A Business at a Glance
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Usio, Inc.
USIO
$54M
Mkt Cap
$1.93
+2.12%
Usio, Inc. (USIO) has a 5-year average return on invested capital (ROIC) of -6.6%. This is below average and may indicate limited pricing power.
Usio, Inc. (USIO) has a market capitalization of $54M. It is classified as a small-cap stock.
Usio, Inc. (USIO) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 1.98%.
Usio, Inc. (USIO) operates in the Functions Related To Depository Banking, Nec industry, within the Financials sector.
Usio, Inc. (USIO) reported annual revenue of $85 million in its most recent fiscal year, based on SEC EDGAR filings.
Usio, Inc. (USIO) has a net profit margin of -2.9%. The company is currently unprofitable.
Usio, Inc. (USIO) generated $1 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
As a cloud-based, Fintech payment processor, we serve multiple industry verticals with technology that facilitates payment acceptance and funds disbursement in a single, full-stack ecosystem. We provide payment acceptance through multiple payment methods including: payment facilitation, prepaid card and electronic billing products and services to businesses, merchants and consumers. We seek to grow our business both organically through the continued development and enhancement of our products and services and through acquisitions of new products and services. We will continue to look for opportunities (both internally and externally) to enhance our offerings to meet customer demands as they arise. Since 1998, Usio has entered a number of market verticals within the payments industry in order to satisfy the growing payment needs of consumers and merchants across the United States.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 85M | 85M | 83M | 84M | 69M | - |
| Net Income | -2.5M | -2.5M | 3.3M | -475K | -5.5M | -322K |
| EPS | $-0.09 | $-0.09 | $0.12 | $-0.02 | $-0.27 | $-0.02 |
| Free Cash Flow | 1.1M | 1.1M | 2.7M | 2.7M | -18M | 29M |
| ROIC | -1.4% | -13.0% | 18.6% | -3.2% | -33.5% | -1.8% |
| Gross Margin | 0.0% | 0.0% | 23.7% | 23.9% | 21.0% | 25.2% |
| Debt/Equity | 0.08 | 0.08 | 0.04 | 0.05 | 0.01 | 0.01 |
| Dividends/Share | $0.00 | $0.00 | - | - | - | - |
| Operating Income | -2.4M | -2.4M | -1.5M | -447K | -5.2M | -155K |
| Operating Margin | -2.8% | -2.8% | -1.8% | -0.5% | -7.5% | - |
| ROE | -14.0% | -13.6% | 19.3% | -3.3% | -33.6% | -1.8% |
| Shares Outstanding | 28M | 28M | 28M | 24M | 20M | 16M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 69M | 84M | 83M | 85M | 85M |
| Gross Margin | 31.2% | 0.0% | 31.3% | 25.9% | 22.3% | 21.1% | 22.9% | 25.2% | 21.0% | 23.9% | 23.7% | 0.0% | 0.0% |
| R&D | 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 |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17M | 18M | 18M |
| EBIT | 2.2M | 947K | -1.4M | -2.8M | -3.8M | -5.1M | -3.8M | -155K | -5.2M | -447K | -1.5M | -2.4M | -2.4M |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -7.5% | -0.5% | -1.8% | -2.8% | -2.8% |
