USIO
Usio, Inc.
Price Chart
Latest Quote
$1.74
+0.01 (+0.29%)
Current Price
| Previous Close | $1.73 |
| Open | $1.75 |
| Day High | $1.75 |
| Day Low | $1.73 |
| Volume | 17,729 |
Stock Information
| Shares Outstanding | 27.60M |
| Total Debt | $4.87M |
| Cash Equivalents | $7.73M |
| Revenue | $88.85M |
| Net Income | $-2.15M |
| Sector | Technology |
| Industry | Software - Infrastructure |
| Market Cap | $47.88M |
| EPS (TTM) | $-0.08 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $45.16M |
| Sales | $88.85M |
| Income | $-2.15M |
| Book/sh | $0.66 |
| Cash/sh | $0.28 |
| Employees | 107 |
Financial Ratios
| Quick Ratio | 0.13 |
| Current Ratio | 1.09 |
| Debt/Eq | 26.86 |
Returns & Margins
| ROA | -1.03% |
| ROE | -11.61% |
| Gross Margin | 22.53% |
| Operating Margin | 0.89% |
| Profit Margin | -2.42% |
Ownership
| Insider Ownership | 29.03% |
| Institutional Ownership | 25.04% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 86.75 |
| PEG | 0.95 |
| P/S | 0.54 |
| P/B | 2.64 |
Analyst Data
| Recommendation | buy |
| Target Price | $5.58 |
Technical Indicators
| SMA20 | $1.61 |
| SMA50 | $1.40 |
| SMA200 | $1.38 |
| RSI | 54.81 |
| ATR | 0.0973 |
| Shares Float | 19.58M |
| Short Float | 0.14% |
| Short Ratio | 0.27 |
| Volatility | 1.40 |
| Rel Volume | 0.21 |
Performance History
| Week | +5.15% |
| Month | +9.12% |
| Quarter | +43.39% |
| 6 Months | +22.18% |
| YTD | +25.72% |
| Year | +25.72% |
| 3 Years | -16.59% |
| 5 Years | -72.93% |
| 10 Years | +25.72% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $1.74 | 17,729 |
| 2026-06-16 | $1.74 | 58,400 |
| 2026-06-15 | $1.77 | 123,900 |
| 2026-06-12 | $1.81 | 191,200 |
| 2026-06-11 | $1.71 | 163,900 |
| 2026-06-10 | $1.65 | 178,200 |
| 2026-06-09 | $1.46 | 90,800 |
| 2026-06-08 | $1.49 | 48,000 |
| 2026-06-05 | $1.51 | 24,200 |
| 2026-06-04 | $1.55 | 32,300 |
| 2026-06-03 | $1.53 | 29,300 |
| 2026-06-02 | $1.56 | 57,800 |
| 2026-06-01 | $1.56 | 57,800 |
| 2026-05-29 | $1.61 | 129,400 |
| 2026-05-28 | $1.67 | 55,500 |
| 2026-05-27 | $1.64 | 144,900 |
| 2026-05-26 | $1.59 | 50,700 |
| 2026-05-22 | $1.53 | 80,500 |
| 2026-05-21 | $1.57 | 69,600 |
| 2026-05-20 | $1.53 | 60,800 |
| 2026-05-19 | $1.48 | 197,300 |
| 2026-05-18 | $1.59 | 342,000 |
About Usio, Inc.
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 for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic payment processing services to merchants and businesses, including credit, and debit card-based processing services and electronic funds transfer through the ACH network. In addition, it offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, and Discover supported by online and physical terminal access. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a payment facilitation platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.
đ° Latest News
Should You Buy Usio Inc (USIO) After Golden Cross?
