Usio, Inc. (USIO)

NASDAQ: USIO · Real-Time Price · USD

2.050

0.00 (0.00%)

Nov 13, 2026, 2:08 PM EST - Market open

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	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
Revenue	95.15	85.39	82.93	84.07	69.43	61.94
Revenue Growth	13.67%	2.97%	-1.35%	21.08%	12.08%	92.06%
Gross Profit	21.47	19.69	19.61	20.07	14.59	15.63
Operating Income	-0.38	-2.36	-1.47	-0.45	-5.21	-0.16
Net Income	-0.88	-2.51	3.31	-0.48	-5.48	-0.32
Earnings Per Share	-0.03	-0.09	0.12	-0.02	-0.27	-0.02
EPS Growth	-	-	-	-	-	-

Revenue by Segment

Fiscal Year	FY 2025	FY 2024
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Output Solutions	20.82	20.77
Merchant Services	64.58	62.16
Total	85.39	82.93

Cash & Debt

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
Cash & Investments	7.34	7.43	8.06	7.16	5.71	7.26
Total Debt	4.65	3.89	3.87	3.38	3.03	3.11
Net Cash (Debt)	2.68	3.54	4.19	3.78	2.68	4.15
Net Cash Growth	-36.49%	-15.43%	10.96%	40.85%	-35.37%	91.34%
Net Cash Per Share	0.10	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	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
Operating Cash Flow	3.4	1.51	2.9	3.51	-17.04	29.78
Capital Expenditures	-2.15	-0.44	-0.2	-0.83	-0.81	-1.27
Free Cash Flow	1.24	1.08	2.7	2.67	-17.85	28.51
Free Cash Flow Growth	-39.38%	-60.05%	1.03%	-	-	424.21%

Margins

Fiscal Year	TTM	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
Gross Margin	22.57%	23.06%	23.65%	23.88%	21.02%	25.24%
Operating Margin	-0.40%	-2.76%	-1.77%	-0.53%	-7.51%	-0.25%
Pretax Margin	-0.09%	-2.34%	0.82%	-0.22%	-7.49%	-0.25%
Profit Margin	-0.92%	-2.94%	3.99%	-0.56%	-7.90%	-0.52%
FCF Margin	1.31%	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	Nov '26 Nov 13, 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	7.96	144.00	12.17	25.94	76.18	-
P/FCF Ratio	46.93	34.43	14.67	16.93	-	3.84
PS Ratio	0.61	0.44	0.48	0.54	0.60	1.77