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Usio, Inc.

USIO

$2.91 ▼ -0.09 (-3.00%) at close

17 Visible periods

26 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bullish

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Analytical Summary

Usio, Inc. shows strong fundamentals with top-quartile Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $78.4M

Dividend Yield —

Revenue Growth —

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 4.5x

FCF Yield —

Debt / Equity 0.08

info Valuation on last close. End-of-day price, Nov 5, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Net Income Profit after all expenses

$-2.51M

↓ -176.0% —

Long-Term Debt Long-term obligations

$1.36M

↑ +89.6% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Returns ↓

Financial Health ↑

Financial view

Statement lens

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Cadence

Annual Quarterly

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
EPS Growth YoY (%)	N/M	N/M	92.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-1250.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	89.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	51.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-25.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	6.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-120.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	250.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	—	—	—	—
Net Income Growth YoY (%)	N/M	N/M	91.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-1604.8% Weak ↓ Weak Declining Year-over-year change in net income	88.9% Excellent ↑ Excellent Improving Year-over-year change in net income	43.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-35.5% Weak ↑ Weak Improving Year-over-year change in net income	-25.5% Weak ↑ Weak Improving Year-over-year change in net income	-151.4% Weak Weak Year-over-year change in net income	N/M	-73.5% Weak Weak Year-over-year change in net income	N/M	N/M	262.4% Excellent Excellent Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS CAGR 3Y (%)	—	—	—	—	—	—	—	—	—	—	141.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Effective Tax Rate (%) (%)	-25.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-387.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-160.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-5.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-111.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-5.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-4.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-8.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-5.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-4.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	27.0% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	7.6% Fair Fair Operating profit relative to total assets Optimal: > 10%	-30.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-14.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-217%)	17.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+44%)	-3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-126%)	-39.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-428%)	-1.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	-17.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-245%)	-67.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-663%)	-39.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-427%)	-22.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-291%)	-13.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-211%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	54.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+355%)	-123.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1129%)	59.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+397%)	57.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+380%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	0.08x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-94%)	0.04x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.05x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Basic EPS, GAAP (USD)	$-0.09	$0.12	$-0.02	$-0.27	$-0.02	$-0.19	$-0.39	$-0.31	$-0.33	$-0.15	$0.14	$0.04	$-0.01	$0.01	$0.00	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$0.65	$0.72	$0.57	$0.56	$0.73	$0.67	$0.44	$0.60	$0.81	$0.76	$0.76	$0.04	$0.00	$0.01	$0.00	$-0.00	—
Tangible Book Value per Share (USD)	$0.65	$0.72	$0.57	$0.56	$0.73	$0.67	$0.44	$0.60	$0.81	$0.76	$0.76	$0.04	$0.00	$0.01	$0.00	$-0.00	—
Basic Weighted Avg Shares (shares)	26.93M	26.85M	20.11M	20.38M	20.03M	15.43M	12.96M	12.13M	9.00M	7.84M	7.39M	97.08M	96.90M	133.05M	131.99M	121.51M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$1.36M	$719.44K	$718.98K	$14.99K	$71.43K	$0.00	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$17.91M	$19.16M	$15.07M	$13.93M	$18.67M	$16.70M	$7.57M	$9.63M	$13.12M	$9.01M	$9.12M	$7.02M	$638.80K	$2.14M	$611.31K	$-134.31K	$-884.51K

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Depreciation Expense (USD)	$1.95M	$1.39M	$1.21M	$1.20M	$771.81K	$518.21K	$1.02M	$875.64K	$761.66K	$738.46K	$466.61K	$40.95K	$31.65K	$6.86K	$3.72K	$23.51K	—
Net Income, GAAP (USD)	$-2.51M	$3.31M	$-475.10K	$-5.48M	$-321.63K	$-2.91M	$-5.12M	$-3.78M	$-3.01M	$-1.20M	$1.02M	$3.84M	$-789.04K	$1.28M	$351.85K	$-464.17K	—
Operating Cash Flow (USD)	$1.51M	$2.90M	$14.92M	$-17.04M	$29.78M	$6.29M	$-3.73M	$-2.76M	$-936.45K	$848.44K	$2.09M	$28.45M	$23.18M	$475.06K	$2.40M	$413.81K	—

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	—	—	—	—	—	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 17 years · 67 quarters

Usio, Inc.

Analytical Summary

17-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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