USIO Financials: Revenue & Earnings
USIO$3.19-0.01 -0.16%
$91.04M
Market Cap
-57.76
P/E
95.85
Forward P/E
—
Score
USIO Financials: Revenue & Earnings
USIO price $3.19 -0.01 -0.16%
- Ticker
- USIO
- Price
- $3.19
- Change
- -0.01 -0.16%
- Market cap ?
- $91.04M
- P/E ?
- -57.76
- Forward P/E ?
- 95.85
- Dividend yield ?
- 0.00%
- Beta ?
- 1.36
- Sector
- Technology
- Industry
- Software - Infrastructure
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 12076358 | 14571158 | 25024124 | 28200535 | 32251823 | 61942316 | 69428285 | 82591109 | 82931840 | 85393626 |
Usio, Inc. 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, credit, prepaid card, and debit card-based processing services. It also provides a proprietary platform for businesses to handle e-checks and card payments, and an interactive voice response telephone system for…
Fair value
USIO fair value $1.17. Price $3.19. Price is 174% above fair value.
Above fair value, and more expensive than usual. A larger premium than on more than 99% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Average free cash flow, last three years 1.89M. Growth 14.58%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 11.78% (beta 1.4). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 28.50M. Net debt -3.54M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Model uncertainty high for this stock
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-11-11 | — | 0.01 | — | 23.98M |
| 2026-08-12 | 0.01 | -0.00 | 23.68M | 23.67M |
| 2026-05-13 | 0.00 | -0.01 | 25.47M | 23.20M |
| 2026-03-18 | -0.05 | 0.01 | 22.20M | 23.06M |
| 2025-11-12 | -0.02 | 0.01 | 21.18M | 22.19M |
| 2025-08-06 | -0.01 | -0.01 | 19.96M | 22.41M |
| 2025-05-14 | -0.01 | 0.04 | 22.01M | 21.95M |
| 2025-03-26 | 0.02 | 0.01 | 20.56M | 21.10M |
| 2024-11-06 | 0.10 | 0.03 | 21.32M | 21.51M |
| 2024-08-14 | 0.00 | -0.01 | 20.08M | 20.18M |
| 2024-05-15 | -0.01 | 0.01 | 20.32M | 21.86M |
| 2024-03-27 | 0.00 | 0.01 | 19.36M | 20.47M |
| 2023-11-08 | -0.04 | -0.01 | 20.52M | 19.43M |
| 2023-08-14 | 0.01 | 0.01 | 21.26M | 19.20M |
| 2023-05-03 | 0.00 | -0.02 | 21.45M | 19.50M |
| 2023-03-08 | -0.01 | -0.01 | 18.71M | 18.77M |
| 2022-11-09 | -0.09 | -0.08 | 16.40M | 16.26M |
| 2022-08-11 | -0.10 | -0.03 | 16.22M | 17.38M |
| 2022-05-11 | -0.08 | -0.01 | 18.11M | 16.55M |
| 2022-03-17 | 0.00 | -0.01 | 17.43M | 15.80M |
| 2021-11-10 | 0.01 | -0.01 | 15.82M | 35.60M |
| 2021-08-12 | 0.01 | -0.03 | 15.23M | 15.23M |
| 2021-05-13 | -0.04 | -0.03 | 13.46M | 13.46M |
| 2021-03-29 | -0.03 | -0.05 | 9.38M | 8.59M |
| 2020-11-12 | -0.06 | -0.08 | 8.14M | 10.17M |
| 2020-08-13 | -0.10 | -0.09 | 6.96M | 6.26M |
| 2020-05-14 | -0.06 | -0.09 | 7.77M | 11.66M |
| 2020-03-30 | -0.12 | -0.09 | 7.37M | 5.53M |
| 2019-11-14 | -0.09 | -0.09 | 7.09M | 7.09M |
| 2019-08-14 | -0.10 | -0.08 | 7.16M | 5.73M |
| 2019-05-15 | -0.09 | -0.07 | 6.59M | 5.12M |
| 2019-03-27 | -0.07 | -0.07 | 6.42M | 6.42M |
| 2018-11-14 | -0.07 | -0.08 | 6.47M | 7.40M |
| 2018-08-14 | -0.06 | -0.08 | 6.28M | 5.58M |
| 2018-05-15 | -0.06 | -0.12 | 5.84M | 7.79M |
| 2018-03-29 | -0.10 | -0.13 | 5.62M | 7.31M |
| 2017-11-14 | -0.10 | — | 3.59M | — |
| 2017-08-14 | -0.04 | -0.04 | 2.55M | 2.55M |
| 2017-05-15 | -0.03 | — | 2.81M | — |
| 2017-04-06 | -0.03 | — | 2.89M | — |
Dividends
Yield 0.00%. Payout ratio 0.00%. Frequency —.
Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| No data yet. | ||||
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-11-20 | Uffner Jerry | Sell | 10.00K | — | — |
| 2026-08-21 | Miller Elizabeth Michelle | Buy | 7.00K | $2.81 | 19.67K |
| 2026-08-21 | Miller Elizabeth Michelle | Sell | 7.00K | $2.81 | 19.67K |
| 2026-08-21 | Rollins Brad | Buy | 7.00K | $2.81 | 19.67K |
| 2026-08-21 | Rollins Brad | Sell | 7.00K | $2.81 | 19.67K |
| 2026-08-21 | Beyer del la Garza Ernesto R | Buy | 7.00K | $2.81 | 19.67K |
| 2026-08-21 | Beyer del la Garza Ernesto R | Sell | 2.00K | $2.81 | 5.62K |
| 2026-08-21 | Beyer del la Garza Ernesto R | Sell | 7.00K | $2.81 | 19.67K |
| 2026-08-21 | HOCH LOUIS A | Buy | 7.00K | $2.81 | 19.67K |
| 2026-08-21 | HOCH LOUIS A | Sell | 2.75K | $2.81 | 7.74K |
| 2026-08-21 | HOCH LOUIS A | Sell | 7.00K | $2.81 | 19.67K |
| 2026-08-21 | Uffner Jerry | Buy | 6.00K | $2.81 | 16.86K |
| 2026-08-21 | Uffner Jerry | Sell | 2.06K | $2.81 | 5.78K |
| 2026-08-21 | Uffner Jerry | Sell | 6.00K | $2.81 | 16.86K |
| 2026-08-21 | Frost Houston Korth | Buy | 6.00K | $2.81 | 16.86K |
| 2026-08-21 | Frost Houston Korth | Sell | 1.63K | $2.81 | 4.58K |
| 2026-08-21 | Frost Houston Korth | Sell | 6.00K | $2.81 | 16.86K |
| 2026-08-21 | White Michael Joseph | Buy | 6.00K | $2.81 | 16.86K |
| 2026-08-21 | White Michael Joseph | Sell | 1.78K | $2.81 | 5.00K |
| 2026-08-21 | White Michael Joseph | Sell | 6.00K | $2.81 | 16.86K |
| 2026-07-01 | Frost Houston Korth | Buy | 5.64K | $0.99 | 5.56K |
| 2026-06-21 | Beyer del la Garza Ernesto R | Buy | 7.00K | $1.82 | 12.74K |
| 2026-06-21 | Beyer del la Garza Ernesto R | Sell | 7.00K | — | — |
| 2026-06-21 | Miller Elizabeth Michelle | Buy | 7.00K | $1.82 | 12.74K |
| 2026-06-21 | Miller Elizabeth Michelle | Sell | 7.00K | — | — |
| 2026-06-21 | Rollins Brad | Buy | 7.00K | $1.82 | 12.74K |
| 2026-06-21 | Rollins Brad | Sell | 7.00K | — | — |
| 2026-06-21 | White Michael Joseph | Sell | 1.78K | $1.82 | 3.24K |
| 2026-06-21 | Frost Houston Korth | Buy | 4.00K | $1.82 | 7.28K |
| 2026-06-21 | Frost Houston Korth | Sell | 4.00K | — | — |
| 2026-06-21 | Uffner Jerry | Buy | 4.00K | $1.82 | 7.28K |
| 2026-06-21 | Uffner Jerry | Sell | 1.37K | $1.82 | 2.49K |
| 2026-06-21 | Uffner Jerry | Sell | 4.00K | — | — |
| 2026-06-21 | HOCH LOUIS A | Buy | 7.00K | $1.82 | 12.74K |
| 2026-06-21 | HOCH LOUIS A | Sell | 2.75K | $1.82 | 5.01K |
| 2026-06-21 | HOCH LOUIS A | Sell | 7.00K | — | — |
| 2026-06-21 | White Michael Joseph | Buy | 6.00K | $1.82 | 10.92K |
| 2026-06-21 | White Michael Joseph | Sell | 1.78K | $1.82 | 3.24K |
| 2026-06-21 | White Michael Joseph | Sell | 6.00K | — | — |
| 2026-06-11 | Uffner Jerry | Buy | 40.00K | $1.71 | 68.40K |
| 2026-06-11 | Uffner Jerry | Buy | 5.00K | — | — |
| 2026-06-11 | Uffner Jerry | Buy | 5.00K | — | — |
| 2026-06-11 | Uffner Jerry | Buy | 5.00K | — | — |
