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    Usio Inc (USIO)

    Official site

    TECHNOLOGY • SOFTWARE - INFRASTRUCTURE • NASDAQ

    $2.76
    +0.09 (+3.37%)

    Market Cap: $78.65M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    49%(18/37)
    Avg Surprise
    -36.03%
    Streak
    2 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.02
    Range$0.00 - $0.04
    2 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$-0.01+398.5%
    60d ago$-0.01+398.5%
    30d ago$0.01+198.5%
    7d ago$0.01+198.5%
    Current$0.02
    Revenue Consensus
    $24M
    Range$24M - $24M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.09
    Range$0.01 - $0.16
    2 analysts
    Revenue Consensus
    $27M
    Range$27M - $28M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.09---
    Sep 26EST
    		-$0.02---
    Jun 26
    Reported Aug 12
    		$0.01$-0.01+200.00%Beat+200.0%
    Mar 26
    Reported May 13
    		$0.00N/A+122.00%Beat+144.0%
    Dec 25
    Reported Mar 18
    		$-0.05$0.01-1100.00%Miss-350.0%
    Sep 25
    Reported Nov 12
    		$-0.02$0.01-300.00%Miss-120.0%
    Jun 25
    Reported Aug 6
    		$-0.01$0.01-200.00%Miss-457.1%
    Mar 25
    Reported May 14
    		$-0.01$0.02-150.00%Miss+0.0%
    Dec 24
    Reported Mar 26
    		$0.02$-0.00+706.06%Beat+1900.0%
    Sep 24
    Reported Nov 6
    		$0.10$0.03+233.33%Beat+350.0%
    Jun 24
    Reported Aug 14
    		$0.00N/A+128.00%Beat-72.0%
    Mar 24
    Reported May 15
    		$-0.01$0.02-150.00%Miss-1766.7%
    Dec 23
    Reported Mar 27
    		$0.00N/A-95.00%Miss+110.0%
    Sep 23
    Reported Nov 8
    		$-0.04$-0.01-300.00%Miss+55.6%
    Jun 23
    Reported Aug 14
    		$0.01$0.01+0.00%Beat+110.0%
    Mar 23
    Reported May 3
    		$0.00N/A+103.00%Beat+100.8%
    Dec 22
    Reported Mar 8
    		$-0.01$-0.01+0.00%Beat-626.3%
    Sep 22
    Reported Nov 9
    		$-0.09$-0.08-12.50%Miss-1000.0%
    Jun 22
    Reported Aug 11
    		$-0.10$-0.06-66.67%Miss-1100.0%
    Mar 22
    Reported May 11
    		$-0.08$-0.01-700.00%Miss-100.0%
    Dec 21
    Reported Mar 17
    		$0.00N/A+119.00%Beat+106.3%
    Sep 21
    Reported Nov 10
    		$0.01$-0.01+200.00%Beat+116.7%
    Jun 21
    Reported Aug 12
    		$0.01N/A+125.00%Beat+110.0%
    Mar 21
    Reported May 13
    		$-0.04$-0.03-33.33%Miss+33.3%
    Dec 20
    Reported Mar 29
    		$-0.03$-0.05+40.00%Beat+75.0%
    Sep 20
    Reported Nov 12
    		$-0.06$-0.08+25.00%Beat+33.3%
    Jun 20
    Reported Aug 13
    		$-0.10$-0.09-11.11%Miss+0.0%
    Mar 20
    Reported May 14
    		$-0.06$-0.09+33.33%Beat+33.3%
    Dec 19
    Reported Mar 30
    		$-0.12$-0.09-33.33%Miss-71.4%
    Sep 19
    Reported Nov 14
    		$-0.09$-0.08-12.50%Miss-28.6%
    Jun 19
    Reported Aug 14
    		$-0.10$-0.08-25.00%Miss-11.1%
    Mar 19
    Reported May 15
    		$-0.09$-0.07-28.57%Miss-50.0%
    Dec 18
    Reported Mar 27
    		$-0.07$-0.07+0.00%Beat+46.2%
    Sep 18
    Reported Nov 14
    		$-0.07$-0.08+12.50%Beat+30.0%
    Jun 18
    Reported Aug 14
    		$-0.09$-0.08-12.50%Miss-50.0%
    Mar 18
    Reported May 15
    		$-0.06$-0.12+50.00%Beat-100.0%
    Dec 17
    Reported Mar 29
    		$-0.13$-0.13+0.00%Beat-
    Sep 17
    Reported Nov 14
    		$-0.10$-0.04-150.00%Miss-
    Jun 17
    Reported Aug 14
    		$-0.06$-0.04-50.00%Miss-
    Mar 17
    Reported Apr 6
    		$-0.03N/AN/ABeat-