Zacks âĸ 2026-06-15T13:55:02Z
Despite Fast-paced Momentum, Usio (USIO) Is Still a Bargain Stock
Zacks âĸ 2026-06-04T12:55:02Z
Usio (USIO) Is Attractively Priced Despite Fast-paced Momentum
Zacks âĸ 2026-05-19T12:55:02Z
Usio Inc (USIO) Q1 2026 Earnings Call Highlights: Record Revenue and Strong Growth Across Segments
GuruFocus.com âĸ 2026-05-19T01:01:39Z3 Promising Penny Stocks With Market Caps Under $200M
Simply Wall St. âĸ 2026-05-18T12:05:13Z
Usio Inc (USIO) Reports Break-Even Earnings for Q1
Zacks âĸ 2026-05-13T21:10:01Z
Usio Inc (USIO) Q4 2025 Earnings Call Highlights: Record Growth and Strategic Challenges
GuruFocus.com âĸ 2026-03-19T03:00:51ZHere's What Key Metrics Tell Us About Usio (USIO) Q4 Earnings
Zacks âĸ 2026-03-18T22:00:01Z
Usio Inc (USIO) Reports Q4 Loss, Misses Revenue Estimates
Zacks âĸ 2026-03-18T21:25:02Z
What To Expect From Usio Inc (USIO) Q4 2025 Earnings
GuruFocus.com âĸ 2026-03-17T13:24:04Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $65,700,927 | $63,317,396 | $63,992,417 | $54,835,069 |
| Cost Of Revenue | $65,700,927 | $63,317,396 | $63,992,417 | $54,835,069 |
| Total Revenue | $85,393,626 | $82,931,840 | $84,066,245 | $69,428,285 |
| Operating Revenue | $85,393,626 | $82,931,840 | $84,066,245 | $69,428,285 |
| Expenses | ||||
| Interest Expense | $52,083 | $53,802 | $5,202 | $4,051 |
| Total Expenses | $87,753,231 | $84,402,185 | $84,513,609 | $74,642,715 |
| Other Income Expense | $5,000 | $1,737,685 | $50,000 | - |
| Other Non Operating Income Expenses | $5,000 | $1,737,685 | $50,000 | - |
| Net Non Operating Interest Income Expense | $355,077 | $410,944 | $214,784 | $11,186 |
| Interest Expense Non Operating | $52,083 | $53,802 | $5,202 | $4,051 |
| Operating Expense | $22,052,304 | $21,084,789 | $20,521,192 | $19,807,646 |
| General And Administrative Expense | $20,106,080 | $18,821,487 | $2,222,969 | $2,072,041 |
| Other Operating Expenses | - | $16,728,081 | $16,216,690 | $15,000,487 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Net Interest Income | $355,077 | $410,944 | $214,784 | $11,186 |
| Interest Income | $407,160 | $464,746 | $219,986 | $15,237 |
| Normalized Income | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Net Income From Continuing And Discontinued Operation | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Total Operating Income As Reported | $-2,359,605 | $-1,470,345 | $-447,364 | $-5,214,430 |
| Net Income Common Stockholders | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Net Income | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Net Income Including Noncontrolling Interests | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Net Income Continuous Operations | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Pretax Income | $-1,999,528 | $678,284 | $-182,580 | $-5,203,244 |
| Interest Income Non Operating | $407,160 | $464,746 | $219,986 | $15,237 |
| Operating Income | $-2,359,605 | $-1,470,345 | $-447,364 | $-5,214,430 |
| Depreciation Amortization Depletion Income Statement | $1,946,224 | $2,263,302 | $2,081,533 | $2,735,118 |
| Depreciation And Amortization In Income Statement | $1,946,224 | $2,263,302 | $2,081,533 | $2,735,118 |
| Gross Profit | $19,692,699 | $19,614,444 | $20,073,828 | $14,593,216 |
| Special Income Charges | - | - | - | - |
| Per Share | ||||
| Diluted EPS | $-0.09 | $0.12 | $-0.02 | $-0.27 |
