profit from every $100 of sales.
$0$100
Usio
$2.19-24.74% today
+49.0% in 1 year
1-year low $1.051-year high $3.25
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
It holds more cash than debt.
No debt5 years
Money in, money out
What Usio sold, what it kept, and what it did with the cash.
Sales went from $69.4 million in 2022 to $85.4 million in 2025, with -$2.51 million of profit last year.
SalesProfit
Usio vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Usio | No profit yet | ||
 IBM | 22.1× · Fair price | ||
 Accenture | 17.9× · Fair price | ||
 Tata Consultancy Services | 18.2× · Fair price | ||
 Infosys | 15.1× · Fair price |
AI analysis
An AI analyst reads Usio's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 69 | 84 | 83 | 85 | |
| 15 | 20 | 20 | 20 | |
| -5 | -0 | -1 | -2 | |
| -2 | 2 | 3 | -0 | |
| -5 | -0 | 3 | -3 | |
| -0.27 | -0.02 | 0.12 | -0.09 | |
| 21.0% | 23.9% | 23.7% | 23.1% | |
| -7.5% | -0.5% | -1.8% | -2.8% | |
| -7.9% | -0.6% | 4.0% | -2.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 98 | 107 | 107 | 135 |
| Cash | 6 | 7 | 8 | 7 |
| Total debt | 3 | 3 | 4 | 4 |
| Total liabilities | 84 | 92 | 88 | 117 |
| 14 | 15 | 19 | 18 | |
| 20 | 26 | 27 | 27 | |
| -24.2% | -0.8% | 2.5% | -7.1% | |
| -39.4% | -3.2% | 17.3% | -14.0% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -17 | 4 | 3 | 2 | |
| 1 | 1 | 1 | 2 | |
| -18 | 3 | 2 | -0 | |
| Dividends paid | – | – | – | – |
| 1 | 0 | 1 | 1 | |
| 2 | 2 | 2 | 2 |
Valuation
- –
- –
- –
- 1.9×
- 0.7×
- –
- –
- -0.0%
- -4.0%
- 0.0%
Profitability
- 23.1%
- -2.8%
- -2.9%
- -0.3%
- -10.8%
- -6.7%
- -13.5%
- -1.9%
- -11.3%
- –
Growth
- +7.1%
- –
- −43.4%
- –
- +7.7%
Financial health
- -2,902.7×
- 0.22
- 2.9%
- -45.3×
- 1.08
- -4,048.09
- 0.63
How it ranks in Technology
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 8%of 974
Bottom 17%of 975
Bottom 44%of 982
Bottom 31%of 985
What analysts expect
- Average price target
- $5.50
- Range
- $4.00 – $7.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 13, 2026 | 0.00 | -0.01 | +144.0% |
| Mar 18, 2026 | -0.05 | 0.01 | −600.0% |
| Nov 12, 2025 | -0.02 | 0.01 | −300.0% |
| Aug 6, 2025 | -0.01 | -0.01 | +0.0% |
| May 14, 2025 | -0.01 | 0.04 | −125.0% |
| Mar 26, 2025 | 0.02 | 0.01 | +100.0% |
| Nov 6, 2024 | -0.02 | -0.00 | −900.0% |
| Aug 14, 2024 | 0.00 | 0.00 | +100.7% |
News
Usio reiterates 14%-16% 2026 revenue growth as it targets “several hundred million dollars” of additional ION depositsSeeking Alpha · Nov 11, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
13No pass
Benjamin Graham
38No pass
Philip Fisher
15No pass
Peter Lynch
41No pass
Joel Greenblatt
0No pass
Charlie Munger
14No pass
Terry Smith
9No pass
Questions about Usio
Is Usio a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Usio AI analysis
What does Usio do?
Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. It is in Information Technology Services.
Does Usio pay a dividend?
No. Usio does not pay a dividend at the moment; in 2025 it returned $1.07 million to shareholders by buying back its own shares.
Is Usio stock halal?
Yes. Usio passes our halal screen: its business is permitted and its debt is 6% of its market value, under the 30% limit. How we check
How has Usio stock done over the past year?
Up 49.0% over the past twelve months, to $2.19. It traded between $1.05 and $3.25 and is 32.6% below its high.
Who are Usio's competitors?
The largest listed companies in the same industry are IBM, Accenture, Tata Consultancy Services and Infosys. The peers table on this page compares their profit, growth and price with Usio's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.