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MARKETS / NASDAQ / Financials / Banks / 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

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

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
30M60M
201020132016201920222025
Compound annual growth
+7.1%
+21.5%
+19.5%
+26.2%
−10.1%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +21.5% a year over the five years to FY2025.

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%
201020172025
ROE
FY2025 · ROE -13.6%
50%100%-20%-40%
201020172025
Three returns, three denominators.
Gross margin23.1%
Operating margin-2.8%
Net margin-2.9%
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-10M-20M
201020172025
Net buybacks $M Dividends $M
FY2025 · Dividends · · Net buybacks 1.0
0.5M1.0M-2.5M-5.0M
2010201520172019202120232025
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—not applicable◌not available in our data
USIO, 16-year financial record
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 % — not applicable: no dividend————————————————
ROE %−13.619.3−3.3−33.6−1.8−23.9−59.5−33.2−27.2−13.212.6100.2−56.892.8——
Shares out B0.030.030.030.030.030.020.020.020.020.010.010.180.140.140.140.14

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

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UNH · BRK-A · BRK-B · CI · ELV · CNC
Provenance

Company facts, as filed

How we verify · 0 failures in 71 reconciliationsAUDITED

Reconciled in 16 of the 16 fiscal years we could check. Six checks were skipped: the balance sheet is not tagged before 2010. Three checks were skipped: EPS is not tagged before 2010. Three checks were skipped: revenue is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 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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