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Usio, Inc. (USIO)

NASDAQ: USIO · USD

$3.15

-0.05 (-1.6%)· Recorded snapshot

Market cap	89.8M
Revenue (ttm)	92.6M
Net income (ttm)	-1.5M
EPS (ttm)	-$0.06
Shares out	28.5M
P/E (forward)	47.4x
Volume	137,050
Beta	1.36

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 92.6M
Net income (ttm): -1.5M
EPS (ttm): -$0.06
P/E (forward): 47.4x
Market cap: 89.8M

Metric	Value
Amount currency	USD
CIK code	0001088034
Company name	Usio, Inc.
Country	United States
Country code	US
CUSIP number	917313108
Earnings date	2026-11-11
Earnings time	amc
Employees	110
Employees change	-1
Employees growth	-0.9%
Enterprise value	$88M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1998
Industry	Software - Infrastructure
Is primary listing	Yes
Is SPAC	No
ISIN number	US9173131080
Last 10-K release date	2026-03-18
Last earnings date	2026-08-12
Last refreshed	2026-10-28
Last stock split date	2015-07-23
Last stock split type	Reverse
Market cap	$89.8M
Market cap category	Micro-Cap
Next earnings date	2026-11-11
Options	Yes
Price	$3.15
Price currency	USD
Sector	Technology
SIC code	6099
Stock price date	2026-10-28
Symbol	USIO
U.S. state	Texas
Website	https://usio.com

Metric

Value

Amount currency

USD

CIK code

0001088034

Company name

Usio, Inc.

Country

United States

Country code

CUSIP number

917313108

Earnings date

2026-11-11

Earnings time

amc

Employees

110

Employees change

-1

Employees growth

-0.9%

Enterprise value

$88M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1998

Industry

Software - Infrastructure

Is primary listing

Yes

Is SPAC

ISIN number

US9173131080

Last 10-K release date

2026-03-18

Last earnings date

2026-08-12

Last refreshed

2026-10-28

Last stock split date

2015-07-23

Last stock split type

Reverse

Market cap

$89.8M

Market cap category

Micro-Cap

Next earnings date

2026-11-11

Options

Yes

Price

$3.15

Price currency

USD

Sector

Technology

SIC code

6099

Stock price date

2026-10-28

Symbol

USIO

U.S. state

Texas

Website

https://usio.com

Metric	Value
Earnings yield	-1.86%
EV/EBITDA	235.54x
EV/Sales	0.96x
FCF / EV yield	-0.27%
FCF yield	-0.26%
Forward EV/Sales	0.87x
Forward P/E	47.38x
Forward P/S	0.89x
Industry forward P/E	29.48x
Industry P/E	39.18x
P/B ratio	4.86x
P/OCF ratio	138.13x
P/S ratio	0.98x
Price / tangible book value	4.82x
Price/EBITDA ratio	240.24x
Sector forward P/E	18.86x
Sector P/E	32.77x

Metric

Value

Earnings yield

-1.86%

EV/EBITDA

235.54x

EV/Sales

0.96x

FCF / EV yield

-0.27%

FCF yield

-0.26%

Forward EV/Sales

0.87x

Forward P/E

47.38x

Forward P/S

0.89x

Industry forward P/E

29.48x

Industry P/E

39.18x

P/B ratio

4.86x

P/OCF ratio

138.13x

P/S ratio

0.98x

Price / tangible book value

4.82x

Price/EBITDA ratio

240.24x

Sector forward P/E

18.86x

Sector P/E

32.77x

Metric	Value
EBIT margin	-1.21%
EBITDA margin	0.41%
Gross margin	22.26%
Operating margin	-1.21%
Pretax margin	-0.85%
Profit margin	-1.63%
Profit per employee	$-13,710
Profitable quarters	2
Revenue per employee	$841,527
ROA	-0.6%
ROA (5Y)	-1.05%
ROCE	-5.02%
ROE	-8.04%
ROE (5Y)	-6.59%
ROIC	-6.94%
ROIC (5Y)	-14.56%
SBC / revenue	1.85%
Tax / revenue	0.78%

Metric

Value

EBIT margin

-1.21%

EBITDA margin

0.41%

Gross margin

22.26%

Operating margin

-1.21%

Pretax margin

-0.85%

Profit margin

-1.63%

Profit per employee

$-13,710

Profitable quarters

Revenue per employee

$841,527

ROA

-0.6%

ROA (5Y)

-1.05%

ROCE

-5.02%

ROE

-8.04%

ROE (5Y)

-6.59%

ROIC

-6.94%

ROIC (5Y)

