Get started

Financials · USIO

Usio Inc. (USIO) financials

For the twelve months ended Jun 30, 2026, Usio Inc. reported $92.57M of revenue and -$1.51M of net income.

Revenue, TTM
$92.57M
Revenue growth, YoY
+10.4%
Net income, TTM
-$1.51M
Net margin
-1.6%
Free cash flow, TTM
-$237.2K
EPS, diluted, TTM
-$0.06
Cash
$6.39M
Total debt
$1.25M
P/S
0.91
Market cap
$84.2M
Annual revenue$85.39M
FY2016FY2025
Annual net income-$2.51M
FY2016FY2025
Annual free cash flow$1.08M
FY2016FY2025

USIO revenue and earnings growth

USIO revenueQ2 2026$23.68M

Quarter YoY
+18.6%
QoQ
-7.0%
FY YoY
+3.0%
5Y CAGR
+21.5%
10Y CAGR
+19.5%

USIO revenue was $23.68M in fiscal Q2 2026 (ended Jun 30, 2026), up 18.6% from a year earlier and down 7.0% from the prior quarter. For the full fiscal 2025 it was $85.39M, up 3.0% from fiscal 2024. Compound annual growth was +21.5% over 5 years and +19.5% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

USIO net incomeQ2 2026$280.1K

QoQ
+128.6%

USIO net income was $280.1K in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$366.7K a year earlier and up 128.6% from the prior quarter. For the full fiscal 2025 it was -$2.51M, compared with $3.31M in fiscal 2024.

USIO EPSQ2 2026$0.01

USIO diluted EPS was $0.01 in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$0.01 a year earlier. For the full fiscal 2025 it was -$0.09, compared with $0.12 in fiscal 2024.

USIO free cash flowQ2 2026-$828.2K

FY YoY
-60.1%
5Y CAGR
-27.6%
10Y CAGR
-1.9%

USIO free cash flow was -$828.2K in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$315.2K a year earlier. For the full fiscal 2025 it was $1.08M, down 60.1% from fiscal 2024. Compound annual growth was -27.6% over 5 years and -1.9% over 10 years.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$85.39M$82.93M$84.07M$69.43M$61.94M$32.25M$28.20M$25.02M$14.57M$12.08M
Cost of revenue$65.70M$63.32M$63.99M$54.84M$46.31M$24.88M$22.25M$19.45M$10.80M$8.29M
Gross profit$19.69M$19.61M$20.07M$14.59M$15.63M$7.38M$5.95M$5.57M$3.77M$3.78M
Selling, general and admin$18.36M$16.73M--------
Operating income-$2.36M-$1.47M-$447.4K-$5.21M-$155.4K-$3.76M-$5.06M-$3.77M-$2.84M-$1.36M
Interest expense$52.1K$53.8K$5.2K$4.1K$4.3K-----
Pre-tax income-$2.00M$678.3K-$182.6K-$5.20M-$151.8K-$2.88M-$5.01M-$3.70M-$2.73M-$1.16M
Income tax$512.8K-$2.63M$292.5K$280.0K$169.9K$23.1K$101.9K$77.8K$274.3K$32.7K
Net income-$2.51M$3.31M-$475.1K-$5.48M-$321.6K-$2.91M-$5.12M-$3.78M-$3.01M-$1.20M
EPS, basic-$0.09$0.12-$0.02-$0.27-$0.02-$0.19-$0.39-$0.31-$0.33-$0.15
EPS, diluted-$0.09$0.12-$0.02-$0.27-$0.02-$0.19-$0.39-$0.31-$0.33-$0.15
Diluted shares26.9M26.9M26.5M20.4M20.0M15.4M13.0M12.1M9.0M7.8M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$7.43M$8.06M$7.16M$5.71M$7.26M$7.26M$2.14M$2.16M$4.61M$4.12M
Receivables$5.27M$5.05M$5.56M$4.37M$4.98M$2.86M$1.27M$1.21M$969.7K$907.8K
Inventory$461.7K$403.8K$422.8K$507.4K$434.5K$176.5K----
Current assets$123.41M$95.16M$97.24M$87.41M$121.26M$69.09M$53.05M$60.91M$59.10M$65.03M
Total assets$134.89M$107.21M$106.93M$97.91M$133.68M$82.67M$61.56M$68.22M$67.44M$69.51M
Current liabilities$114.02M$84.95M$89.23M$81.62M$112.46M$63.47M$51.71M$58.50M$54.31M$60.50M
Short-term debt$289.3K$147.6K$107.3K$56.4K$54.8K$0----
Long-term debt$1.07M$571.9K$719.0K$15.0K$71.4K$0----
Total debt$1.36M$719.4K$826.3K$71.4K$126.2K$0----
Total liabilities$116.98M$88.05M$91.87M$83.98M$115.01M$65.96M$53.99M$58.58M$54.31M-
Shareholders' equity$17.91M$19.16M$15.07M$13.93M$18.67M$16.70M$7.57M$9.63M$13.12M$9.01M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$1.51M$2.90M$3.51M-$17.04M$29.78M$6.29M-$3.73M-$2.76M-$936.5K$848.4K
Capital expenditures$435.0K$195.9K$835.0K$812.2K$1.27M$855.4K$647.4K$703.1K$372.3K$155.6K
Free cash flow$1.08M$2.70M$2.67M-$17.85M$28.51M$5.44M-$4.38M-$3.46M-$1.31M$692.9K
Investing cash flow-$1.54M-$944.4K-$835.0K-$812.2K-$1.27M-$6.76M-$647.4K-$698.1K-$1.82M-$355.6K
Financing cash flow$28.72M-$5.14M$6.06M-$1.40M$887.5K$9.98M$1.72M-$982.5K$2.61M-$431.8K
Share repurchases$1.07M$1.41M$457.0K$1.34M$238.7K$280.3K$71.9K$982.5K$112.9K$431.8K
Stock-based compensation$1.74M$2.09M$2.22M$2.07M$1.49M$1.48M$1.29M$1.25M$968.1K$1.31M
Depreciation and amortization$1.95M$2.26M$2.08M$2.74M$2.64M$1.52M$2.02M$1.88M$1.26M$901.6K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY3.0%-1.3%21.1%12.1%92.1%14.4%12.7%71.7%20.7%-16.0%
Gross margin23.1%23.7%23.9%21.0%25.2%22.9%21.1%22.3%25.9%31.3%
Operating margin-2.8%-1.8%-0.5%-7.5%-0.3%-11.6%-18.0%-15.1%-19.5%-11.3%
Net margin-2.9%4.0%-0.6%-7.9%-0.5%-9.0%-18.1%-15.1%-20.6%-9.9%
Free cash flow margin1.3%3.3%3.2%-25.7%46.0%16.9%-15.5%-13.8%-9.0%5.7%
Return on equity-14.0%17.3%-3.2%-39.4%-1.7%-17.4%-67.6%-39.2%-22.9%-13.3%
Return on assets-1.9%3.1%-0.4%-5.6%-0.2%-3.5%-8.3%-5.5%-4.5%-1.7%
Current ratio1.081.121.091.071.081.091.031.041.091.07
Debt to equity0.080.040.050.010.010.00----

