Usio, Inc.

USIO

Usio, Inc.

USIO

Insider Sentiment (TTM):

Last Purchase:2024-08-23Last Sale:2026-03-10Shares Purchased (TTM):0Shares Sold (TTM):47,247

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:6,035,011Shares Outstanding:27,748,037Institutional Ownership Pct.:21.75%

Earnings Market Reaction:

Filing Date:2026-08-12Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Cash Equivalents At Carrying Value	6	8	7	8	8	9	8	8	7	7	7	7
Accounts Receivable Net Current	7	5	5	5	5	5	5	4	5	5	6	5
Inventory Net	0	0	0	0	0	0	0	0	0	0	0	0
Prepaid Expense And Other Assets Current	2	2	1	1	1	1	1	1	1	1	0	1
Assets Current	111	107	123	88	97	98	95	102	100	90	97	121
Property Plant And Equipment Net	5	5	4	4	3	3	3	3	3	3	4	3
Other Assets Noncurrent
Finite Lived Intangible Assets Net	0	0	0	0	0	1	1	1	1	2	2	2
Deferred Income Tax Assets Net	4	4	5	5	5	5	5	5	2	2	2	2
Operating Lease Right Of Use Asset	3	4	2	3	3	3	3	3	2	2	2	3
Other Assets Noncurrent	0	0	0	0	0	0	0	0	0	0	0	0
Assets	124	120	135	99	108	110	107	115	109	99	107	131
Liabilities Current
Accounts Payable Current	1	1	1	1	1	1	1	1	1	1	1	1
Accrued Liabilities Current	3	4	3	3	3	3	3	3	3	3	4	4
Operating Lease Liability Current	1	1	1	1	1	1	1	1	0	0	1	1
Long Term Debt Current	0	0	0	0	0	0	0	0	0	0	0	0
Liabilities Current	101	98	114	78	87	88	85	93	91	81	89	114
Liabilities Noncurrent
Long Term Debt Noncurrent	1	1	1	1	0	1	1	1	1	1	1	0
Operating Lease Liability Noncurrent	3	3	2	2	2	2	3	3	2	2	2	2
Liabilities	105	102	117	81	90	91	88	96	93	84	92	116
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	104	102	102	102	100	100	100	99	99	98	97	97
Treasury Stock Common Value	-7	-7	-7	-7	-6	-6	-6	-5	-5	-4	-4	-4
Deferred Compensation Equity	-8	-7	-7	-7	-6	-7	-7	-7	-8	-7	-7	-7
Retained Earnings Accumulated Deficit	-70	-70	-71	-69	-69	-68	-68	-69	-72	-72	-71	-71
Stockholders Equity	19	18	18	19	19	19	19	19	16	15	15	15
Liabilities And Stockholders Equity	124	120	135	99	108	110	107	115	109	99	107	131
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Issued	-	-	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	-	-	-	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.001	0.001	0.001	0.001	0.001	0.01	0.001	0.001	0.001	0.001	0.001	0.001
Common Stock Shares Authorized	200	200	200	200	200	200	200	200	200	200	200	200
Common Stock Shares Issued	33	32	32	31	30	30	30	30	30	29	29	29
Shares Outstanding	29	28	28	27	26	27	27	27	27	26	26	26
Treasury Stock Common Shares	4	4	4	4	4	4	3	3	2	2	2	2