| Basic EPS | $-0.09 | $0.12 | $-0.02 | $-0.27 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $-1,221 | $2,995,388 | $1,904,155 | $-2,464,075 |
| Reconciled Depreciation | $1,946,224 | $2,263,302 | $2,081,533 | $2,735,118 |
| EBITDA (Bullshit earnings) | $-1,221 | $2,995,388 | $1,904,155 | $-2,464,075 |
| EBIT | $-1,947,445 | $732,086 | $-177,378 | $-5,199,193 |
| Diluted Average Shares | $26,926,838 | $26,852,129 | $26,490,868 | $20,379,386 |
| Basic Average Shares | $26,926,838 | $26,852,129 | $26,490,868 | $20,379,386 |
| Diluted NI Availto Com Stockholders | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Tax Provision | $512,811 | $-2,627,213 | $292,524 | $280,000 |
| Selling General And Administration | $20,106,080 | $18,821,487 | $2,222,969 | $2,072,041 |
| Other Gand A | $18,362,187 | $16,728,081 | $16,216,690 | $15,000,487 |
| Salaries And Wages | $1,743,893 | $2,093,406 | $2,222,969 | $2,072,041 |
| Total Unusual Items | - | - | - | - |
| Total Unusual Items Excluding Goodwill | - | - | - | - |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $17,902,644 | $18,275,617 | $13,315,506 | $11,308,738 |
| Total Assets | $134,890,214 | $107,208,447 | $106,934,670 | $97,912,969 |
| Total Non Current Assets | $11,479,560 | $12,052,409 | $9,693,564 | $10,503,017 |
| Other Non Current Assets | $362,949 | $357,877 | $355,357 | $355,357 |
| Non Current Deferred Assets | $4,526,228 | $4,580,440 | $1,504,000 | $1,504,000 |
| Non Current Deferred Taxes Assets | $4,526,228 | $4,580,440 | $1,504,000 | $1,504,000 |
| Goodwill And Other Intangible Assets | $9,759 | $881,346 | $1,753,333 | $2,625,360 |
| Current Assets | $123,410,654 | $95,156,038 | $97,241,106 | $87,409,953 |
| Other Current Assets | $75,539,857 | $47,689,506 | $45,343,674 | $50,187,457 |
| Restricted Cash | $4,795,537 | $4,890,101 | $5,310,095 | $4,909,501 |
| Prepaid Assets | $29,904,948 | $27,567,493 | $33,444,704 | $21,724,883 |
| Inventory | $461,675 | $403,796 | $422,808 | $507,355 |
| Receivables | $5,274,586 | $6,548,251 | $5,564,138 | $4,371,640 |
| Taxes Receivable | $0 | $1,494,612 | $0 | - |
| Accounts Receivable | $5,274,586 | $5,053,639 | $5,564,138 | $4,371,640 |
| Allowance For Doubtful Accounts Receivable | $-404,132 | $-324,000 | $-319,000 | $-319,000 |
| Gross Accounts Receivable | $5,678,718 | $5,377,639 | $5,883,138 | $4,690,640 |
| Cash Cash Equivalents And Short Term Investments | $7,434,051 | $8,056,891 | $7,155,687 | $5,709,117 |
| Cash And Cash Equivalents | $7,434,051 | $8,056,891 | $7,155,687 | $5,709,117 |
| Debt | ||||
| Total Debt | $3,889,816 | $3,866,140 | $3,379,010 | $3,027,689 |
| Long Term Debt And Capital Lease Obligation | $2,960,694 | $3,105,879 | $2,638,124 | $2,353,941 |
| Long Term Debt | $1,074,711 | $571,862 | $718,980 | $14,994 |
| Current Debt And Capital Lease Obligation | $929,122 | $760,261 | $740,886 | $673,748 |
| Current Debt | $289,317 | $147,581 | $107,270 | $56,429 |
| Other Current Borrowings | $289,317 | $147,581 | $107,270 | $56,429 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $116,977,811 | $88,051,484 | $91,865,831 | $83,978,871 |
| Total Non Current Liabilities Net Minority Interest | $2,960,694 | $3,105,879 | $2,638,124 | $2,353,941 |
| Current Liabilities | $114,017,117 | $84,945,605 | $89,227,707 | $81,624,930 |
| Other Current Liabilities | $74,180,475 | $47,104,006 | $44,899,603 | $49,737,068 |
