📊 USIO Key Takeaways
Is Usio, Inc. (USIO) a Good Investment?
Usio is fundamentally unprofitable with negative operating margins (-2.8%) and net margins (-2.9%), generating ROE of -14.0% and destroying shareholder value. While revenue growth is positive at 3% YoY and the company maintains low leverage, modest FCF generation (1.3% margin) coupled with persistent losses indicates structural operational inefficiency that growth alone is not solving. The tight current ratio (1.08x) and inability to achieve profitability despite adequate scale present elevated financial risk.
Why Buy Usio, Inc. Stock? USIO Key Strengths
- Low debt-to-equity ratio (0.08x) with minimal financial leverage risk
- Positive free cash flow generation (1.1M) despite accounting losses, suggesting some operational viability
- Adequate gross margin (23.1%) indicates competitive pricing power in payment processing
USIO Stock Risks: Usio, Inc. Investment Risks
- Persistent unprofitability with negative operating income, net income, ROE, and ROA indicating structural business model challenges
- Minimal FCF margin (1.3%) leaves no cushion for adverse developments or investment needs
- Tight liquidity with current ratio of 1.08x and minimal cash reserves (7.4M) relative to negative earnings trajectory
- Revenue growth of only 3% YoY insufficient to achieve operating leverage and profitability
Key Metrics to Watch
- Operating margin trend - critical to confirm if company can achieve profitability at current scale
- Free cash flow sustainability - whether positive FCF persists if losses continue
- Revenue growth acceleration - whether company can reach critical mass for operating leverage
Usio, Inc. (USIO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 1.3% 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $16.2M | $14.8K | $0.01 |
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 rating of SELL with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are USIO's key strengths?
Claude: Low debt-to-equity ratio (0.08x) with minimal financial leverage risk. Positive free cash flow generation (1.1M) despite accounting losses, suggesting some operational viability.
What are the risks of investing in USIO?
Claude: Persistent unprofitability with negative operating income, net income, ROE, and ROA indicating structural business model challenges. Minimal FCF margin (1.3%) leaves no cushion for adverse developments or investment needs.
What is USIO's revenue and growth?
Usio, Inc. reported revenue of $85.4M.
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 $-0.09.
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 rating reflects both perspectives for balanced insights.
Is USIO a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Usio, Inc. has a SELL rating with 75% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is USIO stock overvalued or undervalued?
Valuation metrics for USIO: ROE of -14.0% (sector avg: 12%), net margin of -2.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy USIO stock in 2026?
Our dual AI analysis gives Usio, Inc. a combined SELL rating 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 $1.5M, with capital expenditures of $435.0K. FCF margin is 1.3%.
How does USIO compare to other Finance stocks?
Vs Finance sector averages: Net margin -2.9% (avg: 25%), ROE -14.0% (avg: 12%), current ratio 1.08 (avg: 1.2).