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Usio, Inc. USIO TECH

Technology · Software - Infrastructure · United States
https://usio.com
Company Profile ↓
$2.74
+69.14% 1Y
Mkt Cap$78.08M
P/E-45.67
P/B3.60
52W High$2.94
52W Low$1.05
Book Value$0.66
EPS (TTM)$-0.06

Company Overview

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic payment processing services to merchants and businesses, including credit, and debit card-based processing services and electronic funds transfer through the ACH network. In addition, it offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, and Discover supported by online and physical terminal access. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a payment facilitation platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 28.3% CAGR over the past five years.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.25.

Recent Developments

  • Dec 2025 Revenue of $85.39M (+3.0% YoY); net profit $-2.51M.
  • Trailing 12 Months Year-on-year growth — revenue +18.6%, earnings -176.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 28.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:28.26%
1 Year:18.60%

Compounded Profit Growth

5 Years:-
1 Year:-176.00%

Stock Price Performance

1 Year:+69.14%
6 Months:+107.58%
3 Months:+83.89%
1 Month:+18.10%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 89% of range
$1.05 $2.94
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.33 · Neutral
Price Performance
1M+18.10%
3M+83.89%
6M+107.58%
1Y+69.14%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 28.3% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
-45.67
Industry PE
29.22
Forward P/E
39.14
PEG Ratio
0.95
Book Value
$0.66
Price to Book
3.60
P/S
0.73
EV/EBITDA
172.08
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
28.26%
Profit 5Y
-
Revenue (YoY)
18.60%
Earnings (YoY)
-176.00%

Profitability & Returns

ROCE
-11.30%
ROE
-8.04%
ROA
-0.60%
Profit Margin
-1.63%
Op Margin
1.59%
Gross Margin
22.26%
EPS (Latest Qtr)
$0.00
EPS (TTM)
$-0.06

Balance Sheet & Liquidity

Debt/Equity
0.25
Quick Ratio
0.13
Current Ratio
1.10
Debt
$4.61M
Total Assets
$120.19M
Current Assets
$107.29M
Working Capital
$9.39M

Ownership

Promoter Holding
35.08%
Chg in Prom Hold
0.07%
FII / Inst Holding
24.78%
Chg in FII Hold
0.03%

Financial Snapshot

Enterprise Value
$78.08M
Total Revenue (TTM)
$92.57M
EBITDA
$377.19K
Free Cash Flow
$-559.65K
Operating Cash Flow
$656.03K
Shares Outstanding
28.50M
Gross Margin
22.26%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 USIO Usio, Inc. TECH 2.74 -45.67 $78.08M 0.00% -11.30% -8.04% 28.26% -
2 NVDA NVIDIA Corporation NDXSPXR3KAITECH 225.73 28.50 $5.45T 0.46% 74.66% 117.21% 24.64% 32.12%
3 AAPL Apple Inc. NDXSPXR3KTECH 316.22 36.22 $4.61T 0.34% 68.72% 148.75% 1.81% 3.92%
4 MSFT Microsoft Corporation NDXSPXR3KAITECH 493.95 27.49 $3.67T 0.79% 26.33% 34.04% 9.93% 11.90%
5 TSM Taiwan Semiconductor Manufacturing Company Limited AITECH 439.00 32.71 $2.28T 0.95% 30.20% 39.97% 18.94% 19.57%
6 AVGO Broadcom Inc. NDXSPXR3KAITECH 368.56 46.95 $1.75T 0.71% 16.70% 44.25% 17.04% 54.08%
7 MU Micron Technology, Inc. NDXSPXR3KAITECH 1,000.26 22.59 $1.13T 0.05% 13.69% 66.64% 13.68% 26.02%
8 AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH 505.74 128.36 $825.61B 0.00% 5.47% 10.20% 11.81% 66.28%
9 ASML ASML Holding N.V. NDXAITECH 1,764.85 59.89 $677.88B 0.51% 42.97% 53.94% 15.55% 19.55%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -----------2.55M3.59M5.84M6.28M6.47M6.59M7.16M7.09M7.77M6.96M8.14M13.46M15.23M15.82M18.11M16.22M16.40M21.45M21.44M20.98M20.97M20.08M21.32M-22.01M19.96M21.18M22.24M25.47M
Cost of Revenue -----------------------------------17.20M14.82M16.31M17.37M20.33M
Gross Profit -----------696.03K824.62K1.27M1.32M1.46M1.34M1.57M1.55M1.93M1.29M1.72M2.91M4.13M4.03M3.51M3.26M3.13M4.90M5.19M4.66M4.85M4.80M4.90M-4.81M5.14M4.87M4.87M5.14M
Operating Expenses -----------------------------------5.05M5.54M5.33M6.13M4.91M
Operating Income -269.23K170.46K466.38K676.77K694.72K91.83K23.33K-46.41K-455.22K-574.90K-321.94K-548.74K-892.40K-1.06M-1.03M-822.92K-1.10M-1.26M-1.23M-869.33K-1.30M-911.36K-702.72K337.80K210.95K-1.55M-1.87M-1.70M5.99K230.69K-750.29K-281.96K-208.94K-376.65K--239.58K-396.97K-464.17K-1.26M225.71K
EBITDA -----------------------------------335.20K178.54K98.12K-613.08K542.95K
Interest Expense -----------------------------------11.84K11.73K11.33K17.18K22.83K
Pretax Income ------------------------------------172.42K-297.80K-346.05K-1.18M294.38K
Tax Provision -----------------------------------62.55K68.86K69.04K312.36K171.87K
Net Income -339.82K161.74K486.80K688.56K708.62K24.85K117.78K-32.00K-355.30K-565.96K-286.58K-534.34K-890.02K-1.05M-1.04M-813.17K-1.07M-1.28M-1.24M-835.01K-1.29M-936.02K-720.25K218.48K141.23K-1.62M-1.94M-1.77M14.83K205.04K-720.91K-250.19K75.49K2.85M--234.97K-366.65K-415.09K-1.50M122.50K
Diluted EPS 0.000.000.050.080.060.000.010.00-0.05-0.07-0.03-0.06-0.10-0.09-0.09-0.07-0.09-0.10-0.09-0.06-0.10-0.06-0.040.010.01-0.08-0.10-0.090.000.01-0.03-0.010.000.10--0.01-0.01-0.02-0.050.00