| Current Deferred Liabilities | $29,904,948 | $27,567,493 | $33,444,704 | $21,724,883 |
| Payables And Accrued Expenses | $3,422,098 | $3,726,628 | $4,005,891 | $3,824,236 |
| Payables | $1,207,176 | $1,731,380 | $1,326,094 | $1,179,476 |
| Total Tax Payable | $326,586 | $474,561 | $294,953 | $320,854 |
| Accounts Payable | $880,590 | $1,256,819 | $1,031,141 | $858,622 |
| Equity | ||||
| Common Stock Equity | $17,912,403 | $19,156,963 | $15,068,839 | $13,934,098 |
| Total Equity Gross Minority Interest | $17,912,403 | $19,156,963 | $15,068,839 | $13,934,098 |
| Stockholders Equity | $17,912,403 | $19,156,963 | $15,068,839 | $13,934,098 |
| Other Equity Interest | $-7,100,573 | $-6,914,563 | $-6,907,775 | $-5,697,900 |
| Retained Earnings | $-70,544,995 | $-68,032,656 | $-71,338,153 | $-70,863,049 |
| Other | ||||
| Treasury Shares Number | $3,832,474 | $3,292,764 | $2,339,083 | $1,946,937 |
| Ordinary Shares Number | $27,729,704 | $26,609,651 | $26,332,523 | $25,097,963 |
| Share Issued | $31,562,178 | $29,902,415 | $28,671,606 | $27,044,900 |
| Tangible Book Value | $17,902,644 | $18,275,617 | $13,315,506 | $11,308,738 |
| Invested Capital | $19,276,431 | $19,876,406 | $15,895,089 | $14,005,521 |
| Working Capital | $9,393,537 | $10,210,433 | $8,013,399 | $5,785,023 |
| Capital Lease Obligations | $2,525,788 | $3,146,697 | $2,552,760 | $2,956,266 |
| Total Capitalization | $18,987,114 | $19,728,825 | $15,787,819 | $13,949,092 |
| Treasury Stock | $6,837,181 | $5,770,592 | $4,362,150 | $3,749,027 |
| Additional Paid In Capital | $102,363,590 | $99,676,457 | $97,479,830 | $94,048,603 |
| Capital Stock | $31,562 | $198,317 | $197,087 | $195,471 |
| Common Stock | $31,562 | $198,317 | $197,087 | $195,471 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $1,885,983 | $2,534,017 | $1,919,144 | $2,338,947 |
| Current Deferred Revenue | $2,281,220 | $1,918,805 | $1,865,731 | $1,554,122 |
| Current Capital Lease Obligation | $639,805 | $612,680 | $633,616 | $617,319 |
| Current Provisions | $5,580,474 | $5,787,217 | $6,136,623 | $5,664,995 |
| Current Accrued Expenses | $2,214,922 | $1,995,248 | $2,679,797 | $2,644,760 |
| Net PPE | $6,580,624 | $6,232,746 | $6,080,874 | $6,018,300 |
| Accumulated Depreciation | $-11,119,911 | $-10,054,393 | $-8,597,237 | $-7,387,732 |
| Gross PPE | $17,700,535 | $16,287,139 | $14,678,111 | $13,406,032 |
| Leases | $207,624 | $221,216 | $207,624 | $207,624 |
| Other Properties | $6,268,038 | $6,662,137 | $5,963,489 | $5,325,981 |
| Machinery Furniture Equipment | $11,224,873 | $9,403,786 | $8,506,998 | $7,872,427 |
| Properties | $0 | $0 | $0 | $0 |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-23,630 | $1,904,370 | $2,672,726 | $-17,848,719 |
| Operating Activities | ||||
| Operating Cash Flow | $1,513,752 | $2,896,251 | $3,507,690 | $-17,036,477 |
| Cash Flow From Continuing Operating Activities | $1,513,752 | $2,896,251 | $3,507,690 | $-17,036,477 |
| Operating Gains Losses | - | $18,340 | - | $20,963 |
| Investing Activities | ||||
| Capital Expenditure | $-1,537,382 | $-991,881 | $-834,964 | $-812,242 |
| Investing Cash Flow | $-1,537,382 | $-944,381 | $-834,964 | $-812,242 |
| Cash Flow From Continuing Investing Activities | $-1,537,382 | $-944,381 | $-834,964 | $-812,242 |
| Capital Expenditure Reported | $-1,102,368 | $-796,004 | - | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-1,066,589 | $-1,408,442 | $-456,961 | $-1,344,569 |