| Net Income | 3.8M | 1.0M | -1.2M | -3.0M | -3.8M | -5.1M | -2.9M | -322K | -5.5M | -475K | 3.3M | -2.5M | -2.5M |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -7.9% | -0.6% | 4.0% | -2.9% | -2.9% |
| Non-Recurring | 0 | 0 | 6K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -18K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 52.1% | 9.7% | -11.9% | -27.2% | -33.2% | -52.8% | -23.9% | -1.8% | -33.5% | -3.2% | 18.6% | -13.0% | -1.4% |
| ROE | 100.2% | 12.6% | -13.2% | -27.2% | -33.2% | -59.5% | -23.9% | -1.8% | -33.6% | -3.3% | 19.3% | -13.6% | -14.0% |
| ROA | 8.7% | 1.6% | -1.7% | -4.4% | -5.6% | -7.9% | -4.0% | -0.3% | -4.7% | -0.5% | 3.1% | -2.1% | -1.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 2.0M | 2.1M | 848K | -936K | -2.8M | -3.7M | 6.3M | 30M | -17M | 3.5M | 2.9M | 1.5M | 1.5M |
| Free Cash Flow | 2.0M | 1.3M | 693K | -1.3M | -3.5M | -4.4M | 5.4M | 29M | -18M | 2.7M | 2.7M | 1.1M | 1.1M |
| Owner Earnings | 1.7M | 318K | -2.7M | -4.9M | -7.9M | -9.9M | 3.3M | 22M | -26M | -797K | -1.5M | -2.2M | -2.2M |
| CapEx | 37K | 786K | 156K | 372K | 703K | 647K | 855K | 1.3M | 812K | 835K | 196K | 435K | 435K |
| Maint. CapEx | 41K | 496K | 2.2M | 3.0M | 3.9M | 4.9M | 1.5M | 6.2M | 7.4M | 2.1M | 2.3M | 1.9M | 1.9M |
| Growth CapEx | 0 | 289K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 41K | 496K | 2.2M | 3.0M | 3.9M | 4.9M | 1.5M | 6.2M | 7.4M | 2.1M | 2.3M | 1.9M | 1.9M |
| CapEx/OCF | 0.1% | N/A | 18.3% | N/A | N/A | N/A | 13.6% | 4.3% | N/A | 23.8% | 34.2% | N/A | 28.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | 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 |
| Share Buybacks | 0 | 48K | 432K | 113K | 982K | 72K | 280K | 239K | 1.3M | 457K | 1.4M | 1.1M | 1.1M |
| Buyback Yield | N/A | 0.0% | 3.0% | 0.5% | 4.4% | 0.3% | 0.6% | 0.3% | 4.8% | 1.1% | 3.5% | 0.0% | 2.0% |
| Stock-Based Comp | 292K | 1.3M | 1.3M | 968K | 1.3M | 1.3M | 1.5M | 1.5M | 2.1M | 2.2M | 2.1M | 1.7M | 1.7M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 40K | 55K | 57K | 107K | 147K | 147K |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | -22M | -51M | -82M | -90M | -87M | -115M | -115M |
| Cash & Equiv. | 2.8M | 4.1M | 20M | 20M | 15M | 13M | 22M | 52M | 82M | 91M | 88M | 116M | 116M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 71K | 15K | 719K | 572K | 1.1M | 1.1M |
| Debt/Equity | 7.70 | 6.50 | 6.71 | 4.14 | 6.08 | 7.13 | 0.00 | 0.01 | 0.01 | 0.05 | 0.04 | 0.08 | 0.08 |
| Interest Coverage | 14867.6 | 0.0 | N/A | N/A | N/A | N/A | -4.6 | -36.0 | -1287.2 | -86.0 | -27.3 | 0.0 | 0.0 |
| Equity | 7.0M | 9.1M | 9.0M | 13M | 9.6M | 7.6M | 17M | 19M | 14M | 15M | 19M | 18M | 18M |
| Total Assets | 61M | 68M | 70M | 67M | 68M | 62M | 83M | 134M | 98M | 107M | 107M | 135M | 135M |
| Total Liabilities | 54M | 59M | 61M | 54M | 59M | 54M | 66M | 115M | 84M | 92M | 88M | 117M | 117M |