    Key Metrics

    Valuation
    P/E Ratio-49.64EV/EBITDA136.71x
    Price/FCF-67.17xFCF Yield-1.49%
    Profitability
    Profit Margin-1.63%Operating Margin1.59%
    ROE-8.04%ROIC-4.86%
    Financial Health
    Debt/Equity0.07xInterest Coverage4.97x
    Current Ratio1.10xQuick Ratio1.09x
    Trading Statistics
    Beta1.36Avg Volume211.51K
    52-Week High$3.0652-Week Low$1.03

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$2.80
    SMA 20$2.59
    SMA 50$2.58
    SMA 200$1.78
    EMA 10$2.73
    EMA 20$2.67
    EMA 50$2.53
    EMA 200$1.99

    MACD

    Line: 0.08Signal: 0.07Hist: 0.01

    ADX

    ADX: 27.9+DI: 22.4-DI: 15.9

    Aroon & PSAR

    Aroon Up92.0
    Aroon Down44.0
    PSAR$2.98

    Bollinger Bands

    Upper Band$3.08
    Lower Band$2.10
    %B Position3792%(Upper)
    Band Width0.67

    RSI (14-Day)

    Neutral
    56.8

    Momentum Oscillators

    Stoch %K67.7
    Stoch %D72.3
    Williams %R-28.9
    ROC (10d)2.6%
    Momentum0.07
    CCI (20d)35.5
    MFI (14d)74.5

    Volatility Measures

    ATR (14d)$0.17(6.3%)
    StdDev (20d)0.25
    Hist Vol52.5%(High)

    Volume Flow

    VWAP$2.71
    OBV9.2M
    AD Line-1.4M
    CMF (20d)0.086

    Volume Metrics

    Avg Vol (20d)202.1K
    Vol Ratio0.9x
    VWMA (20d)$2.53

    Pivot Points

    R3$2.92
    R2$2.85
    R1$2.76
    Pivot Point$2.69
    S1$2.60
    S2$2.52
    S3$2.43

    Advanced Oscillators

    TSI15.16
    Ultimate Osc49.1
    KST87.92

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$23.68M$25.47M$22.24M$21.18M$19.96M$22.01M$20.56M$21.32M$20.08M$20.97M$20.20M$20.98M
    Cost of Revenue$17.95M$20.33M$17.37M$16.31M$14.82M$17.20M$15.50M$16.43M$15.28M$16.12M$14.87M$16.33M
    Gross Profit$5.73M$5.14M$4.87M$4.87M$5.14M$4.81M$5.06M$4.90M$4.80M$4.85M$5.33M$4.66M
    Operating Expenses$5.35M$4.91M$6.13M$5.33M$5.54M$5.05M$5.67M$5.27M$5.01M$5.14M$5.26M$5.41M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$4.58M$4.36M$5.08M$4.50M$4.64M$4.14M$4.55M$4.12M$4.00M$4.06M$4.20M$4.29M
    Operating Income$376,913$225,712$-1,258,880$-464,171$-396,970$-239,584$-602,797$-376,650$-208,941$-281,957$66,238$-750,289
    Interest Income$96,198$91,491$92,792$124,449$110,908$79,011$116,558$125,564$107,270$115,354$33,311$49,769
    Interest Expense$22,934$22,826$17,177$11,328$11,735$11,843$12,267$13,700$14,250$13,585$3,614$393
    Income Before Tax$450,177$294,377$-1,183,265$-346,050$-297,797$-172,416$977,766$-264,786$145,492$-180,188$95,935$-650,913
    Income Tax Expense$170,097$171,874$312,364$69,036$68,857$62,554$348,840$-3,116,053$70,000$70,000$70,000$70,000
    Net Income$280,080$122,503$-1,495,629$-415,086$-366,654$-234,970$628,926$2.85M$75,492$-250,188$25,935$-720,913
    EBITDA$736,195$520,122$-705,871$-26,325$166,802$323,354$-47,216$207,068$818,288$294,197$495,904$-181,716
    EBIT$450,177$294,377$-1,258,880$-459,171$-297,797$-172,416$-602,797$-376,650$52,472$-281,957$-26,028$-700,289
    * Some calculated fields are derived from available data when not provided by source

