Usio Inc USIO

2.33 0.05 2.19% as of 25 Sep
Market cap
$65.0M
P/E
0.0×

Insider Decisions

Total sells 0.12
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — 5 — 2 — — — — — —
Insider Ownership 35.48%

Capital & Financial Ratios

Market Cap 64.97
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
P/S ratio 0.70
P/B ratio 3.45
Past 5Y EPS Growth 40.30%
This Y EPS Growth 137.04%
Next Y EPS Growth 210.00%
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

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

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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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
in millions of $ · 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

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
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
Low Price
3.80 4.10 3.39 3.82 3.72 8.62 4.58 2.36 2.00 2.92
High Price
21 33 43 51 89 108 117 126 111 110
Employees
1 0 1 1 0 1 1 1 1 1
Revenue/Emp
12 15 25 28 32 62 69 84 83 85
Revenue
31.33% 25.86% 22.26% 21.10% 22.87% 25.24% 21.02% 23.88% 23.65% 23.06%
Gross Margin
(1) (3) (4) (5) (3) 0 (5) 0 1 (2)
EBT
(9.64%) (18.77%) (14.78%) (17.78%) (8.94%) (0.25%) (7.49%) (0.22%) 0.82% (2.34%)
EBT Margin
(1) (3) (4) (5) (3) 0 (5) 0 3 (3)
Net Income
1 1 2 2 2 3 3 2 2 2
Depreciation
1.54 1.62 2.06 2.18 2.09 3.09 3.41 3.17 3.09 3.17
Revenue/Sh
(0.15) (0.33) (0.31) (0.39) (0.19) (0.02) (0.27) (0.02) 0.12 (0.09)
Earnings/Sh
0.11 (0.10) (0.23) (0.29) 0.41 1.49 (0.84) 0.13 0.11 0.06
Cash Flow/Sh
(0.02) (0.04) (0.06) (0.05) (0.06) (0.06) (0.04) (0.03) (0.04) (0.06)
Capex/Sh
0.09 (0.15) (0.29) (0.34) 0.35 1.42 (0.88) 0.10 0.07 0.00
Free CF/Sh
1.15 1.46 0.79 0.58 1.08 0.93 0.68 0.57 0.71 0.67
Book Value/Sh
8 9 12 13 15 20 20 26 27 27
Shares
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12.94 0.00
PE Ratio
1.19 1.58 0.80 0.72 1.28 1.41 0.49 0.55 0.47 0.43
PS Ratio
1.60 1.75 2.09 2.67 2.47 4.68 2.44 3.08 2.05 2.04
PB Ratio
(0.46) 1.25 0.72 0.73 1.21 1.29 0.41 0.48 0.38 0.36
EV/Sales
(7.94) (13.93) (5.20) (4.73) 7.18 2.81 (1.59) 14.98 16.33 (1,294.51)
EV/FCF
1 (1) (3) (4) 6 30 (17) 4 3 2
Op' Cash Flow
0 0 (1) (1) (1) (1) (1) (1) (1) (2)
Capex
1 (1) (3) (4) 5 29 (18) 3 2 0
FCF
5 5 2 1 6 9 6 8 10 9
Working Cap'
— — — 3 3 0 0 1 1 1
Total Debt
(20) (5) (2) 0 (2) (7) (6) (6) (7) (6)
Net Debt
9 13 10 8 17 19 14 15 19 18
Sh' Equity
(1.74%) (4.39%) (5.57%) (7.88%) (4.03%) (0.30%) (4.74%) (0.46%) 3.09% (2.08%)
ROA
0.00% (21.30%) (31.56%) (39.23%) (16.15%) (0.84%) (39.28%) (3.20%) (7.77%) (12.45%)
ROIC
(13.20%) (27.19%) (33.18%) (59.48%) (23.95%) (1.82%) (33.64%) (3.28%) 19.32% (13.55%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Usio Inc peers in Software Infrastructure

All 173 Software Infrastructure stocks →

Usio Inc (USIO) key facts

  • Usio Inc (USIO) is a Software Infrastructure company in the Technology sector, listed on Nasdaq.
  • Usio Inc’s revenue for fiscal 2025 (year ended December 2025) was $85.4 million, up 2.97% from fiscal 2024.
  • Usio Inc reported a net loss of $2.5 million, or a loss of $0.09 per share, for fiscal 2025.
  • As of September 25, 2026, USIO traded at $2.33, a market capitalization of $65.0 million.
  • Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 0.7× sales.
  • Return on equity was −13.6% and debt-to-equity 0.07.

Source: company filings (standardised) and stockrow calculations.

Usio Inc (USIO) Latest News

News by impact score

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19 Aug

4

Usio Inc rolls out Usio One strategy to expand across payments, card issuing and document delivery services. New Usio One strategy directly targets expansion in core payments, card issuing and document delivery operations.

