Symbols / USIO $1.18 -0.84% Usio, Inc.

Technology • Software - Infrastructure • United States • NGM
USIO Chart
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About

Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services includes represented check and check conversion for electronic payment facilitation. In addition, the company offers integrated electronic payment processing services to merchants and businesses, including credit, and debit card-based processing services and electronic funds transfer through the ACH network. In addition, it offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, and Discover supported by online and physical terminal access. Further, it provides a proprietary platform, enabling businesses to handle both e-checks and card payments; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Additionally, the company offers prepaid and incentive card issuance services; and operates a payment facilitation platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.

Fundamentals
Scroll to Statements
Market Cap 32.74M Enterprise Value 29.47M Income -2.51M Sales 85.39M Book/sh 0.65 Cash/sh 0.27
Dividend Yield — Payout 0.00% Employees 107 IPO — P/E — Forward P/E -39.33
PEG 0.95 P/S 0.38 P/B 1.83 P/C — EV/EBITDA -71.30 EV/Sales 0.34
Quick Ratio 0.11 Current Ratio 1.08 Debt/Eq 21.72 LT Debt/Eq — EPS (ttm) -0.09 EPS next Y -0.03
EPS Growth — Revenue Growth 8.20% Earnings 2026-05-15 ROA -1.22% ROE -13.55% ROIC —
Gross Margin 23.06% Oper. Margin -5.66% Profit Margin -2.94% Shs Outstand 27.75M Shs Float 19.72M Short Float 0.05%
Short Ratio 0.16 Short Interest — 52W High 2.02 52W Low 1.03 Beta 1.32 Avg Volume 42.27K
Volume 12.06K Target Price $5.06 Recom None Prev Close $1.19 Price $1.18 Change -0.84%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$5.06
Mean price target
2. Current target
$1.18
Latest analyst target
3. DCF / Fair value
$0.44
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.18
Low
$4.00
High
$6.00
Mean
$5.06

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-20 reit HC Wainwright & Co. Buy → Buy $4
2025-03-27 reit HC Wainwright & Co. Buy → Buy $4
2025-01-29 reit HC Wainwright & Co. Buy → Buy $4
2024-08-16 reit HC Wainwright & Co. Buy → Buy $4
2024-06-05 init Litchfield Hills — → Buy $6
2024-05-17 reit HC Wainwright & Co. Buy → Buy $4
2024-04-01 main HC Wainwright & Co. Buy → Buy $4
2023-08-16 reit HC Wainwright & Co. Buy → Buy $4
2023-05-25 reit Barrington Research Market Perform → Market Perform —
2023-05-17 init HC Wainwright & Co. — → Buy $4
2022-08-15 main Maxim Group — → Buy $5
2022-08-12 down Barrington Research Outperform → Market Perform $4
2020-05-07 init Ladenburg Thalmann — → Buy $5
News
RSS: Latest USIO news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-16 ROLLINS BRADLEY Director — 7,000 $1.21 $8,470
2026-03-16 BEYER DEL LA GARZA ERNESTO R. Director — 7,000 — —
2026-03-16 MILLER ELIZABETH MICHELLE Director — 2,000 $1.21 $2,420
