Usio, Inc. (USIO)

From the record

Usio, Inc.'s filings since 2017 show 4 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, the latest 2017-01-13); an auditor change (8-K item 4.01, 2 times, the latest 2025-06-05); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2017-03-31) (its current reports).

From the record

Usio, Inc.'s 7 filed years say what it did: revenue went from $28 million in fiscal 2019 to $85 million in fiscal 2025, up 20.3% a year; it rose in 5 of 6 years; the deepest fall was 1% from fiscal 2023 to fiscal 2024; net income was positive in 1 of 7 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Usio, Inc.'s diluted share count grew about 0.1% a year, and dividends and buybacks returned about 37% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Usio, Inc. lost about 14 cents for every dollar of shareholders' money, and gross profitability: its products earned about 15 cents per dollar of everything the company owns. Leverage: it owed about 87 cents per dollar of assets, and net share issuance: its share count grew 0.3% over the year (the filed statements).

From the record

Usio, Inc.'s standing among 3 graded names in its industry family: revenue of $85 million in fiscal 2025 ranks in the bottom 17% by size; a net margin of -2.9% ranks in the bottom 17%; revenue growth of 7.1% a year over the last 3 filed years ranks in the bottom 17% (its annual reports).

From the record

Usio, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Hoch, Louis A (Chairman, President and CEO, as filed), filing under that title since 2016-08-17, 10.2 years (top 50% of its family); the 9 officers and directors filing in the last fifteen months have been on the record a median of 6.2 years (top 50%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 9 people in charge now (top 50%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Usio, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $7 million against debt of $1 million leaves 4.7% of its assets as net cash, top 17% of its family; cash from operations less capital spending is 1.3% of revenue (bottom 17%); a gross margin of 23.1% (bottom 25%) (its annual report).

From the record

Usio, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 7.1% a year over the last three filed years against 20.3% over all 7, slowing (bottom 17% of its family); the newest year grew 3% (bottom 17%); capital spending grew -18.8% a year (bottom 17%) (its annual reports). Usio, Inc. reported 2 lines of business in fiscal 2025: Merchant Services at $65 million (76%), Output Solutions at $21 million (24%); 2 of 2 grew against the year before (its annual report).

From the record

Usio, Inc.'s newest year against its own record: revenue of $85 million in fiscal 2025 came in 5.8% below the $91 million its prior three years' pace pointed to (bottom 17% of its family); net income of $3 million against a prior three-year average of $884 thousand (bottom 17%); a net margin of -2.9% against -1.5% before (bottom 17%) (its annual reports).