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Usio, Inc. logo

Usio, Inc.

USIO

NASDAQTechnologySoftware - Infrastructure

Open in GoAI

Previous close

$2.81

+$0.15 · +5.64%

Aug 21, 4:00 PM ET

Pre-market

$2.8014

−$0.0086 · -0.31%

Aug 24, 7:56 AM ET

USIO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Sell

Trim exposure — unfavorable risk-reward

Valuation

2

Overpriced

Momentum

74

Gaining

Sentiment

58

Mixed

Risk resilience

45

Elevated Risk

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Company profile

Company website

Usio, Inc. 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, credit, prepaid card, and debit card-based processing services. It also provides a proprietary platform for businesses to handle e-checks and card payments, and an interactive voice response telephone system for companies to accept payments over the telephone. Additionally, the company offers prepaid and incentive card issuance services, a payment facilitation platform, and electronic bill presentment and printing services.

Industry
Software - Infrastructure
Sector
Technology
Headquarters
US
CEO
Louis A. Hoch
Listed since
Feb 22, 1999
Employees
107

Market position

Day range

Current $2.81

52-week range

Current $2.81

Open
$2.70
Previous close
$2.66
Volume
403.86K
1.88× average
Average volume
214.28K
Average daily volume
Market cap
77.54M USD
Beta
1.31
Market reference 1
50-day average
$2.1972
+27.89% above average
200-day average
$1.5621
+79.89% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
33.08M USD
P/E (TTM)
-50.72×
P/B (TTM)
4.16×
P/S (TTM)
0.84×
EV / EBITDA
-27,089.49×
Earnings yield
-6.86%
Free cash flow yield
2.95%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
22.02%
Operating margin
-1.21%
Net margin
-1.63%
Return on equity
-14.03%
Return on assets
-1.86%
Return on invested capital
-10.82%

Financial health

Debt / equity
0.2×
Current ratio
1.08×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends29%15%2%-11%Gross margin, FY2021: 25.24%Gross margin, FY2022: 21.02%Gross margin, FY2023: 22.52%Gross margin, FY2024: 23.65%Gross margin, FY2025: 23.06%Operating margin, FY2021: -0.25%Operating margin, FY2022: -7.51%Operating margin, FY2023: -2.33%Operating margin, FY2024: -1.77%Operating margin, FY2025: -2.76%Net margin, FY2021: -0.52%Net margin, FY2022: -7.90%Net margin, FY2023: -0.58%Net margin, FY2024: 3.99%Net margin, FY2025: -2.94%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 25.24%. Gross margin FY2022 21.02%. Gross margin FY2023 22.52%. Gross margin FY2024 23.65%. Gross margin FY2025 23.06%. Operating margin FY2021 -0.25%. Operating margin FY2022 -7.51%. Operating margin FY2023 -2.33%. Operating margin FY2024 -1.77%. Operating margin FY2025 -2.76%. Net margin FY2021 -0.52%. Net margin FY2022 -7.90%. Net margin FY2023 -0.58%. Net margin FY2024 3.99%. Net margin FY2025 -2.94%.