2026-03-10 NATIONAL SERVICES, INC Beneficial Owner of more than 10% of a Class of Security — 18,860 $1.27 $24,343
2026-03-10 NATIONAL SERVICES, INC Beneficial Owner of more than 10% of a Class of Security — 18,860 $1.27 $24,343
2026-03-06 NATIONAL SERVICES, INC Beneficial Owner of more than 10% of a Class of Security — 9,484 $1.35 $12,851
2026-02-20 HOCH LOUIS A Chief Executive Officer — 11,000 — —
2026-02-20 FROST HOUSTON KORTH Officer — 4,000 $1.34 $5,360
2026-02-20 CARTER GREGORY M Officer — 4,000 — —
2026-01-27 NATIONAL SERVICES, INC Beneficial Owner of more than 10% of a Class of Security — 10,424 $1.35 $14,104
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
85.39
+2.97%
82.93
-1.35%
84.07
+21.08%
69.43
Operating Revenue
85.39
+2.97%
82.93
-1.35%
84.07
+21.08%
69.43
Cost Of Revenue
65.70
+3.76%
63.32
-1.05%
63.99
+16.70%
54.84
Reconciled Cost Of Revenue
65.70
+3.76%
63.32
-1.05%
63.99
+16.70%
54.84
Gross Profit
19.69
+0.40%
19.61
-2.29%
20.07
+37.56%
14.59
Operating Expense
22.05
+4.59%
21.08
+2.75%
20.52
+3.60%
19.81
Selling General And Administration
20.11
+6.83%
18.82
+746.68%
2.22
+7.28%
2.07
General And Administrative Expense
20.11
+6.83%
18.82
+746.68%
2.22
+7.28%
2.07
Salaries And Wages
1.74
-16.70%
2.09
-5.83%
2.22
+7.28%
2.07
Other Gand A
18.36
+9.77%
16.73
+3.15%
16.22
+8.11%
15.00
Other Operating Expenses
—
16.73
+3.15%
16.22
+8.11%
15.00
Total Expenses
87.75
+3.97%
84.40
-0.13%
84.51
+13.22%
74.64
Operating Income
-2.36
-60.48%
-1.47
-228.67%
-0.45
+91.42%
-5.21
Total Operating Income As Reported
-2.36
-60.48%
-1.47
-228.67%
-0.45
+91.42%
-5.21
EBITDA
-0.00
-100.04%
3.00
+57.31%
1.90
+177.28%
-2.46
Normalized EBITDA
-0.00
-100.04%
3.00
+57.31%
1.90
+177.28%
-2.46
Reconciled Depreciation
1.95
-14.01%
2.26
+8.73%
2.08
-23.90%
2.74
EBIT
-1.95
-366.01%
0.73
+512.73%
-0.18
+96.59%
-5.20
Total Unusual Items
—
—
—
—
Total Unusual Items Excluding Goodwill
—
—
—
—
Special Income Charges
—
—
—
—
Net Income
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Pretax Income
-2.00
-394.79%
0.68
+471.50%
-0.18
+96.49%
-5.20
Net Non Operating Interest Income Expense
0.36
-13.59%
0.41
+91.33%
0.21
+1820.11%
0.01
Interest Expense Non Operating
0.05
-3.20%
0.05
+934.26%
0.01
+28.41%
0.00
Net Interest Income
0.36
-13.59%
0.41
+91.33%
0.21
+1820.11%
0.01
Interest Expense
0.05
-3.20%
0.05
+934.26%
0.01
+28.41%
0.00
Interest Income Non Operating
0.41
-12.39%
0.46
+111.26%
0.22
+1343.76%
0.02
Interest Income
0.41
-12.39%
0.46
+111.26%
0.22
+1343.76%
0.02
Other Income Expense
0.01
-99.71%
1.74
+3375.37%
0.05
—
Other Non Operating Income Expenses
0.01
-99.71%
1.74
+3375.37%
0.05
—
Tax Provision
0.51
+119.52%
-2.63
-998.12%
0.29
+4.47%
0.28
Tax Rate For Calcs
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Net Income From Continuing Operation Net Minority Interest
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Net Income From Continuing And Discontinued Operation
