stockrow
Friday 6 November 2026
Export USIO’s income statement to Excel — free account
Usio Inc
USIO Technology Software Infrastructure
Usio Inc’s revenue for fiscal 2025 (year ended December 2025) was $85.4 million, up 2.97% from fiscal 2024.
- Revenue
- +18.6%
- EPS
- +171.9%
- Free cash flow
- −56.1%
- Total debt
- +93.7%
Quarter to June 2026, against a year earlier
2.96
0.03
+1.02%
Follow USIO
Alert me
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
4 | 4 | 3 | 2 | 7 | 6 | 2 | 6 | 5 | 2 |
P/E ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 12.94 | 0.00 |
Altman Z-Score |
(0.68) | (0.69) | (0.74) | (0.98) | (0.41) | 0.31 | (0.17) | 0.23 | 0.22 | 0.11 |
P/S ratio |
1.19 | 1.58 | 0.80 | 0.72 | 1.28 | 1.41 | 0.49 | 0.55 | 0.47 | 0.43 |
P/FCF ratio |
20.82 | 0.00 | 0.00 | 0.00 | 7.57 | 3.06 | 0.00 | 17.35 | 20.09 | 0.00 |
Altman Z″-Score (non-manufacturers) |
(1.90) | (2.14) | (2.69) | (3.55) | (2.16) | (1.00) | (2.16) | (1.54) | (1.31) | (1.20) |
Beneish M-Score |
(2.87) | (1.50) | (2.14) | (2.34) | (1.87) | (3.00) | (1.91) | (2.53) | (2.09) | (2.87) |
P/Operating CF |
54.88 | (307.47) | (23.89) | (26.94) | 23.67 | 4.13 | 5.86 | (1.22) | 39.00 | 367.68 |
P/B ratio |
1.60 | 1.75 | 2.09 | 2.67 | 2.47 | 4.68 | 2.44 | 3.08 | 2.05 | 2.04 |
Price to Tangible BV |
1.63 | 2.73 | 3.38 | 4.13 | 3.86 | 6.02 | 3.01 | 3.48 | 2.15 | 2.05 |
EV/Sales |
(0.46) | 1.25 | 0.72 | 0.73 | 1.21 | 1.29 | 0.41 | 0.48 | 0.38 | 0.36 |
EV/EBITDA |
12.14 | 0.00 | 0.00 | 0.00 | 0.00 | 31.77 | 0.00 | 24.50 | 40.19 | 0.00 |
EV/Operating CF |
(6.49) | (19.47) | (6.52) | (5.55) | 6.20 | 2.69 | (1.67) | 11.41 | 11.00 | 20.18 |
EV/FCF |
(7.94) | (13.93) | (5.20) | (4.73) | 7.18 | 2.81 | (1.59) | 14.98 | 16.33 | (1,294.51) |
Quick Ratio |
0.34 | 0.11 | 0.06 | 0.07 | 0.12 | 0.11 | 0.12 | 0.14 | 0.17 | 0.11 |
Current Ratio |
1.07 | 1.09 | 1.04 | 1.03 | 1.09 | 1.08 | 1.07 | 1.09 | 1.12 | 1.08 |
Net Debt/EBITDA |
43.96 | 3.04 | 1.14 | (0.17) | 0.98 | (2.82) | 2.29 | (3.87) | (9.25) | 14.68 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 4.28% | 3.44% | 0.09% | 0.07% | 0.77% | 0.67% | 1.01% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.35 | 0.17 | 0.01 | 0.01 | 0.05 | 0.04 | 0.08 |
Asset Turnover |
0.18 | 0.21 | 0.37 | 0.43 | 0.45 | 0.57 | 0.60 | 0.82 | 0.77 | 0.71 |
Operating CF/Net income |
(0.71) | 0.31 | 0.73 | 0.73 | (2.17) | (92.61) | 3.11 | (7.38) | 0.88 | (0.60) |
Capex/Depreciation |
(0.17) | (0.30) | (0.37) | (0.31) | (0.55) | (0.48) | (0.29) | (0.40) | (0.42) | (0.79) |
Interest Coverage |
(13.98) | (28.09) | (49.28) | (61.89) | (4,174.33) | (36.14) | (1,271.80) | (86.04) | (27.33) | (45.29) |
| (13.20%) | (27.19%) | (33.18%) | (59.48%) | (23.95%) | (1.82%) | (33.64%) | (3.28%) | 19.32% | (13.55%) | |
| (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%) |
Return on Tangible Assets |
(17.05%) | (43.64%) | (87.07%) | (176.85%) | (33.29%) | (2.59%) | (60.87%) | (4.07%) | 24.66% | (18.54%) |
Average Days of Receivables |
27.44 | 24.29 | 17.71 | 16.49 | 32.41 | 29.34 | 22.98 | 24.16 | 28.82 | 22.55 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
8.72% | 6.64% | 5.00% | 4.58% | 4.57% | 2.41% | 2.98% | 2.64% | 2.52% | 2.04% |
