Usio Inc
Usio Inc provides business support services, primarily generating revenue through its industrial and commercial service offerings.
Business. Usio Inc (USIO.O) is a business support services company operating within the Industrial & Commercial Services sector. The firm is headquartered in the United States and is primarily listed on the NASDAQ stock exchange. Specific details regarding its operating segments and geographic revenue mix are not provided in the available data.
Analyst recommendations
5 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Usio Inc (USIO.O) is a business support services company operating within the Industrial & Commercial Services sector. The firm is headquartered in the United States and is primarily listed on the NASDAQ stock exchange. Specific details regarding its operating segments and geographic revenue mix are not provided in the available data.
Usio Inc's capital structure shows a liquidity position with a current ratio of 1.08 and a debt-to-equity ratio of 0.08, indicating a relatively low leverage position. The company's liquidity is supported by $7.43 million in cash and equivalents, but its free cash flow is negative at -$2.10 million, suggesting operational cash generation is insufficient to cover capital expenditures.
Profitability metrics reveal a challenging financial position. The company reported a net loss of $2.51 million and an operating loss of $2.36 million, with a return on equity of -14.03% and a return on assets of -1.86%. These figures are below the industry median for profitability, indicating a need for operational improvements to align with industry standards.
Geographically and segment-wise, Usio Inc's revenue concentration is not disclosed in the provided data. However, the absence of detailed segment reporting suggests a potential lack of diversification, which could pose a risk if a single market or product line underperforms.
The company's growth trajectory is uncertain, with no specific revenue growth projections provided. Historical data shows a revenue of $85.39 million, but the absence of forward-looking guidance makes it difficult to assess future performance. Analysts have provided a mean price target of $5.06, indicating a potential upside from the current market price of $1.59.
Risk factors include a low liquidity score and a low dilution risk. The company has no immediate filing-based liquidity or dilution flags, and there are no indications of significant dilution potential in the near term. The absence of dilution risks is a positive factor, but the company's negative net income and operating income highlight the need for careful financial management.
Recent events and filings do not show any significant developments that would impact the company's financial position or strategic direction. The lack of recent events suggests a stable but stagnant operational environment.
- Usio Inc operates in the Business Support Services industry with a focus on industrial and commercial services.
- The company's financial position is characterized by a low debt-to-equity ratio and a current ratio of 1.08, indicating a relatively stable liquidity position.
- Profitability is a concern, with a net loss of $2.51 million and a return on equity of -14.03%, which is below industry norms.
- Analysts have provided a mean price target of $5.06, suggesting a potential upside from the current market price of $1.59.
- The company has no immediate liquidity or dilution risks, but its negative net income and operating income highlight the need for operational improvements.
- **margin_outlook_rationale**: The company's negative net income and operating income suggest a deteriorating margin outlook driven by operational inefficiencies.
- **rd_outlook_rationale**: No specific R&D outlook is provided, but the company's negative operating cash flow may limit investment in research and development.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | -0,04 |
| Revenue | —no estimate | —no estimate | 93,9M USD |
| Operating income | —no estimate | —no estimate | -618,400 USD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- No immediate filing-based liquidity or dilution flags were detected.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- SVP, Chief Product Officer · Restricted Stock Units → Common SharesDisposed 4 000exercise · 2026-06-21
- Director · Restricted Stock Units → Common SharesDisposed 7 000exercise · 2026-06-21
- Director · Restricted Stock Units → Common SharesDisposed 7 000exercise · 2026-06-21
- Director · Restricted Stock Units → Common SharesDisposed 7 000exercise · 2026-06-21
- SVP, Head of Card Issuing · Restricted Stock Units → Common SharesDisposed 4 000exercise · 2026-06-21
- Director, Chairman, President and CEO, 10% owner · Restricted Stock Units → Common SharesDisposed 7 000exercise · 2026-06-21
- SVP, Chief Accounting Officer · Restricted Stock Units → Common SharesDisposed 6 000exercise · 2026-06-21
- Director · Restricted Stock Units → Common SharesAcquired 8 000grant · 2026-06-11
