Usio, Inc. USIO

Financials SIC 6099 - Functions Related To Depository Banking, NEC NAICS Finance and Insurance › Credit Intermediation and Related Activities › Activities Related to Credit Intermediation › Financial Transactions Processing, Reserve, and Clearinghouse Activities derived Nasdaq

As a cloud-based, Fintech payment processor, we serve multiple industry verticals with technology that facilitates payment acceptance and funds disbursement in a single, full-stack ecosystem. We provide payment acceptance through multiple payment methods including: payment facilitation, prepaid card and electronic billing products and services to businesses, merchants and consumers. We seek to grow our business both organically through the continued development and enhancement of our products and services and through acquisitions of new products and services. We will continue to look for opportunities (both internally and externally) to enhance our offerings to meet customer demands as they arise.

Last close 3.14 2026-10-23
Market cap $89.5M 2026-06-30 share count
52-week range 1.03 - 3.29

Valuation FY2025 figures against the last close

P/S1.0x
P/E—
P/FCF82.9x
EV/EBITDA—
Dividend yield—
Diluted EPS-0.09

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $85.4M$82.9M$84.1M$69.4M$61.9M$32.3M$28.2M$25.0M$14.6M$12.1M
Cost of revenue $65.7M$63.3M$64.0M$54.8M$46.3M$24.9M$22.3M$19.5M$10.8M$8.3M
Gross profit $19.7M$19.6M$20.1M$14.6M$15.6M$7.4M$5.9M$5.6M$3.8M$3.8M
SG&A $18.4M$16.7M————————
Total operating expenses $22.1M$21.1M$20.5M$19.8M$15.8M$11.1M$11.0M$9.3M$6.6M$13.4M
Operating income -$2.4M-$1.5M-$447.4K-$5.2M-$155.4K-$3.8M-$5.1M-$3.8M-$2.8M-$1.4M
Interest expense $52.1K$53.8K$5.2K$4.1K$4.3K$902$81.8K$76.6K$101.0K$97.3K
Pre-tax income -$2.0M$678.3K-$182.6K-$5.2M-$151.8K-$2.9M-$5.0M-$3.7M-$2.7M-$1.2M
Income tax $512.8K$2.6M$292.5K$280.0K$169.9K$23.1K$101.9K$77.8K$274.3K$32.7K
Net income -$2.5M$3.3M-$475.1K-$5.5M-$321.6K-$2.9M-$5.1M-$3.8M-$3.0M-$1.2M
EPS, basic -0.090.12-0.02-0.27-0.02-0.19-0.39-0.31-0.33-0.15
EPS, diluted -0.090.12-0.02-0.27-0.02-0.19-0.39-0.31-0.33-0.15
Shares, diluted (wtd. avg.) 26.9M26.9M26.5M20.4M20.0M15.4M13.0M12.1M9.0M7.8M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $7.4M$8.1M$7.2M$5.7M$7.3M$5.0M$2.1M$2.2M$4.6M$4.1M
Receivables $5.3M$5.1M$5.6M$4.4M$5.0M$2.9M$1.3M$1.2M$969.7K$907.8K
Inventory $461.7K$403.8K$422.8K$507.4K$434.5K$176.5K————
Total current assets $123.4M$95.2M$97.2M$87.4M$121.3M$69.1M$53.0M$60.9M$59.1M$65.0M
Property, plant and equipment $4.2M$3.2M$3.7M$3.2M$3.6M$3.1M$1.6M$1.9M$2.1M$2.5M
Other intangibles $9.8K$881.3K$1.8M$2.6M$4.2M$6.0M$2.7M$3.7M$4.7M$172.9K
Total assets $134.9M$107.2M$106.9M$97.9M$133.7M$82.7M$61.6M$68.2M$67.4M$69.5M
Accounts payable $880.6K$1.3M$1.0M$858.6K$1.4M$851.3K$419.8K$308.2K$300.7K$145.0K
Short-term debt $289.3K$147.6K$107.3K$56.4K$54.8K$0————
Total current liabilities $114.0M$84.9M$89.2M$81.6M$112.5M$63.5M$51.7M$58.5M$54.3M$60.5M
Long-term debt $1.1M$571.9K$719.0K$15.0K$71.4K$0————
Total liabilities $117.0M$88.1M$91.9M$84.0M$115.0M$66.0M$54.0M$58.6M$54.3M—
Retained earnings -$70.5M-$68.0M-$71.3M-$70.9M-$65.4M-$65.1M-$62.2M-$57.0M-$53.3M-$50.3M
Total equity $17.9M$19.2M$15.1M$13.9M$18.7M$16.7M$7.6M$9.6M$13.1M$9.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $1.5M$2.9M$3.5M-$17.0M$29.8M$6.3M-$3.7M-$2.8M-$936.5K$848.4K
Depreciation and amortisation $1.9M$2.3M$1.2M$1.2M$771.8K$518.2K$1.0M$875.6K$761.7K$738.5K
Stock-based compensation $1.7M$2.1M$2.2M$2.1M$1.5M$1.5M$1.3M$1.3M$968.1K$1.3M
Capital expenditure $435.0K$195.9K$835.0K$812.2K$1.3M$855.4K$647.4K$703.1K$372.3K$155.6K
Investing cash flow -$1.5M-$944.4K-$835.0K-$812.2K-$1.3M-$6.8M-$647.4K-$698.1K-$1.8M-$355.6K
Financing cash flow $28.7M-$5.1M$6.1M-$1.4M$887.5K$10.0M$1.7M-$982.5K$2.6M-$431.8K
Buybacks $1.1M$1.4M$457.0K$1.3M$238.7K$280.3K$71.9K$982.5K$112.9K$431.8K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001437749-26-008833.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -25M 0 25M 50M 75M 100M Revenue, FY2016: 12.1M Gross profit, FY2016: 3.8M Net income, FY2016: -1.2M Revenue, FY2017: 14.6M Gross profit, FY2017: 3.8M Net income, FY2017: -3M Revenue, FY2018: 25M Gross profit, FY2018: 5.6M Net income, FY2018: -3.8M Revenue, FY2019: 28.2M Gross profit, FY2019: 5.9M Net income, FY2019: -5.1M Revenue, FY2020: 32.3M Gross profit, FY2020: 7.4M Net income, FY2020: -2.9M Revenue, FY2021: 61.9M Gross profit, FY2021: 15.6M Net income, FY2021: -321.6K Revenue, FY2022: 69.4M Gross profit, FY2022: 14.6M Net income, FY2022: -5.5M Revenue, FY2023: 84.1M Gross profit, FY2023: 20.1M Net income, FY2023: -475.1K Revenue, FY2024: 82.9M Gross profit, FY2024: 19.6M Net income, FY2024: 3.3M Revenue, FY2025: 85.4M Gross profit, FY2025: 19.7M Net income, FY2025: -2.5M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $12.1M $14.6M $25.0M $28.2M $32.3M $61.9M $69.4M $84.1M $82.9M $85.4M
Gross profit $3.8M $3.8M $5.6M $5.9M $7.4M $15.6M $14.6M $20.1M $19.6M $19.7M
Net income -$1.2M -$3.0M -$3.8M -$5.1M -$2.9M -$321.6K -$5.5M -$475.1K $3.3M -$2.5M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder rights changed The terms attaching to the shares themselves have changed. Item 3.03
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Charter or fiscal year changed Item 5.03
  • Shareholder vote Item 5.07
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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