Its Piotroski F-score is 2 out of 9 and its Altman Z-score is 0.11 (distress zone) for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.