Usio, Inc.
USIO Nasdaq· Functions Related To Depository Banking, Nec
Last close · Oct 26, 2026
$3.10
KIRA · Stoqly’s AI analyst, in plain words
- Usio, Inc. had $85.4M of revenue in fiscal 2025, up 3.0% on the year before. Over five years, revenue changed +21.5% a year on average.
- Its operating margin was −2.8%, down 1.0 pts: of every 100 in sales, about −3 is left after running the business.
- Usio, Inc. lost $2.5M in fiscal 2025.
- Free cash flow was $1.1M in fiscal 2025, 1.3% of revenue.
- Usio, Inc. returned $1.1M to shareholders in fiscal 2025, 99% of free cash flow. The diluted share count rose 0.3%.
- Usio, Inc. has $6.1M more cash than debt.
Market cap
$86.2M
P/E
—
Revenue
$85.4M
Net income
−$2.5M
Free cash flow
$1.1M
Operating margin
−2.8%
Usio, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+3.0%
Only a little. Sales grew 3.0% last year.
Does it make a profit?
−2.9%
No. It lost money last year.
Does profit turn into cash?
1.3%
Partly. 1.3% of sales ends up as free cash.
How healthy are the accounts?
2 / 9
Weak. It passes 2 of 9 health tests.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Usio, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 18, 2026
- Legal name
- Usio, Inc.
- CIK
- 0001088034
Usio, Inc. · USIO
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $61.9M | $69.4M | $84.1M | $82.9M | $85.4M |
| Revenue growth | 92.1% | 12.1% | 21.1% | −1.3% | 3.0% |
| Net interest income | −$0.0M | — | — | — | — |
| Gross margin | 25.2% | 21.0% | 23.9% | 23.7% | 23.1% |
| Operating margin | −0.3% | −7.5% | −0.5% | −1.8% | −2.8% |
| Net income | −$0.3M | −$5.5M | −$0.5M | $3.3M | −$2.5M |
| Net margin | −0.5% | −7.9% | −0.6% | 4.0% | −2.9% |
| Diluted EPS | −$0.02 | −$0.27 | −$0.02 | $0.12 | −$0.09 |
| Cash | |||||
| Cash from operations | $29.8M | −$17.0M | $3.5M | $2.9M | $1.5M |
| Capital expenditure | $1.3M | $0.8M | $0.8M | $0.2M | $0.4M |
| Free cash flow | $28.5M | −$17.8M | $2.7M | $2.7M | $1.1M |
| FCF margin | 46.0% | −25.7% | 3.2% | 3.3% | 1.3% |
| Share buybacks | $0.2M | $1.3M | $0.5M | $1.4M | $1.1M |
| Share count change | 29.8% | 1.8% | 30.0% | 1.4% | 0.3% |
| Debt and strength | |||||
| Cash and short-term investments | $7.3M | $5.7M | $7.2M | $8.1M | $7.4M |
| Debt incl. finance leases | $0.1M | $0.1M | $0.8M | $0.7M | $1.4M |
| Shareholders' equity | $18.7M | $13.9M | $15.1M | $19.2M | $17.9M |
| Net debt / EBITDA | −2.9x | — | −3.9x | −9.3x | — |
| Current ratio | 1.1x | 1.1x | 1.1x | 1.1x | 1.1x |
| Interest coverage | −36.1x | −1,271.8x | −86.0x | −27.3x | −45.3x |
| Returns and quality | |||||
| Return on capital | −1.1% | −49.7% | −4.0% | −12.4% | −15.7% |
| Return on equity | −1.8% | −33.6% | −3.3% | 19.3% | −13.6% |
| Return on tangible equity | −2.2% | −48.5% | −3.6% | 18.1% | −14.0% |
| Piotroski F-score | 5 | 2 | 6 | 5 | 2 |
| Altman Z'' | −1.0 | −2.2 | −1.5 | −1.3 | −1.2 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.1M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Usio, Inc. · USIO
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $3.10 a share, the company is worth $86.2M.
Source: SEC EDGAR XBRL filings (CIK 0001088034). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.