Source: XBRL data Usio Inc. files with the SEC, latest filing dated Aug 12, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

USIO peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
USIO$92.57M+10.4%-$1.51M-1.6%$84.2M
MS$80.16B+16.2%$20.45B25.5%$284.96B
GS$69.70B+18.7%$22.17B31.8%$249.73B
BLK$28.54B+24.7%$6.91B24.2%$182.05B
SCHW$27.06B+18.1%$10.64B39.3%$158.22B
CME$6.97B+9.0%$4.43B63.5%$109.49B
ICE$14.05B+12.1%$4.16B29.6%$96.27B
HOOD$5.08B+20.9%$1.98B39.0%$72.86B
NDAQ$9.15B+11.5%$2.08B22.8%$59.44B

USIO FAQ

9 questions
  • What is USIO revenue?
    Usio Inc. (USIO) reported $92.57M of revenue for the twelve months ended Jun 30, 2026. That is up 10.4% from the year before. Revenue for fiscal 2025 was $85.39M.
  • Is USIO profitable?
    No. Usio Inc. reported a net loss of $1.51M for the twelve months ended Jun 30, 2026.
  • How much cash and debt does USIO have?
    Usio Inc. reported $6.39M in cash and cash equivalents and $1.25M of debt on its most recent balance sheet in SEC filings.
  • How fast is USIO revenue growing?
    Usio Inc.'s revenue changed +3.0% in fiscal 2025, to $85.39M. Its compound annual growth rate was +21.5% over 5 years and +19.5% over 10 years.
  • What is USIO gross margin?
    Usio Inc.'s gross profit was $20.61M on $92.57M of revenue for the twelve months ended Jun 30, 2026, a gross margin of 22.3%.
  • What is USIO free cash flow?
    Usio Inc. generated -$237.2K of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $656.0K less capital expenditures.
  • What is USIO earnings per share?
    Diluted earnings per share were -$0.06 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did USIO last report financial results?
    The latest statements here come from Usio Inc.'s 10-Q filed on Aug 12, 2026, covering the period ended Jun 30, 2026.
  • Where does this USIO financial data come from?
    Quantisnow builds these statements from the structured XBRL data Usio Inc. files with the SEC. It is provided for information only and is not investment advice.