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 2.62M4.81M7.35M5.18M13.40M14.38M12.08M14.57M25.02M28.20M32.25M-69.43M84.07M82.93M85.39M
Cost of Revenue ------------54.84M63.99M63.32M65.70M
Gross Profit -------3.77M5.57M5.95M7.38M-14.59M20.07M19.61M19.69M
Operating Expenses ------------19.81M20.52M21.08M22.05M
Operating Income -609.73K373.00K1.39M-755.43K2.25M946.88K-1.36M-2.84M-3.77M-5.06M-3.76M--5.21M-447.36K-1.47M-2.36M
EBITDA -------------2.46M1.90M3.00M-1.22K
Interest Expense ------------4.05K5.20K53.80K52.08K
Pretax Income -------------5.20M-182.58K678.28K-2.00M
Tax Provision ------------280.00K292.52K-2.63M512.81K
Net Income -464.17K351.85K1.28M-789.04K3.84M1.02M-1.20M-3.01M-3.78M-5.12M-2.91M--5.48M-475.10K3.31M-2.51M
Diluted EPS -0.000.01-0.010.410.08-0.15-0.33-0.31-0.39-0.19--0.27-0.020.12-0.09

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -1.98M4.91M5.16M27.53M61.10M68.36M69.51M67.44M68.22M61.56M82.67M133.68M97.91M106.93M107.21M134.89M
Current Assets -------------87.41M97.24M95.16M123.41M
Cash & Equivalents 565.60K978.70K3.68M3.76M833.61K2.80M4.06M4.12M4.61M2.16M2.14M5.01M7.26M5.71M7.16M8.06M7.43M
Inventory -------------507.36K422.81K403.80K461.68K
Receivables -------------4.37M5.56M5.05M5.27M
Total Liabilities --------54.31M58.58M53.99M65.96M115.01M83.98M91.87M88.05M116.98M
Current Liabilities -2.12M4.30M3.02M26.89M54.08M59.24M60.50M54.31M58.50M51.71M63.47M112.46M81.62M89.23M84.95M114.02M
Long Term Debt -----------071.43K14.99K718.98K571.86K1.07M
Total Debt -------------3.03M3.38M3.87M3.89M
Total Equity -884.51K-134.31K611.31K2.14M638.80K7.02M9.12M9.01M13.12M9.63M7.57M16.70M18.67M13.93M15.07M19.16M17.91M
Shares Outstanding -------------27.04M28.67M29.90M31.56M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 413.81K2.40M475.06K23.18M2.01M2.09M848.44K-936.45K-2.76M-3.73M6.29M--17.04M3.51M2.90M1.51M
Investing Cash Flow -712-4.88K-93.96K-62.38K-36.77K-785.57K-355.55K-1.82M-698.11K-647.38K-6.76M--812.24K-834.96K-944.38K-1.54M
Financing Cash Flow 0300.00K-300.00K-301.25K0-48.24K-431.75K2.61M-982.49K1.72M9.98M--1.40M6.06M-5.14M28.72M
Capital Expenditure -993-4.88K-93.96K-62.38K-36.77K-785.57K-155.55K-372.34K-703.11K-647.38K-855.39K--812.24K-834.96K-991.88K-1.54M
Free Cash Flow 412.82K2.40M381.10K23.12M1.97M1.30M692.89K-1.31M-3.46M-4.38M5.44M--17.85M2.67M1.90M-23.63K
Net Change in Cash -------------19.25M8.73M-3.19M28.70M
Share Buybacks 30---48.24K431.75K112.91K982.49K71.91K280.27K238.74K1.34M456.96K1.41M1.07M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------25.9%22.3%21.1%22.9%-21.0%23.9%23.7%23.1%
Operating Margin % -23.3%7.7%18.9%-14.6%16.8%6.6%-11.3%-19.5%-15.1%-18.0%-11.6%--7.5%-0.5%-1.8%-2.8%
Net Margin % -17.7%7.3%17.4%-15.2%28.7%7.1%-9.9%-20.6%-15.1%-18.1%-9.0%--7.9%-0.6%4.0%-2.9%
