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MARKETS / NASDAQ / USIO
NASDAQ · FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC · SMALL CAP

Usio, Inc. USIO

16 fiscal years on record · USD · FY2025 reported · SEC filings only
$85.4M
▲ 3.0% YoY
$-2.5M
▼ 176.0% YoY
$1.1M
▼ 60.1% YoY
In brief

What this company does

As a cloud-based fintech payment processor, Usio serves multiple industry verticals with technology that facilitates payment acceptance and funds disbursement in a single, full-stack ecosystem. The company provides payment acceptance through multiple methods, including payment facilitation, prepaid card and electronic billing products and services to businesses, merchants and consumers. Since 1998, through its merchant services business lines -- now consisting of ACH and complementary services, credit card processing and prepaid cards -- Usio has entered a number of market verticals within the payments industry. As of December 31, 2025, the company had 107 full-time employees and three part-time employees. Usio was founded under the name Billserv.com, Inc. in July 1998 and incorporated in the State of Nevada.

Written from the business description in Usio, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 18 March 2026. Every sentence was checked against that document before publication.

Growth
USD 85.4M
Revenue, FY2025 · full 16-year series below
Revenue $M Net income $M
FY2025 · Revenue 85.4 · Net income -2.5
40M80M201020122014201620182020202220242025
Compound annual growth
+7.1%
+21.5%
+19.5%
+26.2%
−10.1%
+35.1%
+133.1%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +21.5% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
−3 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -2.8% · Net -2.9%
10%20%-10%-20%201020122014201620182020202220242025
ROE
FY2025 · ROE -13.6%
50%100%-20%-40%201020122014201620182020202220242025
Gross margin23.1%
Operating margin-2.8%
Net margin-2.9%
Return on assets-2.1%
EBITDAUSD -413,381.00

Each USD of equity lost 14 cents this year.

Cash & shareholders
USD 975,944.00
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 1.1
10M20M-8M-16M201020122014201620182020202220242025
Net buybacks $M Dividends $M
FY2025 · Dividends — · Net buybacks 1.0
0.5M1.0M-2.5M-5.0M2010201520172019202120232025
Dividends paid—
Net buybacksUSD 975,944.00
Share of profit-38.8%
Consecutive raises—

USD 975,944.00 in buybacks went back to shareholders in a year without profit.

Total assetsUSD 134.9M
EquityUSD 17.9M
CashUSD 7.4M
Gross debtUSD 1.4M
Net debtUSD -6.1M
Current ratio1.08×

The company holds more cash than debt.

The 16-year record
16 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.10.10.10.10.10.00.00.00.00.00.00.00.00.00.00.0
Operating income $B−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.00.00.0−0.00.00.0−0.0
EBITDA $B−0.00.00.0−0.00.0−0.0−0.0−0.0−0.0−0.00.00.0−0.00.00.0−0.0
Income tax $B0.0−0.00.00.00.00.00.00.00.00.00.0−0.00.00.00.00.0
Net income $B−0.00.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.00.00.0−0.00.00.0−0.0
Free cash flow $B0.00.00.0−0.00.00.0−0.0−0.0−0.00.00.00.00.00.00.00.0
EPS, diluted $−0.090.12−0.02−0.27−0.02−0.19−0.39−0.31−0.33−0.150.080.41−0.010.010.000.00
Dividend / sh $················
Payout %················
ROE %−13.619.3−3.3−33.6−1.8−23.9−59.5−33.2−27.2−13.212.6100.2−56.892.8147.5·
Shares out B0.030.030.030.030.030.020.020.020.020.010.010.010.140.140.140.14

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 71 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 17 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityFunctions Related To Depository Banking, NEC
Listed onNASDAQ
Incorporated inNevada
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2010

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