- Director · Restricted Stock Units → Common SharesAcquired 8 000grant · 2026-06-11
- Director · Restricted Stock Units → Common SharesAcquired 8 000grant · 2026-06-11
- SVP, Chief Accounting Officer · Restricted Stock Units → Common SharesAcquired 5 000grant · 2026-06-11
- Director, Chairman, President and CEO, 10% owner · Restricted Stock Units → Common SharesAcquired 7 000grant · 2026-06-11
- SVP, Chief Product Officer · Restricted Stock Units → Common SharesAcquired 5 000grant · 2026-06-11
- SVP Card Issuing SLS & Bus Dev · Restricted Stock Units → Common SharesAcquired 5 000grant · 2026-06-11
- Director · Restricted Stock Units → Restricted Stock UnitsDisposed 7 000exercise · 2026-03-16
- Director · Restricted Stock Units → Restricted Common UnitsDisposed 7 000exercise · 2026-03-16
- Director · Restricted Stock Units → Restricted Stock UnitsDisposed 2 000exercise · 2026-03-16
- SVP, Chief Product Officer · Restricted Stock Units → Restricted Stock UnitsDisposed 4 000exercise · 2026-02-21
- EVP, Payment Acceptance · Restricted Stock Units → Restricted Stock UnitsDisposed 4 000exercise · 2026-02-21
- Director, Chairman, President and CEO, 10% owner · Restricted Stock Units → Common StockDisposed 11 000exercise · 2026-02-21
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Return On Equitynet_income / total_equity
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Market Capmarket_price * shares_outstanding_diluted
- Usio Inc Market data — financials · 2026-05-29
- Usio Inc Market data — analyst estimates · 2026-05-29
Ownership & reference
Top holders
- Investment Managers · as of 2025-12-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2024-06-300,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
- Director, Chairman, President and CEO, 10% owner · Common StockOther 7 000 @ $1,82$13K · 2026-06-21
- Director · Common StockOther 7 000 @ $1,82$13K · 2026-06-21
- Director · Common StockOther 7 000 @ $1,82$13K · 2026-06-21
- Director · Common StockOther 7 000 @ $1,82$13K · 2026-06-21
- SVP, Chief Product Officer · Common StockOther 4 000 @ $1,82$7K · 2026-06-21
- SVP, Head of Card Issuing · Common StockOther 4 000 @ $1,82$7K · 2026-06-21
- SVP, Head of Card Issuing · Common StockOther 1 368 @ $1,82$2K · 2026-06-21
- Director, Chairman, President and CEO, 10% owner · Common StockOther 2 755 @ $1,82$5K · 2026-06-21
- SVP, Chief Accounting Officer · Common StockOther 6 000 @ $1,82$11K · 2026-06-21
- SVP, Chief Accounting Officer · Common StockOther 1 779 @ $1,82$3K · 2026-06-21
- SVP, Chief Accounting Officer · Common StockOther 50 000 @ $1,71$86K · 2026-06-11
- SVP Card Issuing SLS & Bus Dev · Common StockOther 40 000 @ $1,71$68K · 2026-06-11
- SVP, Chief Product Officer · Common StockOther 50 000 @ $1,71$86K · 2026-06-11
- Director, Chairman, President and CEO, 10% owner · Common StockOther 300 000 @ $1,71$513K · 2026-06-11
- Director · Common StockOther 7 000 @ $1,21$8K · 2026-03-16
- Director · Common StockOther 2 000 @ $1,21$2K · 2026-03-16
- Director · Common StockOther 500 @ $1,21$605 · 2026-03-16
- Director · Common StockOther 7 000 @ $1,21$8K · 2026-03-16
- 10% owner · Common StockSold 10 000 @ $1,27$13K · 2026-03-10
- 10% owner · Common StockSold 8 860 @ $1,31$12K · 2026-03-09
- 10% owner · Common StockSold 6 697 @ $1,35$9K · 2026-03-06
- 10% owner · Common StockSold 2 787 @ $1,38$4K · 2026-03-05
- EVP, Payment Acceptance · Common StockOther 4 000 @ $1,34$5K · 2026-02-21
- SVP, Chief Product Officer · Common StockOther 4 000 @ $1,34$5K · 2026-02-21
- EVP, Payment Acceptance · Common StockOther 1 186 @ $1,34$2K · 2026-02-21
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): -175.0%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): -175.0%Derived (calculated)
- Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): 3.8%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): -7.7%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): 122.1%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 6.53xDerived (calculated)
- Gross margin (FY 2025-12-31): 23.1%Derived (calculated)
- Current ratio (FY 2025-12-31): 1.08xDerived (calculated)
- Return on assets (FY 2025-12-31): -1.9%Derived (calculated)
- Return on equity (FY 2025-12-31): -14.0%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 32.9%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 25.8%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): -6.5%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 3.0%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): -60.5%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -47.7%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): -176.0%Derived (calculated)
- Long-term debt (YoY) (2025-12-31 vs 2024-12-31): 89.6%Derived (calculated)
- Gross profit (YoY) (2025-12-31 vs 2024-12-31): 0.4%Derived (calculated)
- Net margin (FY 2025-12-31): -2.9%Derived (calculated)
- Operating income (annual): USD -2.36MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES -0SEC XBRL filing
- Gross profit (annual): USD 19.69MSEC XBRL filing
- Shareholders' equity (annual): USD 17.91MSEC XBRL filing