📊 USIO Key Takeaways
Is Usio, Inc. (USIO) a Good Investment?
Usio operates a structurally challenged business with razor-thin profitability (0.9% operating margin), stagnant revenue growth (3% YoY), and deteriorating earnings (flat net income, declining EPS). While positive free cash flow provides a modest cushion, the company's high leverage (5.6x liabilities-to-equity), minimal returns on capital (ROE 0.7%, ROA 0.1%), and tight liquidity (1.09x current ratio) indicate a mature, low-growth operation struggling against competitive banking sector dynamics.
Usio, Inc. Key Strengths (USIO)
- Positive operating cash flow generation ($946.7K) and modest free cash flow ($548.7K)
- Low long-term debt ($1.3M) with strong interest coverage (16.6x)
- Reasonable gross margin (20.2%) demonstrates some pricing power within the business model
USIO Stock Risks: Usio, Inc. Investment Risks
- Stagnant growth with only 3% YoY revenue increase and 0% net income growth signals market saturation or competitive erosion
- Extreme profitability compression with 0.9% operating margin and 0.5% net margin leaves minimal margin for error or reinvestment
- Elevated leverage with total liabilities at 5.6x stockholders' equity creates financial fragility despite low debt levels
- Abysmal returns on capital (ROE 0.7%, ROA 0.1%) indicate capital is not deployed productively
- Tight liquidity (1.09x current ratio) with only $7.7M cash relative to $102M total liabilities
Key Metrics to Watch
- Operating margin trend - any further compression signals accelerating business deterioration
- Revenue growth acceleration - must exceed 3% to demonstrate market relevance
- Free cash flow sustainability - monitor if FCF remains positive as profitability continues to erode
Usio, Inc. (USIO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 2.2% FCF margin may limit capital allocation flexibility.
USIO Profit Margin, ROE & Profitability Analysis
USIO vs Finance Sector: How Usio, Inc. Compares
How Usio, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Usio, Inc. Stock Overvalued? USIO Valuation Analysis 2026
Based on fundamental analysis, Usio, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Usio, Inc. Balance Sheet: USIO Debt, Cash & Liquidity
USIO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Usio, Inc.'s revenue has grown significantly by 38% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.12 reflects profitable operations.
USIO Revenue Growth, EPS Growth & YoY Performance
USIO Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $22.0M | $122.5K | $0.00 |
| Q3 2025 | $21.2M | $75.5K | $-0.02 |
| Q2 2025 | $20.0M | $75.5K | $0.00 |
| Q1 2025 | $21.0M | -$235.0K | $-0.01 |
| Q3 2024 | $21.0M | $14.8K | $-0.02 |
| Q2 2024 | $20.1M | $14.8K | $0.00 |
| Q1 2024 | $20.3M | $14.8K | $0.00 |
| Q3 2023 | $16.4M | $14.8K | $-0.02 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Usio, Inc. Dividends, Buybacks & Capital Allocation
USIO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Usio, Inc. (CIK: 0001088034)
📋 Recent SEC Filings
❓ Frequently Asked Questions about USIO
What is the AI rating for USIO?
Usio, Inc. (USIO) has an AI grade of C with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are USIO's key strengths?
Claude: Positive operating cash flow generation ($946.7K) and modest free cash flow ($548.7K). Low long-term debt ($1.3M) with strong interest coverage (16.6x).
What are the risks of investing in USIO?
Claude: Stagnant growth with only 3% YoY revenue increase and 0% net income growth signals market saturation or competitive erosion. Extreme profitability compression with 0.9% operating margin and 0.5% net margin leaves minimal margin for error or reinvestment.
What is USIO's revenue and growth?
Usio, Inc. reported revenue of $25.5M.
Does USIO pay dividends?
Usio, Inc. does not currently pay dividends.
Where can I find USIO SEC filings?
Official SEC filings for Usio, Inc. (CIK: 0001088034) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is USIO's EPS?
Usio, Inc. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is USIO's fundamental grade?
Based on our AI fundamental analysis in June 2026, Usio, Inc. has a C grade with 78% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is USIO stock overvalued or undervalued?
Valuation metrics for USIO: ROE of 0.7% (sector avg: 12%), net margin of 0.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is USIO's AI grade for 2026?
Our dual AI analysis gives Usio, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is USIO's free cash flow?
Usio, Inc.'s operating cash flow is $946.7K, with capital expenditures of $398.1K. FCF margin is 2.2%.
How does USIO compare to other Finance stocks?
Vs Finance sector averages: Net margin 0.5% (avg: 25%), ROE 0.7% (avg: 12%), current ratio 1.09 (avg: 1.2).