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Usio, Inc.

USIO Clue Score35
United States Fiscal year ends December CIK 0001088034
$2.78 -2.11% Close, 9 Oct 2026
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Price $2.78 −52.80% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue12.1Operating income−1.4Net income−1.2EPS, diluted−0.15Fiscal year 2017Revenue14.6 +20.7%Operating income−2.8Net income−3.0EPS, diluted−0.33Fiscal year 2018Revenue25.0 +71.7%Operating income−3.8Net income−3.8EPS, diluted−0.31Fiscal year 2019Revenue28.2 +12.7%Operating income−5.1Net income−5.1EPS, diluted−0.39Fiscal year 2020Revenue32.3 +14.4%Operating income−3.8Net income−2.9EPS, diluted−0.19Fiscal year 2021Revenue61.9 +92.1%Operating income−0.2Net income−0.3EPS, diluted−0.02Fiscal year 2022Revenue69.4 +12.1%Operating income−5.2Net income−5.5EPS, diluted−0.27Fiscal year 2023Revenue84.1 +21.1%Operating income−0.4Net income−0.5EPS, diluted−0.02Fiscal year 2024Revenue82.9 −1.3%Operating income−1.5Net income3.3EPS, diluted0.12Fiscal year 2025Revenue85.4 +3.0%Operating income−2.4Net income−2.5 −176.0%EPS, diluted−0.09 −175.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 12.1 14.6 25.0 28.2 32.3 61.9 69.4 84.1 82.9 85.4
Growth +20.7% +71.7% +12.7% +14.4% +92.1% +12.1% +21.1% −1.3% +3.0%
Operating income −1.4 −2.8 −3.8 −5.1 −3.8 −0.2 −5.2 −0.4 −1.5 −2.4
Net income −1.2 −3.0 −3.8 −5.1 −2.9 −0.3 −5.5 −0.5 3.3 −2.5
Growth −176.0%
EPS, diluted −0.15 −0.33 −0.31 −0.39 −0.19 −0.02 −0.27 −0.02 0.12 −0.09
Growth −175.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2016Operating margin−11.3%Net margin−9.9%Free cash flow margin5.7%Fiscal year 2017Gross margin25.9%Operating margin−19.5%Net margin−20.6%Free cash flow margin−9.0%Fiscal year 2018Gross margin22.3%Operating margin−15.1%Net margin−15.1%Free cash flow margin−13.8%Fiscal year 2019Gross margin21.1%Operating margin−18.0%Net margin−18.1%Free cash flow margin−15.5%Fiscal year 2020Gross margin22.9%Operating margin−11.6%Net margin−9.0%Free cash flow margin16.9%Fiscal year 2021Gross margin25.2%Operating margin−0.3%Net margin−0.5%Free cash flow margin46.0%Fiscal year 2022Gross margin21.0%Operating margin−7.5%Net margin−7.9%Free cash flow margin−25.7%Fiscal year 2023Gross margin23.9%Operating margin−0.5%Net margin−0.6%Free cash flow margin3.2%Fiscal year 2024Gross margin23.7%Operating margin−1.8%Net margin4.0%Free cash flow margin3.3%Fiscal year 2025Gross margin23.1%Operating margin−2.8%Net margin−2.9%Free cash flow margin1.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin n/a 25.9% 22.3% 21.1% 22.9% 25.2% 21.0% 23.9% 23.7% 23.1%
Operating margin −11.3% −19.5% −15.1% −18.0% −11.6% −0.3% −7.5% −0.5% −1.8% −2.8%
Net margin −9.9% −20.6% −15.1% −18.1% −9.0% −0.5% −7.9% −0.6% 4.0% −2.9%