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Net Income Continuous Operations
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Normalized Income
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Net Income Common Stockholders
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Diluted EPS
-0.09
-175.00%
0.12
+700.00%
-0.02
+92.59%
-0.27
Basic EPS
-0.09
-175.00%
0.12
+700.00%
-0.02
+92.59%
-0.27
Basic Average Shares
26.93
+0.28%
26.85
+1.36%
26.49
+29.99%
20.38
Diluted Average Shares
26.93
+0.28%
26.85
+1.36%
26.49
+29.99%
20.38
Diluted NI Availto Com Stockholders
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Depreciation Amortization Depletion Income Statement
1.95
-14.01%
2.26
+8.73%
2.08
-23.90%
2.74
Depreciation And Amortization In Income Statement
1.95
-14.01%
2.26
+8.73%
2.08
-23.90%
2.74
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
134.89
+25.82%
107.21
+0.26%
106.93
+9.21%
97.91
Current Assets
123.41
+29.69%
95.16
-2.14%
97.24
+11.25%
87.41
Cash Cash Equivalents And Short Term Investments
7.43
-7.73%
8.06
+12.59%
7.16
+25.34%
5.71
Cash And Cash Equivalents
7.43
-7.73%
8.06
+12.59%
7.16
+25.34%
5.71
Receivables
5.27
-19.45%
6.55
+17.69%
5.56
+27.28%
4.37
Accounts Receivable
5.27
+4.37%
5.05
-9.17%
5.56
+27.28%
4.37
Gross Accounts Receivable
5.68
+5.60%
5.38
-8.59%
5.88
+25.42%
4.69
Allowance For Doubtful Accounts Receivable
-0.40
-24.73%
-0.32
-1.57%
-0.32
+0.00%
-0.32
Taxes Receivable
0.00
-100.00%
1.49
0.00
—
Inventory
0.46
+14.33%
0.40
-4.50%
0.42
-16.66%
0.51
Prepaid Assets
29.90
+8.48%
27.57
-17.57%
33.44
+53.95%
21.72
Restricted Cash
4.80
-1.93%
4.89
-7.91%
5.31
+8.16%
4.91
Other Current Assets
75.54
+58.40%
47.69
+5.17%
45.34
-9.65%
50.19
Total Non Current Assets
11.48
-4.75%
12.05
+24.33%
9.69
-7.71%
10.50
Net PPE
6.58
+5.58%
6.23
+2.50%
6.08
+1.04%
6.02
Gross PPE
17.70
+8.68%
16.29
+10.96%
14.68
+9.49%
13.41
Accumulated Depreciation
-11.12
-10.60%
-10.05
-16.95%
-8.60
-16.37%
-7.39
Properties
0.00
0.00
0.00
0.00
Machinery Furniture Equipment
11.22
+19.37%
9.40
+10.54%
8.51
+8.06%
7.87
Other Properties
6.27
-5.92%
6.66
+11.72%
5.96
+11.97%
5.33
Leases
0.21
-6.14%
0.22
+6.55%
0.21
+0.00%
0.21
Goodwill And Other Intangible Assets
0.01
-98.89%
0.88
-49.73%
1.75
-33.22%
2.63
Non Current Deferred Assets
4.53
-1.18%
4.58
+204.55%
1.50
+0.00%
1.50
Non Current Deferred Taxes Assets
4.53
-1.18%
4.58
+204.55%
1.50
+0.00%
1.50
Other Non Current Assets
0.36
+1.42%
0.36
+0.71%
0.36
+0.00%
0.36
Total Liabilities Net Minority Interest
116.98
+32.85%
88.05
-4.15%
91.87
+9.39%
83.98
Current Liabilities
114.02
+34.22%
84.95
-4.80%
89.23
+9.31%
81.62
Payables And Accrued Expenses
3.42
-8.17%
3.73
-6.97%
4.01
+4.75%
3.82
Payables
1.21
-30.28%
1.73
+30.56%
1.33
+12.43%
1.18
Accounts Payable
0.88
-29.94%
1.26
+21.89%
1.03
+20.09%
0.86
Current Accrued Expenses
2.21
+11.01%
2.00
-25.54%
2.68
+1.32%
2.64
Total Tax Payable
0.33
-31.18%
0.47
+60.89%
0.29
-8.07%
0.32
