What is Usio, Inc.'s market cap?

Usio, Inc. (USIO) has a market capitalization of $58.8M and trades on NASDAQ.

What is Usio, Inc.'s revenue and profitability?

Usio, Inc. generated $88.9M in trailing twelve-month revenue with a net loss of $2.2M, representing a net margin of -2.4%. Gross margin stands at 22.5%, with free cash flow of $2.9M. These figures are based on the Q1 2026 filing.

Who are Usio, Inc.'s competitors?

Usio, Inc.'s key competitors include Global Payments, Inc., Paymentus Holdings, Inc., Repay Holdings Corporation Class A Common Stock, and others. These companies compete in similar markets and product categories.

Who does Usio, Inc. partner with?

Usio, Inc.'s notable partners include Fifth Third Bank, Sunrise Banks, N.A., TransPecos Bank, and others.

What subsidiaries does Usio, Inc. have?

Usio, Inc.'s subsidiaries include FiCentive, Inc., Usio Output Solutions, Inc..

Where is Usio, Inc. headquartered?

Usio, Inc. is headquartered in United States of America and employs approximately 126 people. It has been publicly traded since 1998.

Usio, Inc.

USIO

Usio, Inc. is a cloud-based fintech company that provides a full-stack ecosystem for payment acceptance and funds disbursement.

Market cap

$58.78M+34.4%

Revenue$88.9M+5.8%

Net income-$2.2M-165%

Free cash flow$2.9M-80.9%

EPS (diluted)-$0.08-173%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q1 2026 report

May 13, 2026

Revenue$25.5MBeat by $2.3M EPS$0.00Beat by $0.01

Read the full report

Next report

Aug 5, 2026 (In 3 weeks)

Revenue estimate$23.7M

EPS estimate-$0.01

Financials

Q1 2026

Income statement

See full

Revenue$25.5M+15.7%

Gross profit$5.1M+6.8%

Operating income$225.7K+194%

Net income$122.5K+152%

EPS (diluted)$0.00+100%

Balance sheet

See full

Cash & equivalents$7.7M-11.3%

Total debt$4.9M+32.8%

Total equity$18.1M-4.5%

Total assets$120.2M+9.6%

Cash flow

See full

Operating cash flow$946.7K-31.1%

CapEx$398.1K+1,661%

Free cash flow$548.7K-59.4%

Valuation & ratios

Valuation

See full

Market cap$58.78M+34.4%

Enterprise value$55.92M+50.9%

P/S0.7×+0.2×

Profitability

See full

Gross margin22.5%-0.8pp

Operating margin-2.1%+0.7pp

Net margin-2.4%-6.4pp

Returns & leverage

See full

Return on equity-11.6%-31.0pp

Debt / equity0.3×+0.1×

Current ratio1.1×0.0×

Segments

By product

See full

Credit Card Revenue$9.7M+23.2%

Output Solutions$6.8M+18.7%

ACH And Complementary Service Revenue$6.3M+24.8%

Prepaid Card Services Revenue$2.4M-18.4%

Ach And Complementary Service Interest Revenue$122.2K-45.5%

By segment

See full

Merchant Services$18.6M+14.7%

Competitors

By market cap

Fidelity National Information Services$21.5B-49.4%

Global Payments$20.3B+4.2%

ACI Worldwide$5.7B+20.2%

Shift4 Payments$3.9B-45.0%

Paymentus Holdings$3.6B—

Priority Technology Holdings$583.1M-13.8%

Repay Holdings Corporation$336.2M-22.8%

Usio, Inc.$58.8M+41.2%

By revenue growth

Paymentus Holdings+33.0%

Shift4 Payments+28.3%

Global Payments+14.8%

Fidelity National Information Services+12.3%

Priority Technology Holdings+8.8%

ACI Worldwide+7.1%

Usio, Inc.+5.8%

By net margin

Fidelity National Information Services23.35%+15.3pp

ACI Worldwide11.51%-4.6pp

Priority Technology Holdings5.85%+2.8pp

Paymentus Holdings5.78%+0.5pp

Shift4 Payments2.63%-3.9pp

Usio, Inc.-2.43%-6.4pp

Global Payments-7.96%-28.2pp

Profile

Usio, Inc. is a cloud-based fintech company that provides a full-stack ecosystem for payment acceptance and funds disbursement. The company offers integrated solutions for credit and debit card processing, ACH transfers, and prepaid card issuance, alongside electronic bill presentment and document management services. Its core value proposition centers on a unified platform that simplifies complex payment workflows for businesses through a single API and a consolidated service model.

Competitive position

Usio positions itself as a niche, high-service alternative to mega-processors, leveraging a single integrated payment warehouse and specialized NACHA certification to serve complex bill-centric verticals.

GeographiesUnited States

Customer segmentsSmall and Medium Businesses, Enterprise, Government, Financial Institutions

Business modelSaaS, Transaction-based, B2B, B2B2C

SuppliersOriginating Depository Financial Institutions (ODFIs), Sponsor Banks, Card Networks (Visa, Mastercard), Cloud Infrastructure Providers (Microsoft Azure)

CustomersIndependent Software Vendors (ISVs), Direct Merchants, Corporate Disbursement Clients, Utility Billing Departments

CountryUnited States of America

Listed1998

Employees126.0

CEOLouis A. Hoch

SectorTechnology

IndustryInformation Technology Services

Websiteusio.com

FilingsSEC EDGAR

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Questions, answered.

What is Usio, Inc.'s market cap?: Usio, Inc. (USIO) has a market capitalization of $58.8M and trades on NASDAQ.
What is Usio, Inc.'s revenue and profitability?: Usio, Inc. generated $88.9M in trailing twelve-month revenue with a net loss of $2.2M, representing a net margin of -2.4%. Gross margin stands at 22.5%, with free cash flow of $2.9M. These figures are based on the Q1 2026 filing.
Who are Usio, Inc.'s competitors?: Usio, Inc.'s key competitors include Global Payments, Inc., Paymentus Holdings, Inc., Repay Holdings Corporation Class A Common Stock, and others. These companies compete in similar markets and product categories.
Who does Usio, Inc. partner with?: Usio, Inc.'s notable partners include Fifth Third Bank, Sunrise Banks, N.A., TransPecos Bank, and others.
What subsidiaries does Usio, Inc. have?: Usio, Inc.'s subsidiaries include FiCentive, Inc., Usio Output Solutions, Inc..
Where is Usio, Inc. headquartered?: Usio, Inc. is headquartered in United States of America and employs approximately 126 people. It has been publicly traded since 1998.