Free cash flow margin 5.7% −9.0% −13.8% −15.5% 16.9% 46.0% −25.7% 3.2% 3.3% 1.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.8Capital expenditure−0.2Free cash flow0.7Buybacks−0.4Fiscal year 2017Operating cash flow−0.9Capital expenditure−0.4Free cash flow−1.3 −288.9%Buybacks−0.1Fiscal year 2018Operating cash flow−2.8Capital expenditure−0.7Free cash flow−3.5Buybacks−1.0Fiscal year 2019Operating cash flow−3.7Capital expenditure−0.6Free cash flow−4.4Buybacks−0.1Fiscal year 2020Operating cash flow6.3Capital expenditure−0.9Free cash flow5.4Buybacks−0.3Fiscal year 2021Operating cash flow29.8Capital expenditure−1.3Free cash flow28.5 +424.2%Buybacks−0.2Fiscal year 2022Operating cash flow−17.0Capital expenditure−0.8Free cash flow−17.8 −162.6%Buybacks−1.3Fiscal year 2023Operating cash flow3.5Capital expenditure−0.8Free cash flow2.7Buybacks−0.5Fiscal year 2024Operating cash flow2.9Capital expenditure−0.2Free cash flow2.7 +1.0%Buybacks−1.4Fiscal year 2025Operating cash flow1.5Capital expenditure−0.4Free cash flow1.1 −60.1%Buybacks−1.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.8 −0.9 −2.8 −3.7 6.3 29.8 −17.0 3.5 2.9 1.5
Capital expenditure −0.2 −0.4 −0.7 −0.6 −0.9 −1.3 −0.8 −0.8 −0.2 −0.4
Free cash flow 0.7 −1.3 −3.5 −4.4 5.4 28.5 −17.8 2.7 2.7 1.1
Growth −288.9% +424.2% −162.6% +1.0% −60.1%
Buybacks −0.4 −0.1 −1.0 −0.1 −0.3 −0.2 −1.3 −0.5 −1.4 −1.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash4.1Shareholders’ equity9.0Fiscal year 2017Cash4.6Shareholders’ equity13.1Fiscal year 2018Cash2.2Shareholders’ equity9.6Fiscal year 2019Cash2.1Shareholders’ equity7.6Fiscal year 2020Cash5.0Total debt0.0Net cash (debt)5.0Shareholders’ equity16.7Debt to equity0.00Fiscal year 2021Cash7.3Total debt0.1Net cash (debt)7.1Shareholders’ equity18.7Debt to equity0.01Fiscal year 2022Cash5.7Total debt0.1Net cash (debt)5.6Shareholders’ equity13.9Debt to equity0.01Fiscal year 2023Cash7.2Total debt0.8Net cash (debt)6.3Shareholders’ equity15.1Debt to equity0.05Fiscal year 2024Cash8.1Total debt0.7Net cash (debt)7.3Shareholders’ equity19.2Debt to equity0.04Fiscal year 2025Cash7.4Total debt1.4Net cash (debt)6.1Shareholders’ equity17.9Debt to equity0.08
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 4.1 4.6 2.2 2.1 5.0 7.3 5.7 7.2 8.1 7.4
Total debt n/a n/a n/a n/a 0.0 0.1 0.1 0.8 0.7 1.4
Net cash (debt) n/a n/a n/a n/a 5.0 7.1 5.6 6.3 7.3 6.1
Shareholders’ equity 9.0 13.1 9.6 7.6 16.7 18.7 13.9 15.1 19.2 17.9
Debt to equity n/a n/a n/a n/a 0.00 0.01 0.01 0.05 0.04 0.08

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a 25.9% 22.3% 21.1% 22.9% 25.2% 21.0% 23.9% 23.7% 23.1%
−11.3% −19.5% −15.1% −18.0% −11.6% −0.3% −7.5% −0.5% −1.8% −2.8%
−9.6% −18.8% −14.8% −17.8% −8.9% −0.2% −7.5% −0.2% 0.8% −2.3%
−9.9% −20.6% −15.1% −18.1% −9.0% −0.5% −7.9% −0.6% 4.0% −2.9%
5.7% −9.0% −13.8% −15.5% 16.9% 46.0% −25.7% 3.2% 3.3% 1.3%
Spending
n/a n/a n/a n/a n/a n/a n/a n/a 20.2% 21.5%
1.3% 2.6% 2.8% 2.3% 2.7% 2.1% 1.2% 1.0% 0.2% 0.5%
n/a n/a n/a n/a n/a n/a n/a n/a −387.3% n/a
Returns
−13.3% −22.9% −39.2% −67.6% −17.4% −1.7% −39.4% −3.2% 17.3% −14.0%
−1.7% −4.5% −5.5% −8.3% −3.5% −0.2% −5.6% −0.4% 3.1% −1.9%
Balance and payout
n/a n/a n/a n/a 0.00 0.01 0.01 0.05 0.04 0.08
n/a 80.5% 85.9% 87.7% 79.8% 86.0% 85.8% 85.9% 82.1% 86.7%
62.3% n/a n/a n/a 5.2% 0.8% n/a 17.1% 52.2% 98.9%