| 2026-06-11 | Frost Houston Korth | Buy | 50.00K | $1.71 | 85.50K |
| 2026-06-11 | Frost Houston Korth | Buy | 5.00K | — | — |
| 2026-06-11 | Frost Houston Korth | Buy | 5.00K | — | — |
| 2026-06-11 | Frost Houston Korth | Buy | 5.00K | — | — |
| 2026-06-11 | HOCH LOUIS A | Buy | 300.00K | $1.71 | 513.00K |
| 2026-06-11 | HOCH LOUIS A | Buy | 7.00K | — | — |
| 2026-06-11 | HOCH LOUIS A | Buy | 7.00K | — | — |
| 2026-06-11 | HOCH LOUIS A | Buy | 7.00K | — | — |
| 2026-06-11 | White Michael Joseph | Buy | 50.00K | $1.71 | 85.50K |
| 2026-06-11 | White Michael Joseph | Buy | 5.00K | — | — |
| 2026-06-11 | White Michael Joseph | Buy | 5.00K | — | — |
| 2026-06-11 | White Michael Joseph | Buy | 5.00K | — | — |
| 2026-06-11 | Rollins Brad | Buy | 8.00K | — | — |
| 2026-06-11 | Rollins Brad | Buy | 8.00K | — | — |
| 2026-06-11 | Rollins Brad | Buy | 8.00K | — | — |
| 2026-06-11 | Miller Elizabeth Michelle | Buy | 8.00K | — | — |
| 2026-06-11 | Miller Elizabeth Michelle | Buy | 8.00K | — | — |
| 2026-06-11 | Miller Elizabeth Michelle | Buy | 8.00K | — | — |
| 2026-06-11 | Beyer del la Garza Ernesto R | Buy | 8.00K | — | — |
| 2026-06-11 | Beyer del la Garza Ernesto R | Buy | 8.00K | — | — |
| 2026-06-11 | Beyer del la Garza Ernesto R | Buy | 8.00K | — | — |
| 2026-03-16 | Miller Elizabeth Michelle | Buy | 2.00K | $1.21 | 2.42K |
| 2026-03-16 | Miller Elizabeth Michelle | Sell | 500 | $1.21 | 605 |
| 2026-03-16 | Miller Elizabeth Michelle | Sell | 2.00K | — | — |
| 2026-03-16 | Rollins Brad | Buy | 7.00K | $1.21 | 8.47K |
| 2026-03-16 | Rollins Brad | Sell | 7.00K | — | — |
| 2026-03-16 | Beyer del la Garza Ernesto R | Buy | 7.00K | $1.21 | 8.47K |
| 2026-03-16 | Beyer del la Garza Ernesto R | Sell | 7.00K | — | — |
| 2026-03-10 | National Services, Inc | Sell | 10.00K | $1.27 | 12.74K |
| 2026-03-09 | National Services, Inc | Sell | 8.86K | $1.31 | 11.60K |
| 2026-03-06 | National Services, Inc | Sell | 6.70K | $1.35 | 9.02K |
| 2026-03-05 | National Services, Inc | Sell | 2.79K | $1.38 | 3.83K |
| 2026-02-21 | Frost Houston Korth | Buy | 4.00K | $1.34 | 5.36K |
| 2026-02-21 | Frost Houston Korth | Sell | 4.00K | — | — |
| 2026-02-21 | Carter Greg M | Buy | 4.00K | $1.34 | 5.36K |
| 2026-02-21 | Carter Greg M | Sell | 1.19K | $1.34 | 1.59K |
| 2026-02-21 | Carter Greg M | Sell | 4.00K | — | — |
| 2026-02-21 | HOCH LOUIS A | Buy | 11.00K | $1.34 | 14.74K |
| 2026-02-21 | HOCH LOUIS A | Sell | 4.91K | $1.34 | 6.58K |
| 2026-02-21 | HOCH LOUIS A | Sell | 11.00K | — | — |
| 2026-01-27 | National Services, Inc | Sell | 5.92K | $1.36 | 8.04K |
| 2026-01-26 | National Services, Inc | Sell | 4.50K | $1.35 | 6.07K |
| 2026-01-23 | National Services, Inc | Sell | 8.96K | $1.34 | 12.03K |
| 2026-01-22 | National Services, Inc | Sell | 7.48K | $1.37 | 10.24K |
| 2026-01-21 | National Services, Inc | Sell | 7.51K | $1.36 | 10.24K |
| 2026-01-20 | National Services, Inc | Sell | 10.00K | $1.36 | 13.58K |
