USIO
Usio, Inc.
$2.23
-0.18 (-7.47%)
At close · Jul 16
Market Cap
$61.54M
Shares
27,595,994
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$85.39M
+3%
FY2025
Net Income
-$2.51M
-176%
FY2025
Gross Margin
23.06%
-0.6pp
FY2025
Operating Margin
-2.76%
-1pp
FY2025
Diluted EPS
-$0.09
-175%
FY2025
Operating Cash Flow
$1.51M
-47.7%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $88.85M | $85.39M | $82.93M | $84.07M | $69.43M | $61.94M | $32.25M | $28.2M | $25.02M | $14.57M | $12.08M | $14.38M | $13.4M | $5.18M | $7.35M | $4.81M | $2.62M | |
| -$5131 | — | — | — | — | -$4314 | $902 | $81.79K | $76.55K | $100.96K | $97.32K | $79.01K | $66.79K | — | — | — | — | |
| $68.83M | $65.7M | $63.32M | $63.99M | $54.84M | $46.31M | $24.88M | $22.25M | $19.45M | — | — | — | — | — | — | — | — | |
| $20.02M | $19.69M | $19.61M | $20.07M | $14.59M | $15.63M | $7.38M | $5.95M | $5.57M | $3.77M | — | — | — | — | — | — | — | |
| — | 23.06% | 23.65% | 23.88% | 21.02% | 25.24% | 22.87% | 21.1% | 22.26% | 25.86% | — | — | — | — | — | — | — | |
| $18.58M | $18.36M | $16.73M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| — | — | $871.99K | $872.03K | $1.54M | $1.87M | $1M | $1M | $1M | $496.47K | $163.14K | $29.76K | — | — | — | — | — | |
| $1.68M | $1.95M | $2.26M | $2.08M | $2.74M | $2.64M | $1.52M | $2.02M | $1.88M | $1.26M | $901.6K | $496.37K | $40.95K | $31.65K | $6860 | $3722 | $23.51K | |
| $21.91M | $22.05M | $21.08M | $20.52M | $19.81M | $15.79M | $11.13M | $11.01M | $9.34M | $6.61M | $13.44M | $13.43M | $11.15M | $5.94M | $5.95M | $4.44M | $3.23M | |
| -$1.89M | -$2.36M | -$1.47M | -$447.36K | -$5.21M | -$155.38K | -$3.76M | -$5.06M | -$3.77M | -$2.84M | -$1.36M | $946.88K | $2.25M | -$755.43K | $1.39M | $373K | -$609.73K | |
| — | -2.76% | -1.77% | -0.53% | -7.51% | -0.25% | -11.65% | -17.95% | -15.08% | -19.47% | -11.27% | 6.58% | 16.76% | -14.58% | 18.94% | 7.75% | -23.28% | |
| -$218.11K | -$413.38K | $792.96K | $1.63M | -$2.48M | $2.49M | -$2.24M | -$3.04M | -$1.9M | -$1.58M | -$458.97K | $1.44M | $2.29M | -$723.78K | $1.4M | $376.72K | -$586.22K | |
| $63.07K | $52.08K | $53.8K | $5202 | $4051 | $4314 | — | — | — | — | — | — | — | — | — | — | — | |
| $419.64K | $407.16K | $464.75K | $219.99K | $15.24K | $7643 | $59.39K | — | — | — | — | — | — | — | — | — | — | |
| — | $360.08K | $2.15M | $264.78K | $11.19K | $3608 | $873.79K | $49.14K | $76.47K | $102.55K | $196.6K | $144.5K | $111.06K | -$1350 | -$39.76K | -$2782 | $160K | |
| -$1.53M | -$2M | $678.28K | -$182.58K | -$5.2M | -$151.77K | -$2.88M | -$5.01M | -$3.7M | -$2.73M | -$1.16M | $1.09M | $2.36M | -$756.78K | $1.35M | $370.22K | -$449.73K | |
| $622.13K | $512.81K | -$2.63M | $292.52K | $222.52K | $169.86K | $23.11K | $101.89K | $77.78K | $274.32K | $32.67K | $75.29K | -$1.48M | $32.26K | $76.01K | $18.37K | $14.44K | |
| -$2.15M | -$2.51M | $3.31M | -$475.1K | -$5.48M | -$321.63K | -$2.91M | -$5.12M | -$3.78M | -$3.01M | -$1.2M | $1.02M | $3.84M | -$789.04K | $1.28M | $351.85K | -$464.17K | |
| — | -2.94% | 3.99% | -0.57% | -7.9% | -0.52% | -9.01% | -18.14% | -15.09% | -20.65% | -9.91% | 7.07% | 28.65% | -15.23% | 17.36% | 7.31% | -17.72% | |
| -$2.15M | -$2.51M | $3.31M | -$475.1K | -$5.48M | -$321.63K | -$2.91M | -$5.12M | — | — | — | — | — | — | — | — | — | |
| USD/shares | — | -$0.09 | $0.12 | -$0.02 | -$0.27 | -$0.02 | -$0.19 | -$0.39 | -$0.31 | -$0.33 | -$0.15 | $0.14 | $0.59 | -$0.01 | $0.01 | $0.00 | — |
| USD/shares | — | -$0.09 | $0.12 | -$0.02 | -$0.27 | -$0.02 | -$0.19 | -$0.39 | -$0.31 | -$0.33 | -$0.15 | $0.08 | $0.41 | -$0.01 | $0.01 | $0.00 | — |
| shares | — | 26.93M | 26.85M | 26.49M | 20.38M | 20.03M | 15.43M | 12.96M | 12.13M | 9M | 7.84M | 7.39M | 6.47M | 96.9M | 133.05M | 131.99M | 121.51M |
| shares | — | 26.93M | 26.85M | 26.49M | 20.38M | 20.03M | 15.43M | 12.96M | 12.13M | 9M | 7.84M | 11.99M | 9.26M | 96.9M | 136.96M | 135.94M | 121.51M |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2010–FY2025: $6.44M in buybacks.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
0.62×
Software - Infrastructure median 2.36×
EV/EBIT
—
Software - Infrastructure median 19.74×
P/E (TTM)
—
Software - Infrastructure median 28.97×
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Merchant Services | $64,577,323 | $62,161,916 |
| Output Solutions | $20,816,303 | $20,769,924 |
By Product & Service (USD)
| Component | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|---|
| Credit Card Revenue | $30,012,875 | $29,267,546 | $28,476,591 | $27,121,621 | $25,174,579 | $19,453,501 |
| ACH and Complementary Service Revenue | $22,199,050 | $16,678,324 | $14,888,973 | $14,782,606 | $15,432,787 | $8,471,705 |
| Output Solutions | $20,645,353 | $20,618,996 | $20,496,195 | $18,406,388 | $14,792,299 | $1,160,037 |
| Prepaid Card Services Revenue | $11,004,704 | $14,080,650 | $18,729,350 | $9,117,670 | $6,542,651 | $3,166,580 |
| Ach And Complementary Service Interest Revenue | $745,252 | $789,717 | $495,972 | — | — | — |
| Prepaid Card Services Interest Revenue | $615,442 | $1,345,679 | $932,048 | — | — | — |
| Output Solutions Interest | $170,950 | $150,928 | $47,116 | — | — | — |