3

Usio Inc. has been awarded the Great Place To Work Certification™ for 2025/2026, recognizing its commitment to fostering a positive workplace culture and employee satisfaction. This certification reflects the company's efforts in creating an environment where employees feel valued and engaged. Recognition as a great workplace can enhance employee morale and retention, positively influencing overall performance.

13 Aug

4

Usio Inc reported Q2 2026 revenue growth accelerating to 19% during its earnings call and issued updated guidance. 19% revenue acceleration plus guidance directly signals material effects on valuation and investor positioning.

3 transcript

Usio Inc held its Q2 2026 earnings call, reporting financial results, operational metrics, and management outlook on business performance and strategy. Quarterly earnings and guidance directly shape near-term investor sentiment and valuation for the company.

12 Aug

3

Usio Inc reported Q2 results during its earnings call, covering financial metrics, operational updates and forward outlook. Q2 earnings updates typically influence near-term sentiment and valuation without altering long-term strategy.

3

Usio Inc reported Q2 earnings and revenues that exceeded estimates. Q2 earnings and revenue beats typically drive short-term positive stock movement without altering long-term fundamentals.

3

Usio Inc (USIO) announced its second quarter 2026 financial results. Quarterly financial results announcements typically provide moderate insight into company performance and may influence short-term investor sentiment.

18 May

3

Usio Inc posted record Q1 2026 revenue with strong growth reported across all business segments. Record revenue and broad segment growth point to improved financial results that can lift near-term investor sentiment.

14 May

4

Usio, Inc. reported record first-quarter revenues of $22.0 million for Q1 2025, a 5% increase from the previous year, driven by strong growth in ACH and complementary services. Total payment dollars processed rose 34% year-over-year, with ACH transactions up 36% and credit card revenues increasing by 4%. The company achieved positive Adjusted EBITDA of $0.7 million and added $0.7 million in cash to its balance sheet. Despite a net loss of $0.2 million, Usio's operational performance improved, and management expressed confidence in future growth from a strong pipeline of signed contracts. Operating cash flows were $1.4 million, significantly higher than the previous year. Significant revenue growth and positive cash flow indicate a strong operational performance and potential for future expansion.

3 transcript

Usio Inc held its Q1 2026 earnings call covering quarterly financial results and operational updates. Quarterly earnings calls deliver financial metrics that shape near-term investor views and stock movement.

13 May

4

Usio Inc. announced first quarter 2026 financial results. Quarterly earnings announcements significantly influence financial performance, investor sentiment, and stock trajectory.

28 Apr

4

Usio Inc launches new private-label gift card platform to expand payment solutions for retailers and brands. New private-label gift card platform launch is a major strategic product expansion enhancing Usio's revenue potential and competitive edge in payments.

18 Mar

4

Usio Inc reported record growth in Q4 2025 earnings call while highlighting strategic challenges. Record growth drives positive momentum, but strategic challenges signal potential shifts in trajectory and investor sentiment.

3

Key metrics from Usio Inc (USIO) Q4 earnings reveal insights into revenue growth, profitability, and operational efficiency, signaling the company's financial health. Q4 earnings metrics analysis influences financial performance perceptions and short-to-medium term market sentiment.

3

Usio Inc (USIO) reported a Q4 loss and missed revenue estimates. Q4 loss and revenue miss moderately impacts financial performance and market sentiment.

3

Usio Inc announced fourth quarter and full-year financial results. Quarterly and annual financial results directly affect financial performance and investor sentiment.

21 Jan

3

Usio Inc. has published its 2025 Annual Letter to Shareholders, outlining the company's performance, strategic initiatives, and future outlook. The letter highlights key achievements and sets forth goals aimed at enhancing shareholder value and driving growth in the coming years. The annual letter indicates strategic initiatives that may moderately influence the company's future performance and market positioning.

25 Nov

4

Usio Inc has acquired PostCredit Co, a move aimed at enhancing its payment processing capabilities. This acquisition is expected to strengthen Usio's position in the market by integrating PostCredit's technology and services, which focus on post-payment solutions. The deal aligns with Usio's strategy to expand its offerings and improve customer experience in the financial technology sector. The acquisition is a significant strategic move that could enhance Usio's competitive position and market offerings.

16 Nov

4 transcript

Usio Inc (USIO) reported record processing volumes in its Q3 2025 earnings call, highlighting strategic initiatives aimed at enhancing operational efficiency and market reach. The company emphasized its commitment to innovation and customer service, which contributed to its strong performance. Management provided insights into future growth opportunities and ongoing projects that are expected to drive further success. Record processing volumes and strategic initiatives indicate significant potential for future growth and market performance.

