Usio, Inc.
USIO· Nasdaq· Functions Related To Depository Banking, NEC
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- 1.3%
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +21.5%
We record prices for the companies we cover; USIO is not one of them yet.
Company statistics
Profile · FY2025
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 26.9M
- Revenue
- $85.4M
- Free cash flow
- $1.1M
- Owner earnings
- -$665.2K
Valuation · FY2025
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2025
- Gross
- 23.1%
- Operating
- -2.8%
- Net
- -2.9%
- Free cash flow
- 1.3%
- Owner earnings
- -0.8%
- Stock pay
- 2.0%
Returns
- ROIC, FY2025
- –
- ROIC, 5 yr avg
- –
- ROE, FY2025
- -14.0%
- ROE, 5 yr avg
- -8.2%
Growth (CAGR)
- Revenue, 3 yr
- 7.1%
- Revenue, 5 yr
- 21.5%
- Revenue, 9 yr
- 24.3%
- Diluted EPS, 3 yr
- –
- Diluted EPS, 5 yr
- –
- Diluted EPS, 9 yr
- –
- Free cash flow, 3 yr
- –
- Free cash flow, 5 yr
- -27.6%
- Free cash flow, 9 yr
- 5.0%
Financial health · FY2025
- Cash and investments
- $7.4M
- Total debt
- $1.4M
- Net cash
- $6.1M
- Debt/Equity
- 0.1x
- Debt/FCF
- 1.3x
Shareholder returns · FY2025
- Dividend yield
- –
- Payout ratio
- –
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- 11.8%
Financials: ten years from the 10-Ks
Revenue
$85.4M
+24.3% a year over 9 years
FY2016FY2025
Margins
Gross23.1%Operating-2.8%Net-2.9%
FY2025
FY2016FY2025
Free cash flow and owner earnings
Free cash flow$1.1MOwner earnings-$665.2K
Free cash flow +5.0% a year
FY2016FY2025
Diluted shares
26.9M
+243.5% over 9 years, net dilution
FY2016FY2025
Net cash
$6.1M
$6.1M more cash than debt
FY2016FY2025
Every figure, year by year
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | $12.1M | $14.6M | $25.0M | $28.2M | $32.3M | $61.9M | $69.4M | $84.1M | $82.9M | $85.4M |
| Revenue growth | -16.0% | 20.7% | 71.7% | 12.7% | 14.4% | 92.1% | 12.1% | 21.1% | -1.3% | 3.0% |
| Gross margin | – | 25.9% | 22.3% | 21.1% | 22.9% | 25.2% | 21.0% | 23.9% | 23.7% | 23.1% |
| Operating margin | -11.3% | -19.5% | -15.1% | -18.0% | -11.6% | -0.3% | -7.5% | -0.5% | -1.8% | -2.8% |
| Net income | -$1.2M | -$3.0M | -$3.8M | -$5.1M | -$2.9M | -$321.6K | -$5.5M | -$475.1K | $3.3M | -$2.5M |
| Net margin | -9.9% | -20.6% | -15.1% | -18.1% | -9.0% | -0.5% | -7.9% | -0.6% | 4.0% | -2.9% |
| Diluted EPS | $-0.15 | $-0.33 | $-0.31 | $-0.39 | $-0.19 | $-0.02 | $-0.27 | $-0.02 | $0.12 | $-0.09 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $848.4K | -$936.5K | -$2.8M | -$3.7M | $6.3M | $29.8M | -$17.0M | $3.5M | $2.9M | $1.5M |
| Capital expenditure | $155.6K | $372.3K | $703.1K | $647.4K | $855.4K | $1.3M | $812.2K | $835.0K | $195.9K | $435.0K |
| Free cash flow | $692.9K | -$1.3M | -$3.5M | -$4.4M | $5.4M | $28.5M | -$17.8M | $2.7M | $2.7M | $1.1M |
| Stock-based compensation | $1.3M | $968.1K | $1.3M | $1.3M | $1.5M | $1.5M | $2.1M | $2.2M | $2.1M | $1.7M |
| Owner earnings? | -$621.9K | -$2.3M | -$4.7M | -$5.7M | $4.0M | $27.0M | -$19.9M | $449.8K | $607.0K | -$665.2K |
| Free cash flow per share | $0.09 | $-0.15 | $-0.29 | $-0.34 | $0.35 | $1.42 | $-0.88 | $0.10 | $0.10 | $0.04 |
| Capital allocation | ||||||||||
| Dividends paid | – | – | – | – | – | – | – | – | – | – |
| Share repurchases | $431.8K | $112.9K | $982.5K | $71.9K | $280.3K | $238.7K | $1.3M | $457.0K | $1.4M | $1.1M |
| Diluted shares | 7.8M | 9.0M | 12.1M | 13.0M | 15.4M | 20.0M | 20.4M | 26.5M | 26.9M | 26.9M |
| Share count change? | -34.6% | 14.8% | 34.8% | 6.8% | 19.1% | 29.8% | 1.8% | 30.0% | 1.4% | 0.3% |
| Balance sheet | ||||||||||
| Cash and equivalents | $4.1M | $4.6M | $2.2M | $2.1M | $5.0M | $7.3M | $5.7M | $7.2M | $8.1M | $7.4M |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | – | – | – | – | $0 | $126.2K | $71.4K | $826.3K | $719.4K | $1.4M |
| Net debt | – | – | – | – | -$5.0M | -$7.1M | -$5.6M | -$6.3M | -$7.3M | -$6.1M |
| Shareholders' equity | $9.0M | $13.1M | $9.6M | $7.6M | $16.7M | $18.7M | $13.9M | $15.1M | $19.2M | $17.9M |
Latest filings
| 2026-08-12 | 10-Q | Quarterly report |
| 2026-08-12 | 8-K | Earnings release |
| 2026-05-13 | 8-K | Earnings release |
| 2026-05-13 | 10-Q | Quarterly report |
| 2026-04-29 | DEF 14A | Proxy statement |
| 2026-03-18 | 8-K | Earnings release |
| 2026-03-18 | 10-K | Annual report |
| 2026-01-27 | 8-K | Earnings release |
| 2025-11-12 | 10-Q | Quarterly report |
| 2025-11-12 | 8-K | Earnings release |
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