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Usio, Inc. USIO Net debt / EBITDA

Net debt / EBITDA at other companies

Global Payments logo
Global PaymentsGPN
5.2×+1.7×
Paymentus Holdings logo
Paymentus HoldingsPAY
-2.6×0.0×
Fidelity National Information Services logo
Fidelity National Information ServicesFIS
5.2×+2.6×
Priority Technology Holdings logo
Priority Technology HoldingsPRTH
-1.9×-3.7×
Shift4 Payments logo
Shift4 PaymentsFOUR
5.3×+0.3×
EVERTEC logo
EVERTECEVTC
2.7×+0.4×

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

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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.

Based on the most recent quarter.

The official record: Usio, Inc.’s 10-Q, filed November 12, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Usio, Inc.'s net debt / EBITDA?
Usio, Inc. (USIO) reported net debt / EBITDA of -17.2× in Q3 2025.
How has Usio, Inc.'s net debt / EBITDA changed year-over-year?
Usio, Inc.'s net debt / EBITDA decreased by 502.3% year-over-year, from -2.9× to -17.2×.
What is the long-term trend for Usio, Inc.'s net debt / EBITDA?
Over 2 years (2021 to 2024), Usio, Inc.'s net debt / EBITDA has grown at a 57.7% compound annual growth rate (CAGR), from -1.7× to -4.1×.
What does net debt / EBITDA mean?
Net debt (total debt minus cash) divided by trailing-twelve-month EBITDA. Expresses leverage in years — roughly how long it would take to repay net debt out of operating cash earnings.