Usio, Inc.
Usio, Inc. (NASDAQ: USIO) operates as a cloud-based fintech payment processor serving multiple industry verticals through a comprehensive, full-stack ecosystem for payment acceptance and funds disbursement. The company's website is located at usio.com. From the company’s description.
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) operates as a cloud-based fintech payment processor serving multiple industry verticals through a comprehensive, full-stack ecosystem for payment acceptance and funds disbursement. The company's website is located at usio.com.
Founded in 1998, Usio has evolved from an electronic bill presentment and payment provider into a diversified payments platform offering integrated solutions across several core business lines. The company provides payment acceptance services through automated clearing house processing, credit and debit card processing, and payment facilitation capabilities. Usio's ACH services enable merchants and businesses to both disburse and collect funds electronically using e-checks, and the company holds prestigious NACHA certification as a Third-Party Sender, representing one of only nine companies with this designation. The company's card-based services support traditional card-present transactions, card-not-present transactions, and tap-and-pay functionality across major networks including Visa, Mastercard, American Express, and Discover.
Through its prepaid and incentive card services division, Usio offers customizable Mastercard-branded prepaid cards for expense management, incentives, refunds, and disbursements. The company's Consumer Choice product provides flexible payment distribution methods including physical and virtual cards, ACH transfers, paper checks, and real-time PINless debit. Usio also operates Output Solutions, which provides electronic bill presentment, document composition and decomposition, printing, and mailing services to utilities, financial institutions, healthcare providers, and government agencies.
In 2025, Usio generated revenues of $85.4 million, with strong organic growth in ACH and complementary services offset by declines in prepaid card services and interest revenues. The company maintains relationships with premier banking institutions including Fifth Third Bank, Sunrise Bank, and TransPecos Bank as sponsors and processors. Recent strategic initiatives include the "Usio One" strategy, designed to unify brand, sales approach, and payment offerings through enhanced client onboarding and consolidated cross-selling efforts. In November 2025, Usio acquired substantially all assets of PostCredit, expanding into the expense management space with technology integrating enterprise resource planning systems.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- SAN ANTONIO, TX
- Fiscal year end
- December
- CIK
- 1088034
- SIC
- 6099
Financial performance, year by year
Fiscal 2013–2025 · USDThe 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.
Who owns Usio, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Usio, Inc.’s weight in each
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.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do Usio, Inc. and its peers compare on margins and cash generation over ten years?”
- “Where did five years of Usio, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in Usio, Inc.'s last four quarterly filings that the numbers alone won't show?”