12 Nov

4

Usio Inc (USIO) reported its Q3 earnings, revealing key metrics that compared favorably against analysts' estimates. The company showed growth in revenue and improved operational efficiency, contributing to a positive outlook for future performance. Analysts noted the significance of these results in the context of the company's strategic initiatives and market positioning. The positive earnings report indicates significant growth potential and strategic positioning that could influence investor sentiment and future performance.

4

Usio Inc. reported its financial results for the third quarter of 2025, highlighting significant growth in revenue and improvements in operational efficiency. The company attributed its success to increased demand for its payment processing solutions and strategic partnerships. Usio's management expressed optimism about future growth prospects and plans to expand its service offerings. The results reflect a positive trend in the company's performance, positioning it favorably in the competitive landscape. The reported financial growth and strategic plans indicate a significant impact on Usio's future performance and market positioning.

3

Usio Inc (USIO) reported a loss for Q3, falling short of revenue estimates. The company's financial performance has raised concerns among investors, as it struggles to meet market expectations. This disappointing report may impact Usio's stock performance and investor sentiment moving forward. The missed revenue estimates and reported loss are likely to affect investor sentiment and financial performance, but the overall impact may be limited.

4 Nov

4

Usio Inc reported record processing volumes for the third quarter of 2025, highlighting significant growth in its payment processing services. The company attributed this success to increased demand and strategic initiatives aimed at enhancing operational efficiency. Financial metrics showed a notable rise in transaction volumes, which is expected to positively influence future revenue streams. Usio's management expressed optimism about sustaining this growth trajectory moving forward. Record processing volumes indicate a significant positive shift in operational performance and market positioning.

7 Aug

3

Usio Inc (NASDAQ:USIO) has experienced a challenging five-year period for investors, with significant losses and a lack of profitability. The company's stock performance has been disappointing, raising concerns about its future viability and market position. Investors are left questioning the effectiveness of Usio's strategies and whether the company can turn its fortunes around in the competitive landscape. The ongoing losses and investor concerns indicate a moderately noticeable influence on Usio's financial performance and market sentiment.

6 Aug

4

Usio Inc reported its financial results for the second quarter of 2025, highlighting significant growth in revenue and improvements in operational efficiency. The company experienced an increase in transaction volume and expanded its customer base, contributing to a positive outlook for future performance. Management emphasized strategic initiatives aimed at enhancing service offerings and market reach, positioning Usio for continued success in the payment processing industry. The reported growth in revenue and transaction volume indicates a significant positive shift in the company's operational performance and market positioning.

3

Usio Inc (USIO) reported a loss for Q2, falling short of revenue estimates. The company's financial performance has raised concerns among investors, as it did not meet market expectations. This disappointing result may impact future growth and investor sentiment. The missed revenue estimates indicate potential challenges in financial performance that could affect investor confidence.

10 Jul

3

Usio Inc is actively participating in flood relief efforts in Texas, providing support and resources to assist affected communities. The company is collaborating with local organizations to facilitate donations and aid distribution, demonstrating its commitment to corporate social responsibility and community engagement during this crisis. Engagement in community relief efforts can enhance brand reputation and customer loyalty, potentially influencing market sentiment.

30 Jun

4

Usio, Inc. has formed a strategic partnership with Mortgage Automator to enhance payment processing for private lenders. The collaboration will integrate Usio's payment technology into Mortgage Automator's platform, providing seamless, automated payment solutions. This integration aims to streamline loan servicing and improve borrower experiences by offering various payment options, including ACH and real-time disbursements. Both companies are committed to ongoing innovation to support private lenders. The partnership significantly enhances Usio's product offerings and market positioning in the mortgage sector, likely impacting future performance.

15 May

4

Usio Inc (NASDAQ:USIO) reported record first-quarter revenues with a 34% increase in total processing volume and a 36% rise in ACH processing. The company generated $700,000 in cash, ending with a cash balance of $8.7 million, and anticipates 14-16% revenue growth for the year. However, gross profits remained unchanged, net income declined, and revenue growth was only 5%, indicating a disconnect between processing volume and revenue. The UCO One initiative aims to enhance cross-selling of services. The company also discussed its M&A strategy and the significance of the Consumer Choice product. The launch of strategic initiatives like UCO One and the potential for significant revenue growth indicate a major shift in the company's trajectory.

28 Mar

4

Usio Inc reported its full year 2024 earnings, with earnings per share (EPS) exceeding expectations. The company highlighted strong financial performance and growth in key areas, contributing to positive market sentiment. Investors reacted favorably to the results, indicating confidence in Usio's future prospects. Earnings exceeding expectations can significantly influence investor sentiment and the company's future performance.

stockrow.com/USIO · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com