Stocktoria

Usio, Inc. USIO

Nasdaq · stock · Functions Related To Depository Banking, NEC · website · IPO 1999-12-09

Usio, Inc. statistics & valuation

Market cap$48.0M
P / S0.6×
P / B2.7×
P / FCF44.5×
Net margin-2.9%
Return on equity-14.0%
FCF margin1.3%
Net cash$6.1M
Enterprise value USD$41.9M
Earnings yield EBIT/EV-5.6%
Return on capital-11.3%

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Net margin (%)
-9.90% -20.60% -15.10% -18.10% -9.00% -0.50% -7.90% -0.60% 4.00% -2.90% 2016201720182019202020212022202320242025
Gross margin (%)
25.90% 22.30% 21.10% 22.90% 25.20% 21.00% 23.90% 23.70% 23.10% 2016201720182019202020212022202320242025
Operating margin (%)
-11.30% -19.50% -15.10% -18.00% -11.60% -0.30% -7.50% -0.50% -1.80% -2.80% 2016201720182019202020212022202320242025
Return on equity (%)
-13.30% -22.90% -39.20% -67.60% -17.40% -1.70% -39.40% -3.20% 17.30% -14.00% 2016201720182019202020212022202320242025
Shares outstanding
11.8M 16.2M 16.0M 17.1M 25.0M 25.5M 25.1M 26.5M 26.9M 27.7M 2016201720182019202020212022202320242025
Net debt ($)
-$7.3M -$7.2M -$5.7M -$6.4M -$7.3M -$6.1M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
-1.70% -4.50% -5.50% -8.30% -3.50% -0.20% -5.60% -0.40% 3.10% -1.90% 2016201720182019202020212022202320242025
Free cash flow margin (%)
5.70% -9.00% -13.80% -15.50% 16.90% 46.00% -25.70% 3.20% 3.30% 1.30% 2016201720182019202020212022202320242025
Debt / equity (×)
0.00× 0.00× 0.00× 0.05× 0.04× 0.08× 2016201720182019202020212022202320242025
EPS ($)
-$0.15 -$0.33 -$0.31 -$0.39 -$0.19 -$0.02 -$0.27 -$0.02 $0.12 -$0.09 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Usio, Inc. trades at about 19.8× earnings — below its 10-year norm (10-year range 6.2×–270×, median 26.4×).

6.2× 270×

Shaded band = 10-year range (6.2×–270×); dot = today's 19.8×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Gross margin23.1%23.7%23.9%21.0%25.2%22.9%21.1%22.3%25.9%—
Operating margin-2.8%-1.8%-0.5%-7.5%-0.3%-11.6%-18.0%-15.1%-19.5%-11.3%
Net margin-2.9%4.0%-0.6%-7.9%-0.5%-9.0%-18.1%-15.1%-20.6%-9.9%
FCF margin1.3%3.3%3.2%-25.7%46.0%16.9%-15.5%-13.8%-9.0%5.7%
Return on assets-1.9%3.1%-0.4%-5.6%-0.2%-3.5%-8.3%-5.5%-4.5%-1.7%
Return on equity-14.0%17.3%-3.2%-39.4%-1.7%-17.4%-67.6%-39.2%-22.9%-13.3%
Debt / equity0.08×0.04×0.05×0.00×0.00×0.00×————
Current ratio1.081.121.091.071.081.091.031.041.091.07

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.