What is Usio, Inc.'s net debt?

Usio, Inc. (USIO) reported net debt of -$2.86M in Q1 2026.

How has Usio, Inc.'s net debt changed year-over-year?

Usio, Inc.'s net debt increased by 43.4% year-over-year, from -$5.05M to -$2.86M.

What is the long-term trend for Usio, Inc.'s net debt?

Over 5 years (2020 to 2025), Usio, Inc.'s net debt has grown at a -4.3% compound annual growth rate (CAGR), from -$4.41M to -$3.54M.

What does net debt mean?

Total debt minus cash and equivalents at the quarter end. The debt that would remain if the company used all its cash to pay down borrowings.

Usio, Inc. USIO Net debt

Discontinued — last reported Q1 '26

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Other financials

Income statement

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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

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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

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Operating cash flow$946.7K-31.1%

CapEx$398.1K+1,661%

Free cash flow$548.7K-59.4%

Valuation

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Market cap$68.44M+76.8%

Enterprise value$65.58M+92.1%

P/S0.8×+0.3×

Profitability

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Gross margin22.5%-0.8pp

Operating margin-2.1%+0.7pp

Net margin-2.4%-6.4pp

FCF margin4.9%—

Returns & leverage

See full

Return on equity-11.6%-31.0pp

Debt / equity0.3×+0.1×

Current ratio1.1×0.0×

Where this comes from

Calculated from Usio, Inc.’s reported figures.

$4.9Mtotal debt−$7.7Mcash and equivalents=-$2.86M

The official record: Usio, Inc.’s 10-Q, filed May 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Usio, Inc.'s net debt?: Usio, Inc. (USIO) reported net debt of -$2.86M in Q1 2026.
How has Usio, Inc.'s net debt changed year-over-year?: Usio, Inc.'s net debt increased by 43.4% year-over-year, from -$5.05M to -$2.86M.
What is the long-term trend for Usio, Inc.'s net debt?: Over 5 years (2020 to 2025), Usio, Inc.'s net debt has grown at a -4.3% compound annual growth rate (CAGR), from -$4.41M to -$3.54M.
What does net debt mean?: Total debt minus cash and equivalents at the quarter end. The debt that would remain if the company used all its cash to pay down borrowings.