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	15.27%	89.31%	63.36%	-	-	-	-	-	-	-	-	-
2025	-10.26%	3.85%	7.69%	-20.86%	-21.39%	-22.99%	-1.40%	-3.50%	-2.10%	-5.79%	5.79%	24.79%
2024	-7.55%	-3.77%	-3.14%	3.42%	-3.42%	-8.22%	7.86%	3.57%	73.57%	-4.40%	-8.81%	-13.21%
2023	-	-	-	16.67%	33.33%	23.72%	-4.97%	-4.97%	-4.42%	-14.29%	-5.14%	-6.29%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Liquidity Ratios
Current Ratio	1.10	1.09	1.08	1.13	1.11	1.12	1.12	1.10	1.10	1.11	1.09	1.07
Quick Ratio	1.07	1.07	1.07	1.11	1.10	1.10	1.11	1.09	1.09	1.09	1.08	1.06
Working Capital	9.70M	9.02M	9.39M	10.00M	9.91M	10.17M	10.21M	9.62M	9.40M	8.69M	8.01M	7.49M
Leverage & Debt
Debt to Equity	5.59	5.62	6.53	4.32	4.78	4.77	4.60	5.05	5.93	5.49	6.10	7.77
Interest Coverage TTM	-15.09	-30.04	-45.30	-36.11	-32.62	-27.43	-27.33	-17.75	-36.90	-40.57	-86.00	-252.37
Debt Ratio	0.85	0.85	0.87	0.81	0.83	0.83	0.82	0.83	0.86	0.85	0.86	0.89
Efficiency & Turnover
Asset Turnover TTM	0.80	0.77	0.71	0.78	0.77	0.80	0.77	0.67	0.72	0.88	0.82	0.74
Days Sales Outstanding TTM	22.51	20.52	22.07	20.64	22.61	20.50	23.37	20.91	23.78	22.01	21.57	19.39
Receivables Turnover TTM	16.22	17.79	16.54	17.68	16.15	17.81	15.62	17.46	15.35	16.58	16.92	18.82
Per Share Metrics
Diluted EPS TTM	-0.05	-0.08	-0.09	0.00	0.11	0.12	0.12	0.10	-0.03	-0.03	-0.02	-0.11
Free Cash Flow Per Share TTM	-0.01	0.01	0.04	0.08	0.13	0.15	0.09	-1.34	-0.93	0.11	0.10	1.76
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	22.26%	22.53%	23.06%	23.75%	23.74%	23.31%	23.65%	24.07%	23.88%	23.96%	23.88%	23.54%
Operating Profit Margin TTM	-1.21%	-2.13%	-2.76%	-2.04%	-1.93%	-1.70%	-1.77%	-0.97%	-1.43%	-0.88%	-0.53%	-0.73%
Net Profit Margin TTM	-1.63%	-2.43%	-2.94%	0.06%	3.43%	3.95%	3.99%	3.43%	-1.06%	-0.89%	-0.57%	-3.39%
Growth Metrics
Net Revenue Growth (1Y)	10.40%	5.81%	2.97%	1.38%	1.97%	0.45%	-1.35%	0.00%	5.45%	14.88%	21.08%	21.16%
Net Income Growth (1Y)	-152.39%	-164.89%	-176.00%	-98.08%	-430.99%	-548.67%	-795.74%	-201.24%	-48.87%	-80.76%	-91.34%	-10.76%
EPS Growth (1Y)	-149.82%	-162.24%	-175.79%	-98.05%	-431.97%	-544.62%	-786.38%	-197.76%	-49.10%	-80.66%	-93.33%	-31.10%
Valuation Metrics
P/E TTM	-45.75	-14.68	-14.58	702.48	14.06	11.70	11.86	13.12	-46.68	-60.58	-95.90	-16.51
P/B TTM	3.67	1.74	2.04	2.04	2.16	2.05	2.05	1.96	2.58	2.94	3.02	3.10
P/S TTM	0.75	0.36	0.43	0.46	0.48	0.46	0.47	0.45	0.49	0.54	0.54	0.56
Market Cap	68.99M	31.63M	36.62M	38.19M	40.48M	38.86M	39.20M	37.16M	40.60M	44.84M	45.56M	46.17M
Enterprise Value	-32.18M	-66.62M	-78.33M	-42.36M	33.62M	-52.71M	-47.69M	29.52M	-51.95M	-38.26M	39.23M	-26.95M
Calculated Values
Free Cash Flow TTM	-237.18K	275.78K	1.08M	2.05M	3.33M	3.89M	2.45M	-36.72M	-24.55M	3.01M	2.67M	46.55M
Net Debt	-101.17M	-98.25M	-114.95M	-80.54M	-6.86M	-91.57M	-86.90M	-7.64M	-92.55M	-83.10M	-6.33M	-73.12M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-10Sale

