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Companies / Financials / Usio, Inc.
USIO

Usio, Inc.

FinancialsBanks & Brokers
Ticker USIOSAN ANTONIO, TXFiscal year ends DecemberBook value per share $0.68Diluted shares 27.8M

Usio, Inc. (Nasdaq: USIO) is a cloud-based payment processor serving businesses, merchants, government entities and consumers in the United States. Its platform supports payment acceptance and funds disbursement through ACH transfers, credit and debit card processing, payment facilitation, real-time payments and… From the company’s description.

Over the twelve months to Jun 30, 2026, Usio, Inc. reported revenue of $92.57M, up 10.4% from a year earlier, and a net loss of $1.51M. Its operating margin was −1.2%, and operations generated $0.66M in cash. In fiscal 2025, it reported revenue of $85.39M, up 3.0% from fiscal 2024, and a net loss of $2.51M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$85.39MFY2025
+3.0% year over year
Last 12 mo $92.57M
-2.76%FY2025
−1 percentage points
Last 12 mo -1.21%
$-2.51MFY2025
−176.0% year over year
Last 12 mo $-1.51M
-14.03%FY2025
−31.3 percentage points
Last 12 mo -8.02%
Cash & financing
$1.51MFY2025
−47.7% year over year
Last 12 mo $0.66M
$-0.02MFY2025
−101.2% year over year
Last 12 mo $-1.14M
0.08FY2025
Was 0.04× a year earlier
Last 12 mo 0.07
26.9MFY2025
+0.3% year over year
Last 12 mo 27.8M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Usio, Inc. does

In the company’s own words

Usio, Inc. (Nasdaq: USIO) is a cloud-based payment processor serving businesses, merchants, government entities and consumers in the United States. Its platform supports payment acceptance and funds disbursement through ACH transfers, credit and debit card processing, payment facilitation, real-time payments and prepaid card programs. Usio also provides electronic billing, document management, printing and mailing services, and expense-management technology. Its prepaid products include reloadable, incentive, promotional, corporate and government-disbursement cards, while its Consumer Choice service lets businesses distribute funds through cards, ACH, paper checks and other methods. The company organizes its operations around merchant services and Output Solutions, which provides billing and document services to utilities, healthcare providers, financial institutions, government agencies and other organizations. Usio’s business developed from electronic bill presentment and payment services, with acquisitions adding prepaid cards, payment facilitation and print-and-mail capabilities. For fiscal 2025, the company reported revenue of $85.4 million.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
SAN ANTONIO, TX
Fiscal year end
December
CIK
1088034
SIC
6099

Financial performance, year by year

Fiscal 2011–2025 · USD
$-15.29M$14.13M$43.54M$72.96M$102.37M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Usio, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

13
funds hold it
0 of 35
superinvestors hold it
$3.67M
held by funds, at market
6.0%
of shares held by funds

Largest fund holders · Usio, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
Jacob Discovery Fund
JMCGX · Jacob Funds Inc.
—of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
North Star Micro Cap Fund
NSMVX · NORTHERN LIGHTS FUND TRUST II
—of fund net assets
iShares Micro-Cap ETF
IWC · iShares Trust
0.01%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Usio, Inc. and its peers compare on margins and cash generation over ten years?”
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