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

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E47.4

P25 13.4P50 19.8P75 31.4

Trailing P/En/a

P25 16.8P50 29.9P75 54

ROE-8

P25 -35.5P50 1.5P75 15.4

ROIC-6.9

P25 -18.6P50 1.9P75 14.1

Benchmarks · 1M

All USIO indicators

Market & fundamental data

Available fields

232

Groups with data

Currency

USD

Showing 232 of 232 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

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%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on USIO

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this USIO report

Is a complete USIO research report available?

No complete published report is available for Usio, Inc. (USIO) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Usio, Inc. (USIO)

Price

Financial snapshot

Fair-value bridge

Latest news · USIO

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All USIO indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on USIO

Frequently asked questions