Usio, Inc. (USIO)

NASDAQ: USIO · Real-Time Price · USD

2.690

+0.115 (4.47%)

At close: Sep 30, 2026, 4:00 PM EDT

2.622

-0.068 (-2.55%)

After-hours: Sep 30, 2026, 5:20 PM EDT

Usio, Inc. Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	92.57	85.39	82.93	84.07	69.43	61.94
Revenue Growth	10.39%	2.97%	-1.35%	21.08%	12.08%	92.06%
Gross Profit	20.61	19.69	19.61	20.07	14.59	15.63
Operating Income	-1.12	-2.36	-1.47	-0.45	-5.21	-0.16
Net Income	-1.51	-2.51	3.31	-0.48	-5.48	-0.32
Earnings Per Share	-0.06	-0.09	0.12	-0.02	-0.27	-0.02
EPS Growth	-	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Output Solutions	22.92	20.82	20.77
Merchant Services	69.64	64.58	62.16
Total	92.57	85.39	82.93

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	6.39	7.43	8.06	7.16	5.71	7.26
Total Debt	4.61	3.89	3.87	3.38	3.03	3.11
Net Cash (Debt)	1.77	3.54	4.19	3.78	2.68	4.15
Net Cash Growth	-55.96%	-15.43%	10.96%	40.85%	-35.37%	91.34%
Net Cash Per Share	0.06	0.13	0.16	0.14	0.13	0.21

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	0.66	1.51	2.9	3.51	-17.04	29.78
Capital Expenditures	-0.89	-0.44	-0.2	-0.83	-0.81	-1.27
Free Cash Flow	-0.24	1.08	2.7	2.67	-17.85	28.51
Free Cash Flow Growth	-	-60.05%	1.03%	-	-	424.21%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	22.26%	23.06%	23.65%	23.88%	21.02%	25.24%
Operating Margin	-1.21%	-2.76%	-1.77%	-0.53%	-7.51%	-0.25%
Pretax Margin	-0.85%	-2.34%	0.82%	-0.22%	-7.49%	-0.25%
Profit Margin	-1.63%	-2.94%	3.99%	-0.56%	-7.90%	-0.52%
FCF Margin	-0.26%	1.26%	3.26%	3.18%	-25.71%	46.03%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	-	-	11.98	-	-	-
Forward PE	67.25	144.00	12.17	25.94	76.18	-
P/FCF Ratio	-	34.43	14.67	16.93	-	3.84
PS Ratio	0.82	0.44	0.48	0.54	0.60	1.77