Latest revenue
$25.5M
as of 2026-03-31
Latest net income
$122.5K
as of 2026-03-31
Net margin
0.5%
as of 2026-03-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $42.2M
- Enterprise value
- $42.2M
- P/E (trailing)
- —
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $2.02
- 52-wk low
- $1.03
- Beta
- —
- Shares out
- 27.6M
5-year trend
What this company does
ITEM 1. BUSINESS. General As a cloud-based, Fintech payment processor, we serve multiple industry verticals with technology that facilitates payment acceptance and funds disbursement in a single, full-stack ecosystem. We provide payment acceptance through multiple payment methods including: payment facilitation, prepaid card and electronic billing products and services to businesses, merchants and consumers. We seek to grow our business both organically through the continued development and enhancement of our products and services and through acquisitions of new products and services. We will continue to look for opportunities (both internally and externally) to enhance our offerings to…
AI summary unavailable — showing raw filing excerpt
Generated from USIO's filing dated 2026-03-18
Key risks
ITEM 1A. RISK FACTORS An investment in our common stock involves a high degree of risk. You should carefully consider the following risk factors and other information included in this Annual Report on Form 10-K. If any of the following risks actually occur, our business, financial condition or results of operations could be materially and adversely affected, and you may lose some or all of your investment. RISKS RELATED TO OUR BUSINESS Loss of key resellers could reduce our revenue growth. We rely on our reseller sales channel, which purchases and resells our end-to-end services to its own portfolio of merchant customers. This channel is a strong contributor to our revenue growth. If a…
AI summary unavailable — showing raw filing excerpt
Generated from USIO's filing dated 2026-03-18
Profitability
Gross margin
23.1%
2.5%Operating margin
-2.8%
55.9%Net margin
-2.9%
173.8%Return on equity
-14.0%
181.3%Return on assets
-1.9%
160.4%Leverage
Debt / equity
6.53×
42.1%Long-term debt / equity
0.06×
101.0%Debt / assets
86.7%
5.6%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $25.5M | +15.7% | $122.5K | +152.1% | 0.5% |
Q4 2025 2025-12-31 | $22.2M | +4.9% | $-1.5M | -286.1% | -6.7% |
Q3 2025 2025-09-30 | $21.2M | -0.7% | $-415.1K | -115.5% | -2.0% |
Q2 2025 2025-06-30 | $20.0M | -0.6% | $-366.7K | -585.7% | -1.8% |
Q1 2025 2025-03-31 | $22.0M | +8.3% | $-235.0K | +6.1% | -1.1% |
Q4 2024 2024-12-31 | $21.2M | — | $803.6K | — | 3.8% |
Q3 2024 2024-09-30 | $21.3M | +3.9% | $2.7M | +634.2% | 12.6% |
Q2 2024 2024-06-30 | $20.1M | -5.6% | $75.5K | -63.2% | 0.4% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Functions Related To Depository Banking, NEC · SIC 6099
Your notes
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Insider activity
Insider buying
$0
Insider selling
$147.9K
Net activity
−$147.9K
Distinct insiders
1
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns USIO
Institutional value
$5.6M
Total shares held
4.9M
Distinct holders
14
-17 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | WHITTIER TRUST CO | 2.7M | $3.2M | — | New |
| 2 | VANGUARD CAPITAL MANAGEMENT LLC | 902.2K | $1.0M | — | New |
| 3 | PERKINS CAPITAL MANAGEMENT INC | 701.9K | $800.2K | -4.0K (-0.6%) | Trimmed |
| 4 | North Star Investment Management Corp. | 180.0K | $205.2K | — | New |
| 5 | VANGUARD FIDUCIARY TRUST CO | 104.4K | $119.0K | — | New |
| 6 | BlackRock, Inc. | 92.0K | $104.9K | -5.0K (-5.2%) | Trimmed |
| 7 | Sentinus, LLC | 85.7K | $97.7K | -328.0K (-79.3%) | Trimmed |
| 8 | DIMENSIONAL FUND ADVISORS LP | 46.4K | $52.9K | +0 (+0.0%) | No change |
| 9 | INVESTORS ASSET MANAGEMENT OF GEORGIA INC /GA/ /ADV | 20.0K | $22.8K | +0 (+0.0%) | No change |
| 10 | Vanguard Global Advisers, LLC | 3.9K | $4.4K | — | New |
| 11 | UBS Group AG | 549 | $626 | +519 (+1730.0%) | Added |
| 12 | SBI Securities Co., Ltd. | 175 | $200 | +0 (+0.0%) | No change |
| 13 | GSA CAPITAL PARTNERS LLP | 45.3K | $52 | -12.6K (-21.8%) | Trimmed |
| 14 | Caitong International Asset Management Co., Ltd | 2 | $2 | — | New |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once USIO's latest filing finishes processing.