Intangible Assets out of Total Assets |
0.00 | 0.07 | 0.05 | 0.04 | 0.07 | 0.03 | 0.03 | 0.02 | 0.01 | 0.00 |
Share Based Compensation of Revenue |
12.62% | 6.92% | 5.03% | 4.58% | 4.57% | 2.41% | 2.98% | 2.64% | 2.52% | 2.04% |
Graham Net Nets |
0.31 | 0.21 | 0.12 | (0.05) | 0.08 | 0.07 | 0.10 | 0.12 | 0.18 | 0.18 |
Graham Number |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.35 | 0.00 |
Earnings Yield |
(8.37%) | (12.50%) | (19.28%) | (25.64%) | (7.87%) | (0.48%) | (16.57%) | (1.02%) | 7.73% | (6.57%) |
Free Cash Flow Yield |
4.80% | (5.68%) | (17.18%) | (21.67%) | 13.20% | 32.65% | (52.44%) | 5.77% | 4.98% | (0.06%) |
Revenue per Share |
1.54 | 1.62 | 2.06 | 2.18 | 2.09 | 3.09 | 3.41 | 3.17 | 3.09 | 3.17 |
Operating CF per Share |
0.11 | (0.10) | (0.23) | (0.29) | 0.41 | 1.49 | (0.84) | 0.13 | 0.11 | 0.06 |
Capex per Share |
(0.02) | (0.04) | (0.06) | (0.05) | (0.06) | (0.06) | (0.04) | (0.03) | (0.04) | (0.06) |
Free Cash Flow per Share |
0.09 | (0.15) | (0.29) | (0.34) | 0.35 | 1.42 | (0.88) | 0.10 | 0.07 | 0.00 |
Cash per Share |
2.54 | 0.53 | 0.18 | 0.17 | 0.32 | 0.36 | 0.28 | 0.27 | 0.30 | 0.28 |
Shareholders Equity per Share |
1.15 | 1.46 | 0.79 | 0.58 | 1.08 | 0.93 | 0.68 | 0.57 | 0.71 | 0.67 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
1.15 | 1.46 | 0.79 | 0.58 | 1.08 | 0.93 | 0.68 | 0.57 | 0.71 | 0.67 |
Free Cash Flow |
0.69 | (1.31) | (3.46) | (4.38) | 5.44 | 28.51 | (17.85) | 2.67 | 1.95 | (0.02) |
Working Capital |
4.52 | 4.79 | 2.40 | 1.34 | 5.62 | 8.79 | 5.79 | 8.01 | 10.21 | 9.39 |
Capital Expenditures |
(0.16) | (0.37) | (0.70) | (0.65) | (0.86) | (1.27) | (0.81) | (0.83) | (0.94) | (1.54) |
Net Current Asset Value |
4.52 | 4.79 | 2.32 | (0.94) | 3.13 | 6.25 | 3.43 | 5.38 | 7.10 | 6.43 |
EV/EBIT |
4.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.03 | 0.03 | 0.02 | 0.03 | 0.02 | 0.01 | 0.01 | 0.01 | 0.02 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.36 | 0.60 | 0.98 | 1.32 | 0.50 | 0.74 | 0.86 | 0.57 | 0.71 | 0.47 |
Cash ROIC |
2.39% | (7.30%) | (29.33%) | (35.49%) | 22.15% | 109.45% | (90.54%) | 11.59% | 6.99% | (0.09%) |
Accounts Receivable Turnover |
11.82 | 15.52 | 22.91 | 22.67 | 15.59 | 15.80 | 14.85 | 16.92 | 13.69 | 14.45 |
Accounts Payable Turnover |
57.55 | 48.48 | 63.90 | 61.13 | 39.14 | 41.14 | 48.55 | 67.73 | 55.35 | 61.48 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 81.43 | 151.59 | 116.44 | 137.59 | 153.20 | 151.82 |
Average Days of Payables |
6.38 | 10.16 | 5.78 | 6.89 | 12.49 | 11.04 | 5.72 | 5.88 | 7.25 | 4.89 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 2.59 | 3.42 | 3.38 | 2.41 | 2.33 | 2.57 |
Average Receivables |
1.02 | 0.94 | 1.09 | 1.24 | 2.07 | 3.92 | 4.68 | 4.97 | 6.06 | 5.91 |
Average Payables |
0.14 | 0.22 | 0.30 | 0.36 | 0.64 | 1.13 | 1.13 | 0.94 | 1.14 | 1.07 |
Average Inventory |
— | — | — | — | 0.31 | 0.31 | 0.47 | 0.47 | 0.41 | 0.43 |
Average Assets |
68.94 | 68.48 | 67.83 | 64.89 | 72.11 | 108.17 | 115.80 | 102.42 | 107.07 | 121.05 |
Average Common Equity |
9.06 | 11.07 | 11.38 | 8.60 | 12.14 | 17.69 | 16.30 | 14.50 | 17.11 | 18.53 |
Columns are period end dates