Owner: National, Services, Inc

Title: -

Shares: 10,000

Price/Share: $1.27

Value: $12,700.00

Shares Owned: 2,721,272

Relationship: TenPercentOwner

Ownership: Direct

2026-03-06Sale

Owner: National, Services, Inc

Title: -

Shares: 6,697

Price/Share: $1.35

Value: $9,040.95

Shares Owned: 2,740,132

Relationship: TenPercentOwner

Ownership: Direct

2026-01-27Sale

Owner: National, Services, Inc

Title: -

Shares: 5,922

Price/Share: $1.36

Value: $8,053.92

Shares Owned: 2,749,616

Relationship: TenPercentOwner

Ownership: Direct

2026-01-23Sale

Owner: National, Services, Inc

Title: -

Shares: 8,961

Price/Share: $1.34

Value: $12,007.74

Shares Owned: 2,760,040

Relationship: TenPercentOwner

Ownership: Direct

2026-01-21Sale

Owner: National, Services, Inc

Title: -

Shares: 7,512

Price/Share: $1.36

Value: $10,216.32

Shares Owned: 2,776,485

Relationship: TenPercentOwner

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-10	National, Services, Inc	TenPercentOwner	-	Direct	Sale	10,000	1.27	$12,700.00	2,721,272	4/A
2026-03-06	National, Services, Inc	TenPercentOwner	-	Direct	Sale	6,697	1.35	$9,040.95	2,740,132	4
2026-01-27	National, Services, Inc	TenPercentOwner	-	Direct	Sale	5,922	1.36	$8,053.92	2,749,616	4
2026-01-23	National, Services, Inc	TenPercentOwner	-	Direct	Sale	8,961	1.34	$12,007.74	2,760,040	4
2026-01-21	National, Services, Inc	TenPercentOwner	-	Direct	Sale	7,512	1.36	$10,216.32	2,776,485	4
2026-01-16	National, Services, Inc	TenPercentOwner	-	Direct	Sale	6,043	1.36	$8,218.48	2,793,997	4
2026-01-14	National, Services, Inc	TenPercentOwner	-	Direct	Sale	2,112	1.37	$2,893.44	2,805,652	4
2024-10-01	National, Services, Inc	TenPercentOwner	-	Direct	Sale	6,897	1.37	$9,448.89	2,813,172	4
2024-08-23	Hoch, Louis A	Director,Officer,TenPercentOwner	Chairman, President and CEO	Direct	Purchase	200	1.50	$300.00	3,195,317	4
2024-08-21	Hoch, Louis A	Director,Officer,TenPercentOwner	Chairman, President and CEO	Direct	Purchase	300	1.50	$450.00	3,195,117	4
2024-08-20	Hoch, Louis A	Director,Officer,TenPercentOwner	Chairman, President and CEO	Direct	Purchase	500	1.50	$750.00	3,194,817	4
2024-08-19	Hoch, Louis A	Director,Officer,TenPercentOwner	Chairman, President and CEO	Direct	Purchase	1,500	1.48	$2,220.00	3,194,317	4
2023-06-20	National, Services, Inc	TenPercentOwner	-	Direct	Purchase	9,000	1.96	$17,640.00	2,845,069	4
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Institutional Ownership

No data available for chart

2026-03-31

21.75%

Inst. Shares: 6,035,011

Shares Outstanding: 27,748,037

2025-12-31

13.75%

Inst. Shares: 3,703,008

Shares Outstanding: 26,926,838

2025-09-30

24.34%

Inst. Shares: 6,545,927

Shares Outstanding: 26,892,925

2025-06-30

25.64%

Inst. Shares: 6,783,631

Shares Outstanding: 26,456,411

2025-03-31

24.69%

Inst. Shares: 6,571,443

Shares Outstanding: 26,615,947

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	6,035,011	27,748,037	21.75%
2025-12-31	3,703,008	26,926,838	13.75%
2025-09-30	6,545,927	26,892,925	24.34%
2025-06-30	6,783,631	26,456,411	25.64%
2025-03-31	6,571,443	26,615,947	24.69%
2024-12-31	7,306,819	26,852,129	27.21%
2024-09-30	7,750,367	27,322,497	28.37%
2024-06-30	3,923,325	26,534,407	14.79%
2024-03-31	3,341,577	26,375,762	12.67%
2023-12-31	3,395,332	26,490,868	12.82%
2023-09-30	3,721,177	26,383,144	14.10%
2023-06-30	3,795,926	26,413,329	14.37%
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Usio, Inc. (USIO) — SEC Financial Statements & Analysis

Usio, Inc. (USIO) is a functions related to depository banking, nec company, incorporated in NV. Usio, Inc. trades on Nasdaq as: USIO. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Usio, Inc. reported a 10.40% year-over-year revenue growth, a Gross Profit Margin of 22.26% (TTM), a Debt-to-Equity ratio of 5.59x, a Price-to-Sales (P/S) ratio of 0.75x (TTM), a Price-to-Book (P/B) ratio of 3.67x (TTM), at a market cap of $68.99M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 10.40%
Gross Profit Margin TTM: 22.26%
Debt To Equity: 5.59x
P/S TTM: 0.75x
P/B TTM: 3.67x
Market Cap: $68.99M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Usio, Inc. in?

Usio, Inc. (USIO) operates in the Functions Related To Depository Banking, NEC industry.

What is USIO's market cap?

Usio, Inc. (USIO) has a market capitalization of $68.99M as of 2026-06-30.

What exchange does USIO trade on?

Usio, Inc. (USIO) trades on the Nasdaq.

Where is Usio, Inc. incorporated?

Usio, Inc. is incorporated in NV.

Usio, Inc.

Financial Statements

Custom Table

Interactive Financial Visualizations

Earnings Market Reaction

Performance and Valuation Metrics

Insider Transactions

Institutional Ownership

Usio, Inc. (USIO) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Functions Related To Depository Banking, NEC

Wall Street's data.
Main Street's price.

Usio, Inc. (USIO) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Functions Related To Depository Banking, NEC

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.