| Intangibles | 412K | 342K | 173K | 4.7M | 3.7M | 2.7M | 6.0M | 4.2M | 2.6M | 1.8M | 881K | 10K | 10K |
| Retained Earnings | -50M | -49M | -50M | -53M | -57M | -62M | -65M | -65M | -71M | -71M | -68M | -71M | -71M |
| Working Capital | 2.9M | 0 | 4.5M | 4.8M | 2.4M | 1.3M | 5.6M | 8.8M | 5.8M | 8.0M | 10M | 0 | 0 |
| Current Assets | 57M | 0 | 65M | 59M | 61M | 53M | 69M | 121M | 87M | 97M | 95M | 0 | 0 |
| Current Liabilities | 54M | 0 | 61M | 54M | 59M | 52M | 63M | 112M | 82M | 89M | 85M | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 6.15 | 0.08 | -0.15 | -0.33 | -0.31 | -0.39 | -0.19 | -0.02 | -0.27 | -0.02 | 0.12 | -0.09 | -0.09 |
| Owner EPS | 2.68 | 0.03 | -0.34 | -0.54 | -0.65 | -0.76 | 0.22 | 1.37 | -1.30 | -0.03 | -0.05 | -0.08 | -0.08 |
| Book Value | 11.25 | 0.72 | 1.13 | 1.44 | 0.79 | 0.58 | 1.09 | 1.16 | 0.69 | 0.63 | 0.70 | 0.64 | 0.64 |
| Cash Flow/Share | 3.22 | 0.16 | 0.11 | -0.10 | -0.23 | -0.28 | 0.41 | 1.85 | -0.84 | 0.15 | 0.11 | 0.05 | -0.02 |
| Dividends/Share | N/A | 0.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 | 0.00 |
| Shares Out. | 0.6M | 12.7M | 8.0M | 9.1M | 12.2M | 13.1M | 15.3M | 16.1M | 20.3M | 23.8M | 27.5M | 27.9M | 27.9M |
| Valuation | |||||||||||||
| P/E Ratio | 5.7 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12.1 | N/A | -21.4 |
| P/FCF | 0.8 | N/A | 20.7 | N/A | N/A | N/A | 8.2 | 2.7 | N/A | 15.6 | 14.8 | N/A | 49.9 |
| EV/EBIT | 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 |
| Price/Book | 3.1 | N/A | 1.6 | 1.8 | 2.3 | 3.0 | 2.7 | 4.2 | 2.0 | 2.8 | 2.1 | N/A | 3.0 |
| Price/Sales | 1.1 | N/A | 1.2 | 1.0 | 0.9 | 1.2 | 0.9 | 1.5 | 0.7 | 0.5 | 0.5 | N/A | 0.6 |
| FCF Yield | 9.1% | N/A | 4.8% | -5.7% | -15.6% | -19.2% | 12.3% | 36.5% | -64.2% | 6.4% | 6.8% | N/A | 2.0% |
| Market Cap | 22M | 0 | 14M | 23M | 22M | 23M | 44M | 78M | 28M | 42M | 40M | 0 | 54M |
| Avg. Price | 1.74 | 0.00 | 1.83 | 1.68 | 1.80 | 2.50 | 1.83 | 5.82 | 2.52 | 1.83 | 1.54 | 0.00 | 1.93 |
| Year-End Price | 2.55 | 0.00 | 1.80 | 2.54 | 1.82 | 1.74 | 2.90 | 4.86 | 1.37 | 1.76 | 1.45 | 0.00 | 1.93 |
Usio, Inc. passes 0 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 4.6x vs a median of 14.8x. The company's 5-year average gross margin is 18.8%. Total shareholder yield (buybacks) is 2.0%. At current prices, the estimated annualized return to fair value is +11.8%.
Usio, Inc. (USIO) has a debt-to-equity ratio of 0.08. This indicates a conservatively financed balance sheet.
Usio, Inc. (USIO) reported earnings per share (EPS) of $-0.09 in its most recent fiscal year.
Usio, Inc. (USIO) has a return on equity (ROE) of -13.6%. A negative ROE may indicate losses or negative equity.
Usio, Inc. (USIO) has a 5-year average gross margin of 18.8%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 16 years of financial data for Usio, Inc. (USIO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Usio, Inc. (USIO) has a book value per share of $0.64, based on its most recent annual SEC filing.