-14.56%

SBC / revenue

1.85%

Tax / revenue

0.78%

Metric	Value
EPS growth (QoQ)	126.53%
EPS growth quarters	1
EPS growth years	0
Gross profit growth	3.5%
Gross profit growth (Q)	11.4%
Gross profit growth 3Y	4.65%
Gross profit growth 5Y	12.98%
Net income growth (QoQ)	128.63%
Net income growth quarters	2
Net income growth years	0
OCF growth	-81.51%
OCF growth 10Y	-7.32%
OCF growth 3Y	-72.87%
Revenue growth	10.4%
Revenue growth (Q)	18.63%
Revenue growth (QoQ)	-7.02%
Revenue growth 10Y	21.38%
Revenue growth 3Y	5.85%
Revenue growth 5Y	14.9%
Revenue growth quarters	3
Revenue growth years	1

Metric

Value

EPS growth (QoQ)

126.53%

EPS growth quarters

EPS growth years

Gross profit growth

3.5%

Gross profit growth (Q)

11.4%

Gross profit growth 3Y

4.65%

Gross profit growth 5Y

12.98%

Net income growth (QoQ)

128.63%

Net income growth quarters

Net income growth years

OCF growth

-81.51%

OCF growth 10Y

-7.32%

OCF growth 3Y

-72.87%

Revenue growth

10.4%

Revenue growth (Q)

18.63%

Revenue growth (QoQ)

-7.02%

Revenue growth 10Y

21.38%

Revenue growth 3Y

5.85%

Revenue growth 5Y

14.9%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-893,213
Depreciation and amortization	$1.5M
EBIT	$-1.1M
EBITDA	$377,192
EPS	$-0.06
FCF per share	$-0.01
Financing cash flow	$13.1M
Free cash flow	$-237,183
Free cash flow minus SBC	$-1.9M
Gross profit	$20.6M
Income taxes	$723,371
Investing cash flow	$-1.8M
Net borrowing	$606,534
Net cash flow	$12M
Net income	$-1.5M
Operating cash flow minus SBC	$-1.1M
Operating income	$-1.1M
Revenue	$92.6M
Stock-based compensation	$1.7M

Metric

Value

Capital expenditures

$-893,213

Depreciation and amortization

$1.5M

EBIT

$-1.1M

EBITDA

$377,192

EPS

$-0.06

FCF per share

$-0.01

Financing cash flow

$13.1M

Free cash flow

$-237,183

Free cash flow minus SBC

$-1.9M

Gross profit

$20.6M

Income taxes

$723,371

Investing cash flow

$-1.8M

Net borrowing

$606,534

Net cash flow

$12M

Net income

$-1.5M

Operating cash flow minus SBC

$-1.1M

Operating income

$-1.1M

Revenue

$92.6M

Stock-based compensation

$1.7M

Metric	Value
Altman Z-Score	0.24
Book value per share	$0.66
Debt / EBITDA	4.37
Debt / equity	0.25
Interest coverage	-15.09
Long-term assets	$12.6M
Long-term liabilities	$3.5M
Net cash (debt)	$1.8M
Net cash / market cap	1.96%
Net cash growth	-55.96%
Net debt / EBITDA	-4.7
Net debt / equity	-0.09
Piotroski F-Score	3
Property, plant and equipment	$7.8M
Shareholders' equity	$18.8M
Tangible book value	$18.8M
Tangible book value per share	$0.66
Total assets	$123.8M
Total cash	$6.4M
Total debt	$4.6M
Total liabilities	$105M
WACC	11.22%

Metric

Value

Altman Z-Score

0.24

Book value per share

$0.66

Debt / EBITDA

4.37

Debt / equity

0.25

Interest coverage

-15.09

Long-term assets

$12.6M

Long-term liabilities

$3.5M

Net cash (debt)

$1.8M

Net cash / market cap

1.96%

Net cash growth

-55.96%

Net debt / EBITDA

-4.7

Net debt / equity

-0.09

Piotroski F-Score

Property, plant and equipment

$7.8M

Shareholders' equity

$18.8M

Tangible book value

$18.8M

Tangible book value per share

$0.66

Total assets

$123.8M

Total cash

$6.4M

Total debt

$4.6M

Total liabilities

$105M

WACC

11.22%

Metric	Value
Asset turnover	0.8
Current assets	$111.2M
Current liabilities	$101.5M
Current ratio	1.1
Inventory turnover	186.29
Net working capital	$4.4M
Quick ratio	0.13
Working capital	$9.7M
Working capital turnover	9.45

Metric

Value

Asset turnover

0.8

Current assets

$111.2M

Current liabilities

$101.5M

Current ratio

1.1

Inventory turnover

186.29

Net working capital

$4.4M

Quick ratio

0.13

Working capital

$9.7M

Working capital turnover

9.45

Metric	Value
Buyback yield / dilution	-2.26%
Dividend yield	0%
Shareholder yield	-2.26%