Current Debt And Capital Lease Obligation
0.93
+22.21%
0.76
+2.62%
0.74
+9.96%
0.67
Current Debt
0.29
+96.04%
0.15
+37.58%
0.11
+90.10%
0.06
Other Current Borrowings
0.29
+96.04%
0.15
+37.58%
0.11
+90.10%
0.06
Current Capital Lease Obligation
0.64
+4.43%
0.61
-3.30%
0.63
+2.64%
0.62
Current Deferred Liabilities
29.90
+8.48%
27.57
-17.57%
33.44
+53.95%
21.72
Current Deferred Revenue
2.28
+18.89%
1.92
+2.84%
1.87
+20.05%
1.55
Other Current Liabilities
74.18
+57.48%
47.10
+4.91%
44.90
-9.73%
49.74
Total Non Current Liabilities Net Minority Interest
2.96
-4.67%
3.11
+17.73%
2.64
+12.07%
2.35
Long Term Debt And Capital Lease Obligation
2.96
-4.67%
3.11
+17.73%
2.64
+12.07%
2.35
Long Term Debt
1.07
+87.93%
0.57
-20.46%
0.72
+4695.12%
0.01
Long Term Capital Lease Obligation
1.89
-25.57%
2.53
+32.04%
1.92
-17.95%
2.34
Stockholders Equity
17.91
-6.50%
19.16
+27.13%
15.07
+8.14%
13.93
Common Stock Equity
17.91
-6.50%
19.16
+27.13%
15.07
+8.14%
13.93
Capital Stock
0.03
-84.09%
0.20
+0.62%
0.20
+0.83%
0.20
Common Stock
0.03
-84.09%
0.20
+0.62%
0.20
+0.83%
0.20
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
31.56
+5.55%
29.90
+4.29%
28.67
+6.01%
27.04
Ordinary Shares Number
27.73
+4.21%
26.61
+1.05%
26.33
+4.92%
25.10
Treasury Shares Number
3.83
+16.39%
3.29
+40.77%
2.34
+20.14%
1.95
Additional Paid In Capital
102.36
+2.70%
99.68
+2.25%
97.48
+3.65%
94.05
Retained Earnings
-70.54
-3.69%
-68.03
+4.63%
-71.34
-0.67%
-70.86
Treasury Stock
6.84
+18.48%
5.77
+32.29%
4.36
+16.35%
3.75
Total Equity Gross Minority Interest
17.91
-6.50%
19.16
+27.13%
15.07
+8.14%
13.93
Total Capitalization
18.99
-3.76%
19.73
+24.96%
15.79
+13.18%
13.95
Working Capital
9.39
-8.00%
10.21
+27.42%
8.01
+38.52%
5.79
Invested Capital
19.28
-3.02%
19.88
+25.05%
15.90
+13.49%
14.01
Total Debt
3.89
+0.61%
3.87
+14.42%
3.38
+11.60%
3.03
Capital Lease Obligations
2.53
-19.73%
3.15
+23.27%
2.55
-13.65%
2.96
Net Tangible Assets
17.90
-2.04%
18.28
+37.25%
13.32
+17.75%
11.31
Tangible Book Value
17.90
-2.04%
18.28
+37.25%
13.32
+17.75%
11.31
Current Provisions
5.58
-3.57%
5.79
-5.69%
6.14
+8.33%
5.66
Other Equity Interest
-7.10
-2.69%
-6.91
-0.10%
-6.91
-21.23%
-5.70
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1.51
-47.73%
2.90
-17.43%
3.51
+120.59%
-17.04
Cash Flow From Continuing Operating Activities
1.51
-47.73%
2.90
-17.43%
3.51
+120.59%
-17.04
Net Income From Continuing Operations
-2.51
-176.00%
3.31
+795.74%
-0.48
+91.34%
-5.48
Depreciation Amortization Depletion
1.95
-14.01%
2.26
+8.73%
2.08
-23.90%
2.74
Depreciation
—
1.39
+15.03%
1.21
+1.08%
1.20
Amortization Cash Flow
—
0.87
0.00%
0.87
-43.32%
1.54
Depreciation And Amortization
1.95
-14.01%
2.26
+8.73%
2.08
-23.90%
2.74
Amortization Of Intangibles
—
0.87
0.00%
0.87
-43.32%
1.54
Other Non Cash Items
-0.11
-58.92%
-0.07
+42.87%
-0.12
—
Stock Based Compensation
1.74
-16.70%
2.09
-4.43%
2.19
+5.71%
2.07
Provisionand Write Offof Assets
0.08
+1502.64%
0.01
—
—
