USIONasdaqFunctions Related To Depository Banking, NECFiscal year ends December 31
Usio, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 12, 2026
$2.86+0.04 (+1.42%)
Close on Oct 19, 2026
- Market cap
- $79.56M
- P/E (TTM)
- –
- Dividend yield
- –
Usio statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Functions Related To Depository Banking, NEC companies for comparison
Valuation
| Measure | Usio | Industry median |
|---|---|---|
| Market Cap | $81.50M | $679.86M |
| Enterprise Value | $76.36M | $408.94M |
| PS Ratio | 0.88 | 3.59 |
| PB Ratio | 4.34 | 1.18 |
| P/TBV Ratio | 4.34 | 1.41 |
| P/OCF Ratio | 124.23 | 10.01 |
Enterprise value
| Measure | Usio | Industry median |
|---|---|---|
| EV / Sales | 0.82 | 2.76 |
| EV / EBITDA | 202.46 | 6.13 |
Income (trailing twelve months)
| Measure | Usio | Industry median |
|---|---|---|
| Revenue | $92.57M | $170.85M |
| Gross Profit | $20.61M | |
| Operating Income | -$1.12M | $81.35M |
| Pretax Income | -$784.76K | $70.12M |
| Net Income | -$1.51M | $54.33M |
| EBITDA | $377.19K | $92.75M |
| EPS (Diluted) | -$0.06 | $2.91 |
Margins
| Measure | Usio | Industry median |
|---|---|---|
| Gross Margin | 22.3% | |
| Operating Margin | -1.21% | 11.5% |
| Pretax Margin | -0.85% | 36.5% |
| Profit Margin | -1.63% | 29.1% |
| EBITDA Margin | 0.41% | 32.4% |
| FCF Margin | -0.26% | 33.2% |
Returns
| Measure | Usio | Industry median |
|---|---|---|
| Return on Equity (ROE) | -8.04% | 10.6% |
| Return on Assets (ROA) | -1.30% | 1.12% |
| Return on Invested Capital (ROIC) | -6.93% | 7.82% |
| Return on Capital Employed (ROCE) | -5.02% |
Growth
| Measure | Usio | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 10.4% | 11.8% |
| Net Income Growth (YoY) | -152.4% | 23.2% |
| EPS Growth (YoY) | -160.0% | 23.1% |
| FCF Growth (YoY) | -107.1% | 28.5% |
| Revenue Growth (3Y CAGR) | 7.14% | 5.82% |
| Revenue Growth (5Y CAGR) | 21.5% | 6.17% |
Balance sheet
| Measure | Usio | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $6.39M | $205.54M |
| Total Debt | $1.25M | $177.19M |
| Net Cash (Debt) | $5.13M | $164.40M |
| Net Cash Per Share | $0.18 | $8.13 |
| Equity (Book Value) | $18.79M | $563.88M |
| Book Value Per Share | $0.66 | $28.47 |
| Tangible Book Value | $18.78M | $475.36M |
| Working Capital | $9.70M |
Financial position
| Measure | Usio | Industry median |
|---|---|---|
| Current Ratio | 1.10 | |
| Quick Ratio | 0.13 | |
| Debt / Equity | 0.07 | 0.20 |
| Debt / EBITDA | 3.32 | 3.95 |
| Net Debt / EBITDA | -13.61 | 2.15 |
| Interest Coverage | -15.09 | 0.68 |
Cash flow (trailing twelve months)
| Measure | Usio | Industry median |
|---|---|---|
| Operating Cash Flow | $656.03K | $61.52M |
| Capital Expenditures | -$893.21K | -$4.08M |
| Free Cash Flow | -$237.18K | $52.15M |
| FCF Per Share | -$0.01 | $3.05 |
Efficiency
| Measure | Usio | Industry median |
|---|---|---|
| Asset Turnover | 0.80 | 0.04 |
| Inventory Turnover | 186.29 | |
| Revenue Per Employee | $865.12K | $353.78K |
| Profits Per Employee | -$14.09K | $107.28K |
| Employee Count | 107 | 489 |
Dividends and yields
| Measure | Usio | Industry median |
|---|---|---|
| Earnings Yield | -1.85% | 8.13% |
| FCF Yield | -0.29% | 8.91% |
| Buyback Yield | 0.79% | 1.55% |
| Shareholder Yield | 0.79% | 3.13% |
Shares
| Measure | Usio | Industry median |
|---|---|---|
| Shares Outstanding | 28,495,400 | 18,839,100 |
| Shares Change (YoY) | 2.28% | 0.40% |
| Shares Change (QoQ) | 3.04% | 0.00% |
| Shares Held by Institutions | 21.9% | 61.9% |
Taxes
| Measure | Usio | Industry median |
|---|---|---|
| Income Tax | $723.37K | $14.50M |
Scores
| Measure | Usio | Industry median |
|---|---|---|
| Altman Z-Score | 0.48 | 0.21 |
| Piotroski F-Score | 3 | 6 |
| Beneish M-Score | -2.71 |
Calculated by StockData from Usio's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.