Zacks Investment Research·6 days ago
Are You Looking for a Top Momentum Pick? Why Usio Inc (USIO) is a Great ChoiceDoes Usio Inc (USIO) have what it takes to be a top stock pick for momentum investors? Let's find out.
Usio, Inc.(USIO)Earnings, Financials & Key Ratios
USIO•NASDAQ
$2.35
Price updated Jul 7, 2026
AboutUsio, Inc., together with its subsidiaries, 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; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check, a consumer non-sufficient funds check that is presented for payment electronically rather than through the paper check collection system; and Accounts Receivable Check Conversion, a consumer paper check payment that is converted into an e-check. The company also offers merchant account services for the processing of card-based transactions through the VISA, MasterCard, American Express, Discover, and JCB networks, including online terminal services accessed through a website or retail services accessed through a physical terminal. In addition, it provides a proprietary web-based customer service application that allows companies to process one-time and recurring payments through e-checks or credit cards; and an interactive voice response telephone system to companies, which accept payments directly from consumers over the telephone using e-checks or credit cards. Further, the company offers prepaid and incentive card issuance services; and operates a prepaid core processing platform, as well as provides additional services, such as electronic bill presentment, document composition, document decomposition, and printing and mailing services for various industry verticals, including utilities and financial institutions. It markets and sells ACH products and services primarily through resellers; and prepaid card program directly to government entities, corporations, and to consumers through the internet. The company was formerly known as Payment Data Systems, Inc. and changed its name to Usio, Inc. in June 2019. Usio, Inc. was incorporated in 1998 and is headquartered in San Antonio, Texas.Show more
- Revenue$85M+3.0%
- EBITDA-$413K-152.1%
- Net Income-$3M-176.0%
- EPS (Diluted)-0.09-177.8%
- Gross Margin23.06%-2.5%
- EBITDA Margin-0.48%-150.6%
- Operating Margin-2.76%-55.8%
- Net Margin-2.94%-173.8%
- ROE-13.55%-170.2%
USIO Price & Volume
Usio, Inc. (USIO) stock price & volume — 10-year historical chart
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Persistent Operating Deficits Challenge Scalable Growth Trajectory
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Persistent Operating Margin Deficit
Key Thesis Takeaways
- Usio faces a challenging path to profitability as its integrated payment and document services struggle to overcome structural margin constraints, evidenced by operating margins that remained negative in eight of the last ten quarters.
- While the company maintains a conservative debt-to-equity ratio of 0.20, the lack of consistent operating leverage and a $70.4 million accumulated deficit suggest significant long-term value creation remains unproven.
- Investors should monitor whether the recent 15.7% revenue growth in 2026Q1 can translate into sustainable cash generation, or if the firm will continue to rely on working capital fluctuations to mask core operational weaknesses.
Verdict Logic
the company's inability to achieve sustained GAAP profitability, highlighted by an accumulated deficit of $70.4 million, suggests that current operational risks outweigh the potential for near-term margin expansion.
USIO Growth Metrics
Usio, Inc. (USIO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years19.5%
5 Years21.5%
3 Years7.14%
TTM5.81%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-164.89%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-168.36%
Return on Capital
10 Years-20.95%
5 Years-11.64%
3 Years-9.87%
Last Year-10.94%
USIO Recent Earnings
Usio, Inc. (USIO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (27%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 13, 2026Metric
Actual
Est
EPS
$0.00+144.0%
$0.01
Rev
$25M+9.8%
$23M
Q2 2026
Mar 18, 2026Metric
Actual
Est
EPS
$0.05-600.0%
$0.01
Rev
$22M-3.7%
$23M
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$0.02-300.0%
$0.01
Rev
$21M-8.2%
$23M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$0.01+0.0%
$0.01
Rev
$20M-10.6%
$22M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 13, 2026 | $0.00vs $0.01+144.0% | $25Mvs $23M+9.8% |
| Q2 2026 | Mar 18, 2026 | $0.05vs $0.01-600.0% | $22Mvs $23M-3.7% |
| Q4 2025 | Nov 12, 2025 | $0.02vs $0.01-300.0% | $21Mvs $23M-8.2% |
| Q3 2025 | Aug 6, 2025 | $0.01vs $0.01+0.0% | $20Mvs $22M-10.6% |
Based on last 12 quarters of dataView full earnings history →
Latest USIO News
Recent stock market news and headlines for Usio, Inc. (USIO)
Zacks Investment Research·Jun 22, 2026
Why Fast-paced Mover Usio (USIO) Is a Great Choice for Value InvestorsIf you are looking for stocks that have gained strong momentum recently but are still trading at reasonable prices, Usio (USIO) could be a great choice. It is one of the several stocks that passed through our 'Fast-Paced Momentum at a Bargain' screen.
Zacks Investment Research·Jun 19, 2026
Is Usio (USIO) Stock Outpacing Its Business Services Peers This Year?Here is how Usio Inc (USIO) and Select Water Solutions, Inc. (WTTR) have performed compared to their sector so far this year.
Zacks Investment Research·Jun 15, 2026
Should You Buy Usio Inc (USIO) After Golden Cross?After reaching an important support level, Usio Inc (USIO) could be a good stock pick from a technical perspective. USIO recently experienced a "golden cross" event, which saw its 50-day simple moving average breaking out above its 200-day simple moving average.
Peers Comparison
Key metrics vs top competitors for Usio, Inc. (USIO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $2.35 | $64.85M | -25.19 | 2.97% | -2.94% | -13.55% | — | |
| $6.97 | $574.02M | 10.25 | 8.33% | 5.85% | — | — | |
| $4.04 | $355.87M | -1.35 | -1.21% | -82.73% | -46.64% | — | |
| $28.60 | $1.76B | 13.00 | 10.21% | 13.95% | 18.65% | — | |
| $18.55 | $2.21B | 168.64 | 26.59% | 6.65% | 5.87% | — | |
| $51.20 | $3.54B | 47.41 | 25.5% | 2.29% | 5.13% | — |
Compare USIO vs Peers
Usio, Inc. (USIO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
USIO SEC Filings & Documents
Usio, Inc. (USIO) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 13, 2026·SEC
Material company update
Mar 18, 2026·SEC
Material company update
Jan 27, 2026·SEC
10-K Annual Reports
410-Q Quarterly Reports
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USIO Frequently Asked Questions
Usio, Inc. (USIO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Usio, Inc.'s revenue?
Usio, Inc. (USIO) reported $88.9M in revenue for fiscal year 2025. This represents a 160170% increase from $0.1M in 1999.
How fast is Usio, Inc. growing?
Usio, Inc. (USIO) grew revenue by 3.0% over the past year. Growth has been modest.
Is USIO profitable?
Usio, Inc. (USIO) reported a net loss of $2.2M for fiscal year 2025.
Dividend & Returns
What is USIO's return on equity?
Usio, Inc. (USIO) has a return on equity (ROE) of -13.6%. Negative ROE indicates the company is unprofitable.
What is Usio, Inc.'s free cash flow?
Usio, Inc. (USIO) had negative free cash flow of $0.5M in fiscal year 2025, likely due to heavy capital investments.