USIO
Usio, Inc.
Next earnings Aug 4, 2026 · consensus $-0.00 EPS, $24.1M rev
Last earnings +2.3% on 2026-05-13
$2.21
▲ +2.79%$2.21▲ +56.74%
over 1Y
L $1.05EODHDH $2.21
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.8%
1W+23.5%
1M+34.8%
3M+97.3%
YTD+60.1%
1Y+56.7%
Avoid
Conviction
Horizon
Medium (3–12mo)
Street · 10 analysts
Buy
Unprofitable (net margin -2.9%).
Revenue (FY2025) $85.4M · FY2025
Usio, Inc. shows $85.4M in FY2025 revenue (+3.0% YoY), a -2.9% net margin, and -14.0% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $61.9M | $69.4M | $84.1M | $82.9M | $85.4M |
| Gross profit | $15.6M | $14.6M | $20.1M | $19.6M | $19.7M |
| Operating income | -$155K | -$5.21M | -$447K | -$1.47M | -$2.36M |
| Net income | -$322K | -$5.48M | -$475K | $3.31M | -$2.51M |
| Diluted EPS | -$0.02 | -$0.27 | -$0.02 | $0.12 | -$0.09 |
| Net margin | -0.5% | -7.9% | -0.6% | 4.0% | -2.9% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$55.2M
EV / EBITDA—
EV / Sales0.6
EV / FCF51.2
P / FCF56.8
PEG (trailing)—
Earnings yield-4.1%
FCF yield1.8%
Quality & risk
ROIC (est.)-9.7%
Free cash flow$1.08M
Total debt$1.36M
Net cash$6.07M
Altman Z-Score0.24 distress
Piotroski F-Score2/9
Capital returns
Buyback yield1.7%
Dividend yield (est.)—
Shareholder yield1.7%
Shares Δ YoY+4.6%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-212026-06-23open ↗4Period ending 2026-06-212026-06-23open ↗4Period ending 2026-06-212026-06-23open ↗4/APeriod ending 2026-06-212026-06-23open ↗4Period ending 2026-06-212026-06-22open ↗4Period ending 2026-06-212026-06-22open ↗4Period ending 2026-06-212026-06-22open ↗4Period ending 2026-06-212026-06-22open ↗8-KPeriod ending 2026-06-172026-06-17open ↗8-K/APeriod ending 2026-06-102026-06-16open ↗4Period ending 2026-06-112026-06-15open ↗4Period ending 2026-06-112026-06-15open ↗
Frequently asked
- Is Usio, Inc. (USIO) a buy?
- USIO currently carries a Avoid rating with 4/5 conviction, derived from its latest SEC filings. Unprofitable (net margin -2.9%).
- What is Usio, Inc.'s quality score?
- USIO scores 47.39215686274509/100 (grade D) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001088034, latest 10-Q filed 2026-05-13) · EODHD · as of 6/26/2026, 7:37:44 PM.
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