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Usio, Inc.

Data quality: 100%
USIO
Nasdaq Financial Services Depository Institutions
$1.19
▲ $0.01 (0.85%)
Mkt Cap: 33.02 M
Price
$1.19
Mkt Cap
33.02 M
Day Range
$1.17 — $1.22
52-Week Range
$1.03 — $2.02
Volume
8,435
Open $1.20
50D / 200D Avg
$1.28
7.31% below
50D / 200D Avg
$1.43
17.05% below

Quick Summary

Key Takeaways

Revenue grew 8.36% annually over 5 years — modest growth
Earnings declined -176.00% over the past year
Debt/Equity of 0.04 — conservative balance sheet
Generating 1.08 M in free cash flow
Revenue growth is decelerating — 1Y growth trails 5Y average by 5.39%
Capital efficient — spends only 0.51% of revenue on capex

Growth

Revenue Growth (5Y)
8.36%
Above sector avg (5.83%)
Revenue (1Y)2.97%
Earnings (1Y)-176.00%
FCF Growth (3Y)-72.32%

Quality

Return on Equity
-13.43%
Below sector avg (9.24%)
ROIC-8.72%
Net Margin-2.94%
Op. Margin-2.76%

Safety

Debt / Equity
0.04
Below sector avg (0.49)
Current Ratio1.13
Interest Coverage-45.30

Valuation

PE (TTM)
-13.14
Below sector avg (11.15)
P/B Ratio1.77
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2150 peers)
Metric Stock Sector Median
P/E -13.1 11.2
P/B 1.8 1.2
ROE % -13.4 9.2
Net Margin % -2.9 9.4
Rev Growth 5Y % 8.4 5.8
D/E 0.0 0.5

All Fundamental Metrics
Growth
Revenue Growth (1Y) 2.97% Revenue Growth (3Y) 1.68%
Earnings Growth (1Y) -176.00% Earnings Growth (3Y) N/A
Revenue Growth (5Y) 8.36% Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 85.39 M Net Income (TTM) -2.51 M
ROE -13.43% ROA -2.42%
Gross Margin 23.06% Operating Margin -2.76%
Net Margin -2.94% Free Cash Flow (TTM) 1.08 M
ROIC -8.72% FCF Growth (3Y) -72.32%
Safety
Debt / Equity 0.04 Current Ratio 1.13
Interest Coverage -45.30 Asset Turnover 0.82
Working Capital 10.00 M Tangible Book Value 18.46 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio -13.14 Forward P/E N/A
P/B Ratio 1.77 P/S Ratio 0.39
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 3.27%
Market Cap 33.02 M Enterprise Value 26.11 M
Per Share
EPS (Diluted TTM) -0.09 Revenue / Share 3.08
FCF / Share 0.04 OCF / Share 0.05
EPS CAGR (1Y) -175.00% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 0.51% FCF Conversion -42.94%
SBC-Adj. FCF -734,933 Growth Momentum -5.39

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 85.39 M 82.93 M 82.59 M 69.43 M 61.94 M
Net Income -2.51 M 3.31 M -475,104.0 -5.48 M -321,634.0
EPS (Diluted) -0.09 0.12 -0.02 -0.27 -0.02
Gross Profit 19.69 M 19.61 M 18.60 M 14.59 M 15.63 M
Operating Income -2.36 M -1.47 M -1.92 M -5.21 M -155,381.0
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses 18.36 M — — — —
D&A 1.95 M 2.26 M 2.08 M 2.74 M 2.64 M
Interest Expense 52,083.0 53,802.0 5,202.0 4,051.0 -4,314.0
Income Tax 512,811.0 -2.63 M 292,524.0 280,000.0 169,861.0

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 134.89 M 107.21 M 106.93 M 97.91 M 133.68 M
Total Liabilities 116.98 M 88.05 M 91.87 M 83.98 M 115.01 M
Shareholders' Equity 17.91 M 19.16 M 15.07 M 13.93 M 18.67 M
Total Debt 1.36 M 719,443.0 718,980.0 14,994.0 71,434.0
Cash & Equivalents 7.43 M 8.06 M 7.16 M 5.71 M 7.26 M
Current Assets 123.41 M 95.16 M 97.24 M 87.41 M 121.26 M
Current Liabilities 114.02 M 84.95 M 89.23 M 81.62 M 112.46 M