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

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
Piotroski F-Score Full definition →	4	4	3	2	7	6	2	6	5	2
P/E ratio Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	12.94	0.00
Altman Z-Score Full definition →	(0.68)	(0.69)	(0.74)	(0.98)	(0.41)	0.31	(0.17)	0.23	0.22	0.11
P/S ratio Full definition →	1.19	1.58	0.80	0.72	1.28	1.41	0.49	0.55	0.47	0.43
P/FCF ratio Full definition →	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) Full definition →	(1.90)	(2.14)	(2.69)	(3.55)	(2.16)	(1.00)	(2.16)	(1.54)	(1.31)	(1.20)
Beneish M-Score Full definition →	(2.87)	(1.50)	(2.14)	(2.34)	(1.87)	(3.00)	(1.91)	(2.53)	(2.09)	(2.87)
P/Operating CF Full definition →	54.88	(307.47)	(23.89)	(26.94)	23.67	4.13	5.86	(1.22)	39.00	367.68
P/B ratio Full definition →	1.60	1.75	2.09	2.67	2.47	4.68	2.44	3.08	2.05	2.04
Price to Tangible BV Full definition →	1.63	2.73	3.38	4.13	3.86	6.02	3.01	3.48	2.15	2.05
EV/Sales Full definition →	(0.46)	1.25	0.72	0.73	1.21	1.29	0.41	0.48	0.38	0.36
EV/EBITDA Full definition →	12.14	0.00	0.00	0.00	0.00	31.77	0.00	24.50	40.19	0.00
EV/Operating CF Full definition →	(6.49)	(19.47)	(6.52)	(5.55)	6.20	2.69	(1.67)	11.41	11.00	20.18
EV/FCF Full definition →	(7.94)	(13.93)	(5.20)	(4.73)	7.18	2.81	(1.59)	14.98	16.33	(1,294.51)
Quick Ratio Full definition →	0.34	0.11	0.06	0.07	0.12	0.11	0.12	0.14	0.17	0.11
Current Ratio Full definition →	1.07	1.09	1.04	1.03	1.09	1.08	1.07	1.09	1.12	1.08
Net Debt/EBITDA Full definition →	43.96	3.04	1.14	(0.17)	0.98	(2.82)	2.29	(3.87)	(9.25)	14.68
Debt/Assets Full definition →	0.00%	0.00%	0.00%	4.28%	3.44%	0.09%	0.07%	0.77%	0.67%	1.01%
Debt/Equity Full definition →	0.00	0.00	0.00	0.35	0.17	0.01	0.01	0.05	0.04	0.08
Asset Turnover Full definition →	0.18	0.21	0.37	0.43	0.45	0.57	0.60	0.82	0.77	0.71
Operating CF/Net income Full definition →	(0.71)	0.31	0.73	0.73	(2.17)	(92.61)	3.11	(7.38)	0.88	(0.60)
Capex/Depreciation Full definition →	(0.17)	(0.30)	(0.37)	(0.31)	(0.55)	(0.48)	(0.29)	(0.40)	(0.42)	(0.79)
Interest Coverage Full definition →	(13.98)	(28.09)	(49.28)	(61.89)	(4,174.33)	(36.14)	(1,271.80)	(86.04)	(27.33)	(45.29)
ROE Full definition →	(13.20%)	(27.19%)	(33.18%)	(59.48%)	(23.95%)	(1.82%)	(33.64%)	(3.28%)	19.32%	(13.55%)
ROA Full definition →	(1.74%)	(4.39%)	(5.57%)	(7.88%)	(4.03%)	(0.30%)	(4.74%)	(0.46%)	3.09%	(2.08%)
ROIC Full definition →	0.00%	(21.30%)	(31.56%)	(39.23%)	(16.15%)	(0.84%)	(39.28%)	(3.20%)	(7.77%)	(12.45%)
Return on Tangible Assets Full definition →	(17.05%)	(43.64%)	(87.07%)	(176.85%)	(33.29%)	(2.59%)	(60.87%)	(4.07%)	24.66%	(18.54%)
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	12.62%	6.92%	5.03%	4.58%	4.57%	2.41%	2.98%	2.64%	2.52%	2.04%