ROE % 345.6%57.6%59.6%-123.5%54.6%11.1%-13.3%-22.9%-39.2%-67.6%-17.4%--39.4%-3.2%17.3%-14.0%
ROCE % 454.0%61.0%65.0%-118.3%32.0%10.4%-15.1%-21.6%-38.9%-51.4%-19.6%--32.0%-2.5%-6.6%-11.3%

Shareholding Pattern

Insiders
35.08%
Institutions
24.78%
Public Float
38.17%

Top Institutional Holders

#Holder% HeldSharesValue
1 Whittier Trust Company 9.52% 2.71M $6.43M
2 Vanguard Capital Management LLC 3.22% 917.46K $2.17M
3 Perkins Capital Management, Inc. 2.46% 700.37K $1.66M
4 Renaissance Technologies, LLC 1.53% 437.24K $1.04M
5 Geode Capital Management, LLC 0.65% 184.50K $437.27K
6 North Star Investment Management Corp 0.63% 180.00K $426.60K
7 Stonebridge Wealth Management, LLC 0.62% 177.08K $419.69K
8 Blackrock Inc. 0.39% 111.77K $264.89K
9 Vanguard Fiduciary Trust Co 0.37% 105.17K $249.26K
10 Rothschild Wealth, LLC 0.28% 79.70K $188.89K

Analyst View

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Latest News

Recent headlines for USIO

Google News Fri, 19 Jun 2026

Is Usio (USIO) Stock Outpacing Its Business Services Peers This Year? - finance.yahoo.com

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Google News hu, 03 Sep 2026

Usio (USIO) director reports 78,194 shares, 45,000 RSUs after vesting - Stock Titan

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Google News ue, 25 Aug 2026

Usio (USIO) Is Attractively Priced Despite Fast-paced Momentum - qz.com

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Google News hu, 13 Aug 2026

$USIO stock is up 23% today. Here's what we see in our data. - Quiver Quantitative

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USIO Forecast — Price Target — Prediction for 2027 - tradingview.com

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Google News ue, 25 Aug 2026

Usio (USIO) CEO uses 2,755 shares to cover tax bill on RSU vesting - Stock Titan

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USIO — Frequently Asked Questions

What is the current share price of Usio, Inc. (USIO)?

As of 2026-09-19 21:16 PDT, Usio, Inc. (USIO) trades at $2.74 on NasdaqGM. Its 52-week range is $1.05 to $2.94.

What is the market capitalisation of USIO?

Usio, Inc. (USIO) has a market capitalisation of $78.08M on NasdaqGM.

What is the P/E ratio of USIO?

USIO trades at a trailing price-to-earnings (P/E) ratio of -45.67. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 3.60.

What is the return on equity (ROE) of USIO?

USIO has a return on equity (ROE) of -8.04%. Its return on capital employed (ROCE) is -11.30%.

Is USIO a good stock to buy?

This page provides a data-driven analysis of Usio, Inc. (USIO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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