Usio Inc USIO Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$2.96 up $0.03, 1.02% at close Nov 6
Last close · Previous close $2.93
- Market cap
- $81.68MAt the Nov 6 close
- P/E ratio
- n/mLoss over last 12 months
- Diluted EPS
- −$0.06Last 12 months
- Dividend yield
- NoneLast 12 months
Price chart
$2.96up $0.13, 4.59%Past month
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$2.93Nov 5
- Volume89.80KNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume174.38KLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $1.03 to $3.29; now $2.96
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
USIO beat the S&P 500 in 4 of 7 periods.
| Period | USIO and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | USIO: up 4.6% S&P 500: down 5.6% | USIO beat the S&P 500 by 10.2 percentage points Beat |
| 3M | USIO: up 28.1% S&P 500: down 4.1% | USIO beat the S&P 500 by 32.2 percentage points Beat |
| YTD | USIO: up 117.6% S&P 500: up 8.7% | USIO beat the S&P 500 by 108.9 percentage points Beat |
| 1Y | USIO: up 96.7% S&P 500: up 10.9% | USIO beat the S&P 500 by 85.8 percentage points Beat |
| Long term | ||
| 3Y | USIO: up 56.6% S&P 500: up 75.0% +16.1% vs +20.5% a year | USIO trailed the S&P 500 by 18.4 percentage points Trailed |
| 5Y | USIO: down 51.3% S&P 500: up 67.8% −13.4% vs +10.9% a year | USIO trailed the S&P 500 by 119.1 percentage points Trailed |
| 10Y | USIO: up 53.4% S&P 500: up 313.1% +4.4% vs +15.2% a year | USIO trailed the S&P 500 by 259.7 percentage points Trailed |
$10,000 invested in USIO 10 years ago (Nov 4, 2016) would be worth about $15,337 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $41,313.
USIO beat the S&P 500 in 4 of 7 periods.
| Period | USIO and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | USIO: up 4.6% S&P 500: down 5.6% | USIO beat the S&P 500 by 10.2 percentage points Beat |
| 3M | USIO: up 28.1% S&P 500: down 4.3% | USIO beat the S&P 500 by 32.4 percentage points Beat |
| YTD | USIO: up 117.6% S&P 500: up 7.8% | USIO beat the S&P 500 by 109.8 percentage points Beat |
| 1Y | USIO: up 96.7% S&P 500: up 9.7% | USIO beat the S&P 500 by 87.0 percentage points Beat |
| Long term | ||
| 3Y | USIO: up 56.6% S&P 500: up 68.8% +16.1% vs +19.1% a year | USIO trailed the S&P 500 by 12.2 percentage points Trailed |
| 5Y | USIO: down 51.3% S&P 500: up 56.9% −13.4% vs +9.4% a year | USIO trailed the S&P 500 by 108.2 percentage points Trailed |
| 10Y | USIO: up 53.4% S&P 500: up 252.6% +4.4% vs +13.4% a year | USIO trailed the S&P 500 by 199.2 percentage points Trailed |
$10,000 invested in USIO 10 years ago (Nov 4, 2016) would be worth about $15,337 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $35,257.
All-time high
$80.70
Closing high on . Now 96.3% below that record.
Split-adjusted daily closes since Jan 2, 2001.
Stock splits
1
1-for-15 on . Share counts adjust after each split.
Valuation
The Nov 6 close compared with the last 12 months of reported results (the four quarters to Jun 30, 2026). Tap a metric to see how it’s calculated.
Price-to-earnings (P/E)
n/mDiluted EPS of −$0.06 over the last 12 months
A P/E ratio isn’t meaningful while earnings over the last 12 months are negative. When USIO was profitable over the past five years, its P/E ranged from 10.1× to 21.3×, with a median of 13.8×. How to read P/E
Other valuation measures
- 0.9×Last 12 months’ revenue
Market value divided by revenue over the last 12 months. Useful when earnings are small or negative.
P/S = Market cap ÷ Revenue (last 12 months)Price-to-sales ratio - 4.3×Book value as of Jun 30, 2026
Price relative to accounting equity (book value) per share on the Jun 30, 2026 balance sheet. Asset-light companies often trade far above book value.
P/B = Price ÷ Book value per sharePrice-to-book ratio - 98.5×Last 12 months’ EBITDA
Enterprise value divided by EBITDA over the last 12 months. It compares companies with different amounts of debt.
EV/EBITDA = Enterprise value ÷ EBITDA (last 12 months)EV/EBITDA explained - −1.40%Last 12 months’ free cash flow
Free cash flow over the last 12 months as a share of the company’s market value: the cash the business generated for each dollar of stock.
FCF yield = Free cash flow (last 12 months) ÷ Market capFree cash flow - $77.56MAt the Nov 6 close
What it would cost to buy the whole business: the market cap at the Nov 6 close, plus debt, minus cash and short-term investments from the Jun 30, 2026 balance sheet.