Metric

Value

Buyback yield / dilution

-2.26%

Dividend yield

Shareholder yield

-2.26%

Metric	Value
10Y price change	43.18%
10Y return CAGR	3.66%
10Y total return	43.18%
150-day SMA	$2.05
15Y price change	121.05%
15Y return CAGR	5.43%
15Y total return	121.05%
1D price change	-1.56%
1M price change	35.19%
1M total return	35.19%
1W price change	10.53%
1W total return	10.53%
1Y price change	118.75%
1Y return CAGR	118.87%
1Y total return	118.75%
20-day SMA	$2.92
200-day SMA	$1.87
20Y price change	40%
20Y return CAGR	1.7%
20Y total return	40%
3M price change	63.21%
3M total return	63.21%
3Y price change	58.29%
3Y return CAGR	16.54%
3Y total return	58.3%
50-day SMA	$2.71
50-day SMA vs 200-day SMA	50over200
52-week high	$3.29
52-week high date	2026-10-22
52-week low	$1.03
52-week low date	2026-03-19
5Y price change	-46.06%
5Y return CAGR	-11.62%
5Y total return	-46.06%
6M price change	162.5%
6M total return	162.5%
All-time high	$675.00
All-time high date	2000-03-08
All-time low	$0.03
All-time low date	2011-03-16
Average true range (ATR)	$0.17
Average volume	173.1K
Beta (1Y)	1.04
Beta (2Y)	0.47
Beta (5Y)	1.36
Change from 52-week high	-4.26%
Change from 52-week low	205.83%
Change from all-time high	-99.53%
Change from all-time low	9,900%
Change from open	-1.56%
Day's gap	0%
Dollar volume	$431,708
High price	$3.22
Low price	$3.15
Monthly RSI	68.62
Open price	$3.20
Position in 52-week range	0%
Previous close	$3.20
Price vs 150-day SMA	53.51%
Price vs 20-day SMA	7.99%
Price vs 200-day SMA	68.63%
Price vs 50-day SMA	16.28%
Relative volume	0.79
RSI	65.61
Sharpe ratio	1.54
Sharpe ratio (3Y)	0.46
Sharpe ratio (5Y)	0.11
Sortino ratio	2.86
Sortino ratio (3Y)	0.86
Sortino ratio (5Y)	0.25
Volume	137.1K
Weekly RSI	70.6
YTD price change	131.62%
YTD total return	131.62%

Metric

Value

10Y price change

43.18%

10Y return CAGR

3.66%

10Y total return

43.18%

150-day SMA

$2.05

15Y price change

121.05%

15Y return CAGR

5.43%

15Y total return

121.05%

1D price change

-1.56%

1M price change

35.19%

1M total return

35.19%

1W price change

10.53%

1W total return

10.53%

1Y price change

118.75%

1Y return CAGR

118.87%

1Y total return

118.75%

20-day SMA

$2.92

200-day SMA

$1.87

20Y price change

40%

20Y return CAGR

1.7%

20Y total return

40%

3M price change

63.21%

3M total return

63.21%

3Y price change

58.29%

3Y return CAGR

16.54%

3Y total return

58.3%

50-day SMA

$2.71

50-day SMA vs 200-day SMA

50over200

52-week high

$3.29

52-week high date

2026-10-22

52-week low

$1.03

52-week low date

2026-03-19

5Y price change

-46.06%

5Y return CAGR

-11.62%

5Y total return

-46.06%

6M price change

162.5%

6M total return

162.5%

All-time high

$675.00

All-time high date

2000-03-08

All-time low

$0.03

All-time low date

2011-03-16

Average true range (ATR)

$0.17

Average volume

173.1K

Beta (1Y)

1.04

Beta (2Y)

0.47

Beta (5Y)

1.36

Change from 52-week high

-4.26%

Change from 52-week low

205.83%

Change from all-time high

-99.53%

Change from all-time low

9,900%

Change from open

-1.56%

Day's gap

Dollar volume

$431,708

High price

$3.22

Low price

$3.15

Monthly RSI

68.62

Open price

$3.20

Position in 52-week range

Previous close

$3.20

Price vs 150-day SMA

53.51%

Price vs 20-day SMA

7.99%

Price vs 200-day SMA

68.63%

Price vs 50-day SMA

16.28%

Relative volume

0.79

RSI

65.61

Sharpe ratio

1.54

Sharpe ratio (3Y)

0.46

Sharpe ratio (5Y)

0.11

Sortino ratio

2.86

Sortino ratio (3Y)

0.86

Sortino ratio (5Y)

0.25

Volume

137.1K

Weekly RSI

70.6

YTD price change

131.62%

YTD total return

131.62%

Metric	Value
Float	20M
Float percentage	70.22%
Shares change (QoQ)	0.26%
Shares change (YoY)	2.26%
Shares held by insiders	20.23%
Shares held by institutions	29.77%
Shares outstanding	28.5M
Short % of float	0.32%
Short % of shares	0.22%
Short ratio	0.2 days

Metric

Value

Float

20M

Float percentage

70.22%

Shares change (QoQ)

0.26%

Shares change (YoY)

2.26%

Shares held by insiders

20.23%

Shares held by institutions

29.77%

Shares outstanding

28.5M

Short % of float

0.32%

Short % of shares

0.22%

Short ratio

0.2 days

Usio, Inc. (USIO)

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