Graham Net Nets Full definition →	0.31	0.21	0.12	(0.05)	0.08	0.07	0.10	0.12	0.18	0.18
Graham Number Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.35	0.00
Earnings Yield Full definition →	(8.37%)	(12.50%)	(19.28%)	(25.64%)	(7.87%)	(0.48%)	(16.57%)	(1.02%)	7.73%	(6.57%)
Free Cash Flow Yield Full definition →	4.80%	(5.68%)	(17.18%)	(21.67%)	13.20%	32.65%	(52.44%)	5.77%	4.98%	(0.06%)
Revenue per Share Full definition →	1.54	1.62	2.06	2.18	2.09	3.09	3.41	3.17	3.09	3.17
Operating CF per Share Full definition →	0.11	(0.10)	(0.23)	(0.29)	0.41	1.49	(0.84)	0.13	0.11	0.06
Capex per Share Full definition →	(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 Full definition →	0.09	(0.15)	(0.29)	(0.34)	0.35	1.42	(0.88)	0.10	0.07	0.00
Cash per Share Full definition →	2.54	0.53	0.18	0.17	0.32	0.36	0.28	0.27	0.30	0.28
Shareholders Equity per Share Full definition →	1.15	1.46	0.79	0.58	1.08	0.93	0.68	0.57	0.71	0.67
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	1.15	1.46	0.79	0.58	1.08	0.93	0.68	0.57	0.71	0.67
Free Cash Flow Full definition →	0.69	(1.31)	(3.46)	(4.38)	5.44	28.51	(17.85)	2.67	1.95	(0.02)
Working Capital Full definition →	4.52	4.79	2.40	1.34	5.62	8.79	5.79	8.01	10.21	9.39
Capital Expenditures Full definition →	(0.16)	(0.37)	(0.70)	(0.65)	(0.86)	(1.27)	(0.81)	(0.83)	(0.94)	(1.54)
Net Current Asset Value Full definition →	4.52	4.79	2.32	(0.94)	3.13	6.25	3.43	5.38	7.10	6.43
EV/EBIT Full definition →	4.04	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.01	0.03	0.03	0.02	0.03	0.02	0.01	0.01	0.01	0.02
Price to Operating Income Full definition →	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 Full definition →	0.36	0.60	0.98	1.32	0.50	0.74	0.86	0.57	0.71	0.47
Cash ROIC Full definition →	2.39%	(7.30%)	(29.33%)	(35.49%)	22.15%	109.45%	(90.54%)	11.59%	6.99%	(0.09%)
Accounts Receivable Turnover Full definition →	11.82	15.52	22.91	22.67	15.59	15.80	14.85	16.92	13.69	14.45
Accounts Payable Turnover Full definition →	57.55	48.48	63.90	61.13	39.14	41.14	48.55	67.73	55.35	61.48
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	81.43	151.59	116.44	137.59	153.20	151.82
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	2.59	3.42	3.38	2.41	2.33	2.57
Average Receivables Full definition →	1.02	0.94	1.09	1.24	2.07	3.92	4.68	4.97	6.06	5.91
Average Payables Full definition →	0.14	0.22	0.30	0.36	0.64	1.13	1.13	0.94	1.14	1.07
Average Inventory Full definition →	—	—	—	—	0.31	0.31	0.47	0.47	0.41	0.43
Average Assets Full definition →	68.94	68.48	67.83	64.89	72.11	108.17	115.80	102.42	107.07	121.05
Average Common Equity Full definition →	9.06	11.07	11.38	8.60	12.14	17.69	16.30	14.50	17.11	18.53

Show all line items

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