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    News

    Usio reports 39 percent ACH growth. Three analysts target Usio stock at USD 5.92

    Usio reported a 39% year-over-year increase in ACH transactions for the third quarter of 2026, with processed dollars up 26% and returned checks up 44%. The company, which considers ACH its highest-margin business...

    ad-hoc-news.de•10/14/26•Bullish

    Usio reports 39 percent ACH growth. Three analysts target Usio stock at USD 5.92

    Usio announced strong third-quarter ACH transaction growth, with a 39% year-over-year increase in transactions and a 26% rise in dollars processed. Three analysts have set an average 12-month price target of USD 5.92...

    ad-hoc-news.de•10/13/26•Bullish

    Usio Announces Participation in Upcoming Investor Conferences

    Usio, Inc. announced that Chairman and CEO Louis Hoch will participate in investor conferences in October, including the LD Micro Main Event XX and Planet MicroCap Toronto 2026. Hoch will highlight Usio's record...

    GlobeNewswire•10/13/26•Bullish

    Usio Announces Participation in Upcoming Investor Conferences

    Usio, Inc. (Nasdaq: USIO) announced that Chairman and CEO Louis Hoch will participate in two investor conferences in October...

    GlobeNewswire•10/13/26•Bullish

    Usio Leads The Pack Of 3 Promising Penny Stocks

    This article highlights three promising penny stocks: Usio (USIO), Realbotix (XBOT.F), and Zomedica (ZOMD.F), operating in the United States and Canada. Despite the inherent risks of penny stocks...

    Simply Wall Street•9/30/26•Bullish

    USIO Valuation and Fair Value

    P/E
    -49.6x
    Forward P/E
    151.5x
    EV/EBITDA
    136.7x
    P/FCF
    -67.2x
    PEG
    0.9x
    P/B
    4.1x
    See GNG's fair value

    USIO Profitability: Margins, ROIC and FCF

    Gross margin
    22.3%
    Operating margin
    1.6%
    Net margin
    -1.6%
    ROIC
    -4.9%
    ROE
    -8.0%
    FCF margin
    -1.2%
    FCF yield
    -1.5%

    USIO Competitors

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    Grab Holdings Limited WarrantGRABW
    Intchains Group Limited American Depositary SharesICG
    Inseego CorpINSG

    Sector: Technology

    USIO Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    1
    Buy
    2
    Hold
    0
    Sell
    0
    Strong Sell
    0

    USIO Bull Case vs Bear Case

    Bull case

    • USIO grew quarterly revenue 18.6% year over year.

    Bear case

    • USIO has a -1.6% net profit margin.

    USIO Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    -61.1%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.02
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    Frequently Asked Questions About USIO

    Does USIO pay dividends?

    Usio Inc (USIO) does not currently pay a regular dividend.

    What is USIO's market cap?

    Usio Inc (USIO) has a market capitalization of $78.65M with a current stock price of $2.76.

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