Usio, Inc.
USIONasdaq
$2.12
↓ -4.9%Jul 17 close · end-of-day
Price
1Y↑ +23.3%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$58.8M
Enterprise Value
$52.4M
P/E
—
P/S
0.7
P/B
3.2
EV/EBITDA
—
PEG
—
FCF Yield
0.5%
Dividend Yield
—
Revenue (TTM)
$88.9M
Net Income (TTM)
-$2.2M
Free Cash Flow (TTM)
$275,784.00
Gross Margin
22.5%
Operating Margin
-2.1%
Net Margin
-2.4%
ROE
-11.9%
ROIC
-12.8%
Debt / Equity
0.1
Net Cash
$6.4M
Return 1Y
+20.4%
Company profile
Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing; and credit, prepaid card, and debit card-based processing services. Usio offers Represented Check, a consumer non-sufficient funds check that is presented electronically rather than through the paper check collection system.
- CEO
- Louis A. Hoch
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 110
- Headquarters
- Texas
- Website
- usio.com
Earnings
USIO Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$25.5M↑ +15.7%
Diluted EPS$0.00↓ -100.0%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $32.3M | $61.9M | $69.4M | $84.1M | $82.9M | $85.4M |
| Gross profit | $7.4M | $15.6M | $14.6M | $20.1M | $19.6M | $19.7M |
| Operating income | -$3.8M | -$155,381.00 | -$5.2M | -$447,364.00 | -$1.5M | -$2.4M |
| Net income | -$2.9M | -$321,634.00 | -$5.5M | -$475,104.00 | $3.3M | -$2.5M |
| Diluted EPS | -$0.19 | -$0.02 | -$0.27 | -$0.02 | $0.12 | -$0.09 |
| Operating cash flow | $6.3M | $29.8M | -$17.0M | $3.5M | $2.9M | $1.5M |
| Free cash flow | $5.4M | $28.5M | -$17.8M | $2.7M | $2.7M | $1.1M |
| Gross margin | 22.9% | 25.2% | 21.0% | 23.9% | 23.7% | 23.1% |
| Operating margin | -11.6% | -0.3% | -7.5% | -0.5% | -1.8% | -2.8% |
| Net margin | -9.0% | -0.5% | -7.9% | -0.6% | 4.0% | -2.9% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $20.1M | $21.3M | $20.6M | $22.0M | $20.0M | $21.2M | $22.2M | $25.5M |
| Gross profit | $4.8M | $4.9M | $5.1M | $4.8M | $5.1M | $4.9M | $4.9M | $5.1M |
| Operating income | -$208,941.00 | -$376,650.00 | -$602,797.00 | -$239,584.00 | -$396,970.00 | -$464,171.00 | -$1.3M | $225,712.00 |
| Net income | $75,492.00 | $2.9M | $628,926.00 | -$234,970.00 | -$366,654.00 | -$415,086.00 | -$1.5M | $122,503.00 |
| Diluted EPS | $0.00 | $0.10 | $0.03 | -$0.01 | -$0.01 | -$0.02 | -$0.05 | $0.00 |
| Operating cash flow | $369,111.00 | $1.4M | $1.0M | $1.4M | -$263,884.00 | $303,830.00 | $99,596.00 | $946,724.00 |
| Free cash flow | $246,253.00 | $1.4M | $931,677.00 | $1.4M | -$315,205.00 | $85,165.00 | -$42,828.00 | $548,652.00 |
| Gross margin | 23.9% | 23.0% | 24.6% | 21.9% | 25.8% | 23.0% | 21.9% | 20.2% |
| Operating margin | -1.0% | -1.8% | -2.9% | -1.1% | -2.0% | -2.2% | -5.7% | 0.9% |
| Net margin | 0.4% | 13.4% | 3.1% | -1.1% | -1.8% | -2.0% | -6.7% | 0.5% |
Company news
Jul 8, 2026
Jun 22, 2026
Jun 19, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
No insider transactions in the last 12 months.
No insider transactions on file.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.