Income trends

Revenue

85.39M USD+2.97%

Operating income

−2.36M USD-60.48%

Net income

−2.51M USD−5.82M USD
Income trends across reported periods94.48M USD58.13M USD21.78M USD−14.57M USDRevenue, FY2021: 61.94M USDRevenue, FY2022: 69.43M USDRevenue, FY2023: 82.59M USDRevenue, FY2024: 82.93M USDRevenue, FY2025: 85.39M USDOperating income, FY2021: −155.38K USDOperating income, FY2022: −5.21M USDOperating income, FY2023: −1.92M USDOperating income, FY2024: −1.47M USDOperating income, FY2025: −2.36M USDNet income, FY2021: −321.63K USDNet income, FY2022: −5.48M USDNet income, FY2023: −475.1K USDNet income, FY2024: 3.31M USDNet income, FY2025: −2.51M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 61.94M USD. Revenue FY2022 69.43M USD. Revenue FY2023 82.59M USD. Revenue FY2024 82.93M USD. Revenue FY2025 85.39M USD. Operating income FY2021 −155.38K USD. Operating income FY2022 −5.21M USD. Operating income FY2023 −1.92M USD. Operating income FY2024 −1.47M USD. Operating income FY2025 −2.36M USD. Net income FY2021 −321.63K USD. Net income FY2022 −5.48M USD. Net income FY2023 −475.1K USD. Net income FY2024 3.31M USD. Net income FY2025 −2.51M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue85.39M USD82.93M USD82.59M USD69.43M USD61.94M USD
Cost of goods sold65.7M USD63.32M USD63.99M USD54.84M USD46.31M USD
Gross profit19.69M USD19.61M USD18.6M USD14.59M USD15.63M USD
Selling, general, and administrative20.11M USD2.09M USD18.44M USD17.07M USD1.49M USD
Operating expenses22.05M USD21.08M USD20.52M USD19.81M USD15.79M USD
Interest income407.16K USD464.75K USD1.7M USD15.24K USD7.64K USD
Interest expense52.08K USD53.8K USD5.2K USD4.05K USD4.31K USD
Depreciation and amortization1.95M USD2.26M USD2.08M USD2.74M USD2.64M USD
Operating income−2.36M USD−1.47M USD−1.92M USD−5.21M USD−155.38K USD
Net income−2.51M USD3.31M USD−475.1K USD−5.48M USD−321.63K USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 5 misses, 1 met estimate
Average EPS surprise
-18.79%
11 comparable reports
Latest EPS result
0.01
Estimate -0 · Beat by 500.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.080.02-0.03-0.09Q1 '25BeatQ2 '25MissQ3 '25MetQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 26, 2025: actual 0.02, estimate 0.01, surprise +100.00%, Beat. Q2 2025, reported May 14, 2025: actual -0.01, estimate 0.04, surprise -125.00%, Miss. Q3 2025, reported Aug 6, 2025: actual -0.01, estimate -0.01, surprise 0.00%, Met estimate. Q4 2025, reported Nov 12, 2025: actual -0.02, estimate 0.01, surprise -300.00%, Miss. Q1 2026, reported Mar 18, 2026: actual -0.05, estimate 0.01, surprise -600.00%, Miss. Q2 2026, reported May 13, 2026: actual 0.004, estimate -0.01, surprise +144.00%, Beat. Q3 2026, reported Aug 12, 2026: actual 0.01, estimate -0.003, surprise +500.00%, Beat. Q4 2026, reported Nov 11, 2026: actual —, estimate 0.008, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates26.48M23.97M21.46M18.94MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 26, 2025: actual 20.56M USD, estimate 21.1M USD, surprise -2.54%, Miss. Q2 2025, reported May 14, 2025: actual 22.01M USD, estimate 21.95M USD, surprise +0.26%, Beat. Q3 2025, reported Aug 6, 2025: actual 19.96M USD, estimate 22.41M USD, surprise -10.93%, Miss. Q4 2025, reported Nov 12, 2025: actual 21.18M USD, estimate 22.19M USD, surprise -4.55%, Miss. Q1 2026, reported Mar 18, 2026: actual 22.2M USD, estimate 23.06M USD, surprise -3.74%, Miss. Q2 2026, reported May 13, 2026: actual 25.47M USD, estimate 23.2M USD, surprise +9.78%, Beat. Q3 2026, reported Aug 12, 2026: actual 23.68M USD, estimate 23.67M USD, surprise +0.03%, Beat. Q4 2026, reported Nov 11, 2026: actual —, estimate 23.81M USD, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Jul 23, 2015

1:15

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ETFs holding USIO

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
1.55M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
387.55K
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
180.29K
Weight
0.01%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%
Dimensional - US Core Equity 2 ETF logoDimensional - US Core Equity 2 ETFDFAC
Market value
15.03K
Weight
0.00%
AUM
49.31B USD
Expense ratio
0.17%
Price / 1D
$45.61+0.46%

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