Usio, Inc.
Datakwaliteit: 100%
USIO
NASDAQ
Financial Services
Depository Institutions
€ 1,14
▼
€ 0,04
(-3,39%)
Marktkapitalisatie: 33,02 M
Prijs
€ 1,19
Marktkapitalisatie
33,02 M
Dagbereik
—
52-Weeksbereik
—
Volume
—
Openen —
50D / 200D Gem.
—
50D / 200D Gem.
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Quick Summary
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
8,36%
Boven sectorgemiddelde (5,76%)
Revenue (1Y)2,97%
Earnings (1Y)-176,00%
FCF Growth (3Y)-72,32%
Kwaliteit
Return on Equity
-13,43%
Onder sectorgemiddelde (9,23%)
ROIC-8,72%
Net Margin-2,94%
Op. Margin-2,76%
Veiligheid
Debt / Equity
0,04
Onder sectorgemiddelde (0,49)
Current Ratio1,13
Interest Coverage-45,30
Waardering
PE (TTM|NTM)
-13,14 | -38,00
Onder sectorgemiddelde (11,11)
P/B Ratio1,77
EV/EBITDAN/A
Dividend YieldN/A
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (2698 peers)
Sectorvergelijking
vs Financial Services sector mediaan (2698 peers)| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| 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 |
Koersdoel Analisten
4 analisten
Buy
Huidig
€ 1,14
Koersdoel
€ 5,06
€ 4,00
€ 5,13
€ 6,00
Vooruitzicht
Forward K/W
-38,00
Forward WPA
-€ 0,03
Omzet Sch.
101,94 M
Winstschattingen
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| FY2027 |
-€ 0,03
-€ 0,04 – -€ 0,02
|
101,94 M | 3 |
| FY2026 |
-€ 0,04
-€ 0,08 – -€ 0,01
|
93,89 M | 4 |
| Periode | WPA Sch. | Omzet Sch. | Analisten |
|---|---|---|---|
| 2026 Q2 |
-€ 0,02
-€ 0,02 – -€ 0,01
|
23,09 M | 4 |
| 2026 Q1 |
-€ 0,01
-€ 0,03 – € 0,01
|
23,35 M | 4 |
Winstverassingen
Laatste 4 kwartalen
| Kwartaal | Geschat WPA | Werkelijk WPA | Verrassing |
|---|---|---|---|
| Q42025 | € 0,01 | -€ 0,05 | -1100,0% |
| Q32025 | € 0,01 | -€ 0,02 | -500,0% |
| Q22025 | € 0,00 | -€ 0,01 | -200,3% |
| Q12025 | € 0,02 | -€ 0,01 | -150,0% |
All Fundamental Metrics
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 | -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 (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
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 |
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