EV = Market cap + Debt − Cash and short-term investmentsEV/EBITDA explained
Build your own USIO DCF in Excel. Value Usio with your own growth and margin assumptions.Browse DCF models Free DCF calculator
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q2 FY26, the quarter ended Jun 30, 2026. “Last 12 months” means the four quarters from Jul 1, 2025 to Jun 30, 2026, and balance-sheet figures are as of Jun 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $92.57Mup 10.4%
- Net income
- −$1.51M
- Diluted EPS
- −$0.06
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q3 FY24 (Sep 30, 2024) | $21.32M | $2.85M | $0.10 |
| Q4 FY24 (Dec 31, 2024) | $20.56M | $628.93K | $0.02 |
| Q1 FY25 (Mar 31, 2025) | $22.01M | −$234.97K | −$0.01 |
| Q2 FY25 (Jun 30, 2025) | $19.96M | −$366.65K | −$0.01 |
| Q3 FY25 (Sep 30, 2025) | $21.18M | −$415.09K | −$0.02 |
| Q4 FY25 (Dec 31, 2025) | $22.24M | −$1.50M | −$0.05 |
| Q1 FY26 (Mar 31, 2026) | $25.47M | $122.50K | $0.00 |
| Q2 FY26 (Jun 30, 2026) | $23.68M | $280.08K | $0.01 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $61.94M | −$321.63K | −$0.02 |
| FY22 (Dec 31, 2022) | $69.43M | −$5.48M | −$0.27 |
| FY23 (Dec 31, 2023) | $84.07M | −$475.10K | −$0.02 |
| FY24 (Dec 31, 2024) | $82.93M | $3.31M | $0.12 |
| FY25 (Dec 31, 2025) | $85.39M | −$2.51M | −$0.09 |
Margins
- Gross 22.3%
- Operating −1.2%
- Net −1.6%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- −$1.14MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$656.03KLast 12 months
- Capital spending$1.80MLast 12 months
- −1.2%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $643.47KLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$0.00Last 12 months
- Total returned$643.47KLast 12 months
Balance sheet
- $8.74MAs of Jun 30, 2026
Cash plus short- and long-term marketable securities on the Jun 30, 2026 balance sheet.
- Total debt$4.61MAs of Jun 30, 2026
- Net cash$4.13MAs of Jun 30, 2026
- 1.10As of Jun 30, 2026
Current assets divided by current liabilities on the Jun 30, 2026 balance sheet. Above 1 means short-term assets cover the bills due within a year.
Current ratio = Current assets ÷ Current liabilitiesCurrent ratio - 0.25As of Jun 30, 2026
Total debt divided by shareholders’ equity on the Jun 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 3 of 9Last 12 months
vs the 12 beforeA 0–9 checklist from accounting professor Joseph Piotroski. Each test compares the last 12 months with the 12 months before and scores a point if it passes. 8–9 is strong; 0–2 is weak.
- ✗Net income was positive: not passed
- ✓Operating cash flow was positive: passed
- ✗Return on assets improved: not passed
- ✓Operating cash flow exceeded net income: passed
- ✗Long-term debt fell relative to assets: not passed
- ✗Current ratio improved: not passed
- ✗Share count didn’t rise: not passed
- ✗Gross margin improved: not passed
- ✓Asset turnover (revenue ÷ assets) improved: passed
- −8.2%Last 12 months
Over the last 12 months, Usio lost money: its net loss was 8.2% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - −1.3%Last 12 months
Over the last 12 months, Usio’s net loss was 1.3% of its total assets (averaged over the last four quarter-ends).