| 2026-01-16 | National Services, Inc | Sell | 6.04K | $1.36 | 8.23K |
| 2026-01-15 | National Services, Inc | Sell | 5.61K | $1.37 | 7.70K |
| 2026-01-14 | National Services, Inc | Sell | 2.11K | $1.37 | 2.90K |
| 2026-01-13 | National Services, Inc | Sell | 5.41K | $1.36 | 7.37K |
| 2026-01-09 | White Michael Joseph | Buy | 1.20K | $1.38 | 1.66K |
| 2026-01-09 | White Michael Joseph | Sell | 1.20K | — | — |
| 2026-01-09 | White Michael Joseph | Sell | 1.20K | — | — |
| 2025-12-08 | HOCH LOUIS A | Sell | 5.00K | $1.42 | 7.10K |
| 2025-12-08 | HOCH LOUIS A | Sell | 35.43K | $1.42 | 50.31K |
| 2025-08-22 | HOCH LOUIS A | Buy | 7.00K | — | — |
| 2025-08-21 | Frost Houston Korth | Buy | 50.00K | $1.44 | 72.00K |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 33, holders +5 vs prior quarter. Ownership 22.39%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| WHITTIER TRUST CO | 2.71M | 0 | 0.00% | 6.43M |
| VANGUARD CAPITAL MANAGEMENT LLC | 917.46K | 15.30K | +1.70% | 2.28M |
| PERKINS CAPITAL MANAGEMENT INC | 700.37K | -1.56K | -0.22% | 1.74M |
| RENAISSANCE TECHNOLOGIES LLC | 437.24K | 36.50K | +9.11% | 1.08M |
| GEODE CAPITAL MANAGEMENT, LLC | 184.50K | 65.39K | +54.89% | 457.70K |
| NORTH STAR INVESTMENT MANAGEMENT CORP. | 180.00K | 0 | 0.00% | 446.40K |
| STONEBRIDGE WEALTH MANAGEMENT, LLC | 177.08K | 177.08K | New | 439.17K |
| BLACKROCK, INC. | 111.77K | 19.78K | +21.50% | 277.18K |
| VANGUARD FIDUCIARY TRUST CO | 105.17K | 784 | +0.75% | 260.83K |
| ROTHSCHILD WEALTH LLC | 79.70K | -6.00K | -7.00% | 197.66K |
| STATE STREET CORP | 76.79K | 0 | 0.00% | 190.44K |
| CITADEL ADVISORS LLC | 71.03K | -109.05K | -60.56% | 176.15K |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 71.00K | -30.00K | -29.70% | 176.08K |
| MORGAN STANLEY | 50.29K | -4.75K | -8.62% | 124.72K |
| DIMENSIONAL FUND ADVISORS LP | 46.42K | 0 | 0.00% | 115.12K |
| OSAIC HOLDINGS, INC. | 46.35K | 0 | 0.00% | 114.95K |
| NORTHERN TRUST CORP | 45.04K | 11.64K | +34.87% | 111.70K |
| ALLWORTH FINANCIAL LP | 41.23K | 0 | 0.00% | 102.26K |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 28.03K | -39.18K | -58.30% | 69.51K |
| XTX TOPCO LTD | 25.37K | 9.86K | +63.58% | 62.91K |
| HRT FINANCIAL LP | 21.60K | 21.60K | New | 53.00K |
| GOLDMAN SACHS GROUP INC | 20.36K | -19.24K | -48.59% | 50.48K |
| INVESTORS ASSET MANAGEMENT OF GEORGIA INC /GA/ /ADV | 20.00K | 0 | 0.00% | 49.60K |
| FNY INVESTMENT ADVISERS, LLC | 20.00K | 20.00K | New | 49.00K |
| JONES FINANCIAL COMPANIES LLLP | 17.61K | 17.61K | New | 38.91K |
Earnings and financials
Usio, Inc. (USIO) trades at $3.19, with a market cap of $91.04M and a trailing P/E of -57.76. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 12076358 | 14571158 | 25024124 | 28200535 | 32251823 | 61942316 | 69428285 | 82591109 | 82931840 | 85393626 |
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