Usio, Inc. (USIO) Financial Statements
Industry: Functions Related To Depository Banking (Other)
In fiscal 2025, Usio reported revenue of $85.4M, up 3.0% from $82.9M the year before. Net income was -$2.5M (a -2.9% net margin), or -$0.09 per diluted share. Gross margin was 23.1% and operating margin was -2.8%. Operating activities generated $1.5M of cash, leaving $1.1M of free cash flow. At fiscal year end, Usio held $134.9M in total assets against $117.0M in total liabilities, including $7.4M of cash and equivalents.
Open the full interactive Usio financials → Quarterly statements, key ratios, valuation history and price charts.
Usio Key Stats
| Share Price | $2.67 |
|---|---|
| Market Cap | $74.3M |
| Revenue YoY Growth | +3.0% |
| 52-Week Range | $1.05 – $2.94 |
| Shares Outstanding | 27.8 million (basic, 2026 Q2) |
Usio Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $32.3M | $61.9M | $69.4M | $82.6M | $82.9M | $85.4M |
| Cost of Goods Sold | $24.9M | $46.3M | $54.8M | $64.0M | $63.3M | $65.7M |
| Gross Profit | $7.4M | $15.6M | $14.6M | $18.6M | $19.6M | $19.7M |
| Operating Income | -$3.8M | -$155,381 | -$5.2M | -$1.9M | -$1.5M | -$2.4M |
| Pre-Tax Income | -$2.9M | -$151,773 | -$5.2M | -$182,580 | $678,284 | -$2.0M |
| Income Tax | $118,057 | $169,861 | $280,000 | $292,524 | -$2.6M | $512,811 |
| Net Income | -$2.9M | -$321,634 | -$5.5M | -$475,104 | $3.3M | -$2.5M |
| Diluted EPS | -$0.19 | -$0.02 | -$0.27 | -$0.02 | $0.12 | -$0.09 |
Usio Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $21.2M | $22.2M | $25.5M | $23.7M |
| Net Income | -$415,086 | -$1.5M | $122,503 | $280,080 |
| Diluted EPS | -$0.02 | -$0.06 | — | $0.01 |
Usio Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $5.0M | $7.3M | $5.7M | $7.2M | $8.1M | $7.4M |
| Current Assets | $69.1M | $121.3M | $87.4M | $97.2M | $95.2M | $123.4M |
| Total Assets | $82.7M | $133.7M | $97.9M | $106.9M | $107.2M | $134.9M |
| Current Liabilities | $63.5M | $112.5M | $81.6M | $89.2M | $84.9M | $114.0M |
| Total Long-Term Debt | — | $126,194 | $71,423 | $826,250 | $719,443 | $1.4M |
| Total Liabilities | $66.0M | $115.0M | $84.0M | $91.9M | $88.1M | $117.0M |
| Shareholders' Equity | $16.7M | $18.7M | $13.9M | $15.1M | $19.2M | $17.9M |
Usio Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $6.3M | $29.8M | -$17.0M | $14.9M | $2.9M | $1.5M |
| Cash From Investing | -$6.8M | -$1.3M | -$812,242 | -$834,964 | -$944,381 | -$1.5M |
| Cash From Financing | $10.0M | $887,457 | -$1.4M | -$513,953 | -$5.1M | $28.7M |
| Free Cash Flow | $5.4M | $28.5M | -$17.8M | $14.1M | $1.9M | $1.1M |
Figures from Usio's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Usio financials page for every line item.
Usio Company Profile
| Ticker | USIO |
|---|---|
| Exchange | Nasdaq |
| Industry | Functions Related To Depository Banking (Other) |
| Headquarters | San Antonio, Texas |
| Incorporated in | Nevada |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001088034 |
Frequently Asked Questions
What was Usio's revenue in fiscal 2025?
Usio (USIO) reported revenue of $85.4M for fiscal 2025.
What is Usio's annual revenue history?
Usio's annual revenue by fiscal year: 2020: $32.3M; 2021: $61.9M; 2022: $69.4M; 2023: $82.6M; 2024: $82.9M; 2025: $85.4M.
What was Usio's net income in fiscal 2025?
Usio reported net income of -$2.5M for fiscal 2025.
What was Usio's earnings per share (EPS) in fiscal 2025?
Usio's diluted EPS was -$0.09 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Usio generate in fiscal 2025?
Usio generated $1.1M of free cash flow in fiscal 2025.
What was Usio's revenue last quarter?
In its most recent reported quarter (2026 Q2), Usio reported revenue of $23.7M.
How much debt does Usio have?
Usio reported $1.4M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Usio are outstanding?
Usio reported a weighted average of 27.8 million basic shares outstanding in 2026 Q2.
What is Usio's market cap?
Based on its latest closing price, Usio (USIO) has a market capitalization of about $74.3M.
When does Usio's fiscal year end?
Usio's fiscal year end, as registered with the SEC, is December 31.
Where is Usio headquartered?
Usio lists its business address in San Antonio, Texas in its SEC filings.
Usio Competitors & Similar Companies
See all 3 Functions Related To Depository Banking (Other) companies →