ROA = Net income (last 12 months) ÷ Average total assets
About Usio Inc
Usio, Inc., a leading, cloud-based, integrated FinTech electronic payment solutions provider, offers a wide range of payment solutions to merchants, billers, banks, service bureaus, integrated software vendors and card issuers. The Company operates credit, debit/prepaid, and ACH payment processing platforms to deliver convenient, world-class payment solutions and services to clients through its unique payment facilitation platform as a service. The Company, through its Usio Output Solutions division offers services relating to electronic bill presentment, document composition, document decomposition and printing and mailing services. The strength of the Company lies in its ability to provide tailored solutions for card issuance, payment acceptance, and bill payments as well as its unique technology in the card issuing sector. Usio is headquartered in San Antonio, Texas, and has offices in Austin, Texas. Websites: www.usio.com, www.payfacinabox.com, www.akimbocard.com and www.usiooutput.com. Find us on Facebook® and Twitter. Comparisons Unless otherwise indicated, all comparisons and growth rates represent year-over-year comparisons, with the quarterly period of this year compared to the corresponding quarter of the prior year. About Non-GAAP Financial Measures This press release includes non-GAAP financial measures, as defined in Regulation G adopted by the Securities and Exchange Commission, of EBITDA, adjusted EBITDA, adjusted EBITDA margins and adjusted operating cash flows. The Company reports its financial results in compliance with GAAP, but believes that also discussing non-GAAP financial measures provides investors with financial measures it uses in the management of its business. The Company defines EBITDA as operating income (loss), before interest, taxes, depreciation and amortization of intangibles. The Company defines adjusted EBITDA as EBITDA, as defined above, plus non-cash stock option costs and certain non-recurring items, such as costs related to acquisitions. The Company defines adjusted EBITDA margins as adjusted EBITDA, as defined above, divided by total revenues. The Company defines adjusted operating cash flow as net cash provided by (used in) operating activities, less changes in prepaid card load obligations, customer deposits, merchant reserves and net operating lease assets and obligations. These adjustments to net cash provided by (used in) operating activities are not inclusive of any regular expense items, and only include changes in our assets and liabilities accounts on our consolidated balance sheet. These measures may not be comparable to similarly titled measures reported by other companies. Management uses EBITDA, adjusted EBITDA, adjusted EBITDA margins and adjusted operating cash flows as indicators of the Company's operating performance and ability to fund acquisitions, capital expenditures and other investments and, in the absence of refinancing options, to repay debt obligations. Management believes EBITDA, adjusted EBITDA, adjusted EBITDA margins and adjusted operating cash flows are helpful to investors in evaluating the Company's operating performance because non-cash costs and other items that management believes are not indicative of its results of operations are excluded. EBITDA, adjusted EBITDA, adjusted EBITDA margins and adjusted operating cash flow should be considered in addition to, not as a substitute for, or superior to, financial measures calculated in accordance with GAAP. They are not measurements of our financial performance under GAAP and should not be considered as alternatives to revenue, net income, or cash provided by (used in) operating activities, as applicable, or any other performance measures derived in accordance with GAAP and may not be comparable to other similarly titled measures of other businesses. EBITDA, adjusted EBITDA, adjusted EBITDA margins and adjusted operating cash flow have limitations as analytical tools and you should not consider these…
- Sector
- Technology
- Industry
- Software - Infrastructure
- Headquarters
- Texas, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
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USIO stock FAQ
What is USIO stock’s price today?
Usio (USIO) traded at $2.96 at the close on , up $0.03 (1.02%) from the previous close of $2.93. Over the past 52 weeks it has traded between $1.03 and $3.29.
If you invested $1,000 in USIO 10 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in USIO on would be worth about $1,534 at the close on , a total return of +53.4%. The same $1,000 would be worth $487 if invested five years ago, $1,967 if invested one year ago, and $1,462 if invested 20 years ago. Past performance doesn’t predict future returns.
What is Usio’s market cap?
Usio’s market capitalization is about $81.7 million. That’s Tiingo’s daily market cap for , at that day’s closing price of $2.96 (how market cap works). Usio reported 27.60M shares outstanding at the end of its latest quarter ().
What is USIO’s P/E ratio?
USIO’s P/E ratio isn’t meaningful right now because its earnings over the four quarters to are negative (diluted EPS of −$0.06). When it was profitable over the past five years, its P/E ranged from 10.1 to 21.3.
How much revenue does Usio make?
Usio reported $92.6 million of revenue over the four quarters to , up 10.4% from the twelve months before. In its latest quarter (Q2 FY26, ended ) revenue was $23.7 million, up 18.6% from a year earlier.
Is Usio profitable?
Not over the four quarters to . Usio reported a net loss of $1.5 million across those four quarters on $92.6 million of revenue.
What are USIO’s earnings per share?
USIO’s diluted earnings per share were −$0.06 over the four quarters to , compared with $0.10 in the twelve months before. The latest quarter (Q2 FY26) brought $0.01 per share, against −$0.01 a year earlier (how EPS works).
Does USIO pay a dividend?
Usio hasn’t paid a dividend in the last twelve months.
What is USIO’s 52-week high and low?
Over the past 52 weeks USIO has traded as low as $1.03 and as high as $3.29. At $2.96 at the close on , it is 10.0% below that high and 187.4% above the low.
What is USIO’s all-time high?
USIO’s highest closing price was $80.70 on , adjusted for stock splits. At $2.96 at the close on , it is 96.3% below that record.
Has USIO stock ever split?
Yes, once: 1-for-15 on .
How has USIO stock performed?
Including dividends and measured to the close on , USIO has returned +117.6% so far this year and +96.7% over the past year, and −51.3% over five years (−13.4% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is Usio in?
Usio is in the Technology sector and the Software - Infrastructure industry, and is headquartered in Texas, USA.
What exchange does USIO trade on?
Usio trades on the Nasdaq under the ticker symbol USIO. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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