Asset Impairment Charge
—
—
—
0.00
Deferred Tax
0.05
+101.76%
-3.08
0.00
0.00
Deferred Income Tax
0.05
+101.76%
-3.08
0.00
0.00
Operating Gains Losses
—
0.02
—
0.02
Gain Loss On Investment Securities
—
—
—
0.02
Gain Loss On Sale Of PPE
0.00
-100.00%
0.02
0.00
—
Change In Working Capital
0.31
+119.11%
-1.64
-892.03%
-0.17
+98.99%
-16.38
Change In Receivables
1.19
+220.67%
-0.99
+17.06%
-1.19
-296.18%
0.61
Changes In Account Receivables
1.19
+220.67%
-0.99
+17.06%
-1.19
-296.18%
0.61
Change In Inventory
-0.06
-404.43%
0.02
-77.51%
0.08
+216.10%
-0.07
Change In Prepaid Assets
-0.77
-447.19%
-0.14
-2338.51%
0.01
+126.97%
-0.02
Change In Payable
-0.30
-120.53%
-0.14
-154.65%
0.25
-70.41%
0.85
Change In Account Payable
-0.30
-120.53%
-0.14
-154.65%
0.25
-70.41%
0.85
Change In Other Working Capital
0.27
+173.00%
-0.37
-151.52%
0.71
+154.81%
-1.30
Change In Other Current Assets
0.61
+198.38%
-0.62
-265.38%
0.37
+11218.72%
-0.00
Change In Other Current Liabilities
-0.62
-204.54%
0.59
+247.19%
-0.40
+97.55%
-16.44
Investing Cash Flow
-1.54
-62.79%
-0.94
-13.10%
-0.83
-2.80%
-0.81
Cash Flow From Continuing Investing Activities
-1.54
-62.79%
-0.94
-13.10%
-0.83
-2.80%
-0.81
Net PPE Purchase And Sale
-0.44
-193.18%
-0.15
+82.23%
-0.83
-2.80%
-0.81
Purchase Of PPE
-0.44
-122.09%
-0.20
+76.54%
-0.83
-2.80%
-0.81
Sale Of PPE
0.00
-100.00%
0.05
0.00
—
Capital Expenditure
-1.54
-55.00%
-0.99
-18.79%
-0.83
-2.80%
-0.81
Capital Expenditure Reported
-1.10
-38.49%
-0.80
—
—
Net Business Purchase And Sale
—
—
—
—
Purchase Of Business
—
—
—
—
Financing Cash Flow
28.72
+658.38%
-5.14
-184.92%
6.06
+532.83%
-1.40
Cash Flow From Continuing Financing Activities
28.72
+658.38%
-5.14
-184.92%
6.06
+532.83%
-1.40
Net Issuance Payments Of Debt
0.64
+703.50%
-0.11
-87.41%
-0.06
-4.06%
-0.05
Issuance Of Debt
0.79
0.00
—
0.00
Repayment Of Debt
-0.15
-37.78%
-0.11
-87.41%
-0.06
-4.06%
-0.05
Long Term Debt Issuance
0.79
0.00
—
0.00
Long Term Debt Payments
-0.15
-37.78%
-0.11
-87.41%
-0.06
-4.06%
-0.05
Net Long Term Debt Issuance
0.64
+703.50%
-0.11
-87.41%
-0.06
-4.06%
-0.05
Net Common Stock Issuance
-0.98
+25.54%
-1.31
-186.85%
-0.46
+66.01%
-1.34
Common Stock Payments
-1.07
+24.27%
-1.41
-208.22%
-0.46
+66.01%
-1.34
Repurchase Of Capital Stock
-1.07
+24.27%
-1.41
-208.22%
-0.46
+66.01%
-1.34
Net Other Financing Charges
29.05
+879.72%
-3.73
-156.70%
6.57
—
Changes In Cash
28.70
+999.13%
-3.19
-136.56%
8.73
+145.35%
-19.25
Beginning Cash Position
87.62
-3.51%
90.81
+10.64%
82.08
+59.10%
51.59
End Cash Position
—
—
90.81
—
Free Cash Flow
-0.02
-101.24%
1.90
-28.75%
2.67
+114.97%
-17.85
Interest Paid Supplemental Data
0.05
-3.20%
0.05
+934.26%
0.01
+28.41%
0.00
Income Tax Paid Supplemental Data
0.00
-100.00%
0.29
+149.69%
0.12
-56.88%
0.27
Common Stock Issuance
0.09
-7.19%
0.10
0.00
0.00
Issuance Of Capital Stock
0.09
-7.19%
0.10
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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