| Issuance Of Capital Stock | $90,645 | $97,663 | $0 | $0 |
| Financing Cash Flow | $28,720,150 | $-5,143,468 | $6,056,794 | $-1,399,340 |
| Cash Flow From Continuing Financing Activities | $28,720,150 | $-5,143,468 | $6,056,794 | $-1,399,340 |
| Net Other Financing Charges | $29,051,509 | $-3,725,882 | $6,570,747 | - |
| Net Common Stock Issuance | $-975,944 | $-1,310,779 | $-456,961 | $-1,344,569 |
| Common Stock Issuance | $90,645 | $97,663 | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-147,157 | $-106,807 | $-56,992 | $-54,771 |
| Issuance Of Debt | $791,742 | $0 | - | $0 |
| Interest Paid Supplemental Data | $52,083 | $53,802 | $5,202 | $4,051 |
| Income Tax Paid Supplemental Data | $0 | $290,144 | $116,204 | $269,500 |
| Beginning Cash Position | $87,618,491 | $90,810,089 | $82,080,569 | $51,591,560 |
| Changes In Cash | $28,696,520 | $-3,191,598 | $8,729,520 | $-19,248,059 |
| Common Stock Payments | $-1,066,589 | $-1,408,442 | $-456,961 | $-1,344,569 |
| Net Issuance Payments Of Debt | $644,585 | $-106,807 | $-56,992 | $-54,771 |
| Net Long Term Debt Issuance | $644,585 | $-106,807 | $-56,992 | $-54,771 |
| Long Term Debt Payments | $-147,157 | $-106,807 | $-56,992 | $-54,771 |
| Long Term Debt Issuance | $791,742 | $0 | - | $0 |
| Net PPE Purchase And Sale | $-435,014 | $-148,377 | $-834,964 | $-812,242 |
| Sale Of PPE | $0 | $47,500 | $0 | - |
| Purchase Of PPE | $-435,014 | $-195,877 | $-834,964 | $-812,242 |
| Change In Working Capital | $313,809 | $-1,642,266 | $-165,546 | $-16,381,355 |
| Change In Other Working Capital | $267,851 | $-366,920 | $712,203 | $-1,299,370 |
| Change In Other Current Liabilities | $-620,909 | $593,937 | $-403,506 | $-16,444,184 |
| Change In Other Current Assets | $609,625 | $-619,666 | $374,701 | $-3,370 |
| Change In Payable | $-304,530 | $-138,087 | $252,689 | $853,965 |
| Change In Account Payable | $-304,530 | $-138,087 | $252,689 | $853,965 |
| Change In Prepaid Assets | $-773,882 | $-141,429 | $6,318 | $-23,426 |
| Change In Inventory | $-57,879 | $19,012 | $84,547 | $-72,823 |
| Change In Receivables | $1,193,533 | $-989,113 | $-1,192,498 | $607,853 |
| Changes In Account Receivables | $1,193,533 | $-989,113 | $-1,192,498 | $607,853 |
| Other Non Cash Items | $-112,179 | $-70,588 | $-123,562 | - |
| Stock Based Compensation | $1,743,893 | $2,093,406 | $2,190,369 | $2,072,041 |
| Provisionand Write Offof Assets | $80,132 | $5,000 | - | - |
| Deferred Tax | $54,212 | $-3,076,440 | $0 | $0 |
| Deferred Income Tax | $54,212 | $-3,076,440 | $0 | $0 |
| Depreciation Amortization Depletion | $1,946,224 | $2,263,302 | $2,081,533 | $2,735,118 |
| Depreciation And Amortization | $1,946,224 | $2,263,302 | $2,081,533 | $2,735,118 |
| Gain Loss On Sale Of PPE | $0 | $18,340 | $0 | - |
| Net Income From Continuing Operations | $-2,512,339 | $3,305,497 | $-475,104 | $-5,483,244 |
| Change In Payables And Accrued Expense | - | $-138,087 | - | - |
| Amortization Cash Flow | - | $871,987 | $872,027 | $1,538,534 |
| Amortization Of Intangibles | - | $871,987 | $872,027 | $1,538,534 |
| Depreciation | - | $1,391,315 | $1,209,506 | $1,196,584 |
| End Cash Position | - | - | $90,810,089 | - |
| Asset Impairment Charge | - | - | - | $0 |
| Gain Loss On Investment Securities | - | - | - | $20,963 |
| Net Business Purchase And Sale | - | - | - | - |
| Purchase Of Business | - | - | - | - |
Fetched: 2026-06-14