Usio, Inc.
Qualité des données : 100%
USIO
NASDAQ
Financial Services
Depository Institutions
1,18 €
▼
0,01 €
(-0,84%)
6 months return
—
Momentum
Neutral
5Y revenue growth
8,36%
Croissance
Revenue Growth (5Y)
8,36%
Au-dessus de la moyenne du secteur (5,76%)
Revenue (1Y)2,97%
Earnings (1Y)-176,00%
FCF Growth (3Y)-72,32%
Qualité
Return on Equity
-13,43%
En dessous de la moyenne du secteur (9,21%)
ROIC-8,72%
Net Margin-2,94%
Op. Margin-2,76%
Sécurité
Debt / Equity
0,04
En dessous de la moyenne du secteur (0,49)
Current Ratio1,13
Interest Coverage-45,30
Valorisation
PE (TTM|NTM)
-13,14 | -38,00
En dessous de la moyenne du secteur (11,13)
P/B Ratio1,77
EV/EBITDAN/A
Dividend YieldN/A
Quick Summary
Key Takeaways
Short bullets derived from reported financials—not the AI summary above.
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
Price History
Tendances Financières
Objectif de Cours des Analystes
4 analystes
Buy
+329.0%
upside to target
Actuel
1,18 €
Consensus Target
5,06 €
4,00 €
Bas
6,00 €
Haut
Prévisions
P/E Prévisionnel
-38,00
BPA Prévisionnel
-0,03 €
CA Est.
101,94 M
Surprises de Résultats
EPS
Reported
Estimate
Forecast
Next: Q1 2026
·
EPS Est: -0,01 €
·
Rev Est: 23,35 M
| Q12025 | Q22025 | Q32025 | Q42025 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|
| Reported | -0,01 € | -0,01 € | -0,02 € | -0,05 € | — | — |
| Estimate | 0,02 € | 0,00 € | 0,01 € | 0,01 € | -0,01 € | -0,02 € |
| Surprise | -150,00% | -200,30% | -500,00% | -1100,00% | — | — |
Growth
Rev 5Y: 8,36% · Earnings 1Y: -176,00%
Growth
Rev 5Y: 8,36% · Earnings 1Y: -176,00%| 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
ROE: -13,43% · Net Margin: -2,94%
Profitability
ROE: -13,43% · Net Margin: -2,94%| 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
D/E: 0,04 · Current: 1,13
Safety
D/E: 0,04 · Current: 1,13| 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
Yield: N/A · Payout: N/A
Dividends
Yield: N/A · Payout: N/A| 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: -13,14 · EV/EBITDA: N/A
Valuation
P/E: -13,14 · EV/EBITDA: N/A| P/E Ratio | -13,14 | Forward P/E | -38,00 |
| 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 | 0,32 | Fwd Earnings Yield | N/A |
| FCF Yield | 3,27% | ||
| Market Cap | 33,02 M | Enterprise Value | 26,11 M |
Per Share
EPS: -0,09 · FCF/Share: 0,04
Per Share
EPS: -0,09 · FCF/Share: 0,04| 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
FCF Conv: -42,94% · CapEx/Rev: 0,51%
Efficiency
FCF Conv: -42,94% · CapEx/Rev: 0,51%| CapEx / Revenue | 0,51% | FCF Conversion | -42,94% |
| SBC-Adj. FCF | -734 933 | Growth Momentum | -5,39 |
Income Statement
Annual, most recent first
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
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 |
Comparaison Sectorielle
vs médiane du secteur Financial Services (6628 pairs)
Par rapport à des entreprises similaires dans Financial Services
Comparaison Sectorielle
vs médiane du secteur Financial Services (6628 pairs) Par rapport à des entreprises similaires dans Financial Services| Métrique | Action | Médiane du Secteur |
|---|---|---|
| P/E | -13,1 | 11,1 |
| 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 |
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