Return On Invested Capital
-4.3%
Trailing 12 months · Through 30 Jun 2026
Effective tax rate capped at 50%.
YoY relative change: -43%
Usio, Inc. financial metrics
Period Q2 2026 · Filed 12 Aug 2026
Key metrics snapshot
Return On Equity
-8%
Third-party reference; reporting period not verified
Return On Assets
-0.6%
Third-party reference; reporting period not verified
Operating Margin
1.6%
Third-party reference; reporting period not verified
Current Ratio
1.1x
Third-party reference; reporting period not verified
Quick Ratio
0.13x
Third-party reference; reporting period not verified
Debt-to-equity
0.25x
Third-party reference; reporting period not verified
Revenues YoY
10%
Trailing 12 months · Through 30 Jun 2026
NetIncomeLoss YoY
-152%
Trailing 12 months · Through 30 Jun 2026
Profitability
| Metric | Latest value | YoY relative change |
|---|---|---|
| Return On Invested Capital |
-4.3%
Trailing 12 months · 30 Jun 2026
Effective tax rate capped at 50%.
|
-43% |
| Return On Equity |
-8%
Third-party reference; reporting period not verified
|
|
| Return On Assets |
-0.6%
Third-party reference; reporting period not verified
|
|
| Operating Margin |
1.6%
Third-party reference; reporting period not verified
|
Financial Health
| Metric | Latest value | YoY relative change |
|---|---|---|
| Current Ratio |
1.1x
Third-party reference; reporting period not verified
|
|
| Quick Ratio |
0.13x
Third-party reference; reporting period not verified
|
|
| Debt-to-equity |
0.25x
Third-party reference; reporting period not verified
|
Growth
| Metric | Latest value | YoY relative change |
|---|---|---|
| Revenues YoY |
10%
Trailing 12 months · 30 Jun 2026
|
|
| NetIncomeLoss YoY |
-152%
Trailing 12 months · 30 Jun 2026
|
Share Metrics
| Metric | Latest value | YoY relative change |
|---|---|---|
| Entity Common Stock, Shares Outstanding |
28,495,414
Period-end balance · 10 Aug 2026
|
+7.5% |
| Common Stock, Shares, Outstanding |
28,513,915
Period-end balance · 30 Jun 2026
|
+7.7% |
| Common Stock, Value, Issued |
$32,607
Period-end balance · 30 Jun 2026
|
+7.8% |
| Weighted Average Number of Shares Outstanding, Basic |
27,819,834
Reported period · 30 Jun 2026
|
+5.2% |
| Weighted Average Number of Shares Outstanding, Diluted |
27,819,834
Reported period · 30 Jun 2026
|
+5.2% |
Supporting Metrics
These supporting metrics stay fully source-backed for deeper research. Scan the latest value and reported period first, then open a metric page when you need the full filing trail.
| Metric | Latest value | YoY relative change |
|---|---|---|
| Accounts Payable, Current |
$967,359
Period-end balance · 30 Jun 2026
|
+53% |
| Accounts Receivable, after Allowance for Credit Loss, Current |
$6,525,621
Period-end balance · 30 Jun 2026
|
+33% |
| Accrued Liabilities, Current |
$3,371,039
Period-end balance · 30 Jun 2026
|
+31% |
| Additional Paid in Capital |
$104,007,118
Period-end balance · 30 Jun 2026
|
+3.8% |
| Assets |
$123,786,998
Period-end balance · 30 Jun 2026
|
+14% |
| Assets, Current |
$111,169,882
Period-end balance · 30 Jun 2026
|
+15% |
| Cash and Cash Equivalents, at Carrying Value |
$6,385,966
Period-end balance · 30 Jun 2026
|
-15% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents |
$102,428,013
Period-end balance · 30 Jun 2026
|
+13% |
| Common Stock, Par or Stated Value Per Share |
0.001
Period-end balance · 30 Jun 2026
|
0% |
| Common Stock, Shares Authorized |
200,000,000
Period-end balance · 30 Jun 2026
|
0% |
| Common Stock, Shares, Issued |
32,607,392
Period-end balance · 30 Jun 2026
|
+7.8% |
| Deferred Income Tax Assets, Net |
$4,404,425
Period-end balance · 30 Jun 2026
|
-3.8% |
| Deferred Tax Assets, Valuation Allowance |
$2,700,000
Period-end balance · 30 Jun 2026
|
0% |
| Earnings Per Share, Basic |
-0.06
Trailing 12 months · 30 Jun 2026
|
-155% |
| Earnings Per Share, Diluted |
-0.06
Trailing 12 months · 30 Jun 2026
|
-155% |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest |
$784,761
Trailing 12 months · 30 Jun 2026
|
-423% |
| Income Tax Expense (Benefit) |
$723,371
Trailing 12 months · 30 Jun 2026
|
+147% |
| Inventory, Net |
$392,108
Period-end balance · 30 Jun 2026
|
+3.1% |
| Liabilities |
$104,994,551
Period-end balance · 30 Jun 2026
|
+17% |
| Liabilities and Equity |
$123,786,998
Period-end balance · 30 Jun 2026
|
+14% |
| Liabilities, Current |
$101,473,797
Period-end balance · 30 Jun 2026
|
+17% |
| Operating Income (Loss) |
$1,120,426
Trailing 12 months · 30 Jun 2026
|
+31% |
| Operating Lease, Liability, Current |
$750,013
Period-end balance · 30 Jun 2026
|
+19% |
| Operating Lease, Liability, Noncurrent |
$2,610,444
Period-end balance · 30 Jun 2026
|
+18% |
| Operating Lease, Right-of-Use Asset |
$3,185,438
Period-end balance · 30 Jun 2026
|
+17% |
| Other Assets, Noncurrent |
$362,949
Period-end balance · 30 Jun 2026
|
+1.4% |
| Preferred Stock, Par or Stated Value Per Share |
0.01
Period-end balance · 30 Jun 2026
|
0% |
| Preferred Stock, Shares Authorized |
10,000,000
Period-end balance · 30 Jun 2026
|
0% |
| Preferred Stock, Shares Outstanding |
0
Period-end balance · 30 Jun 2026
|
|
| Property, Plant and Equipment, Net |
$4,654,545
Period-end balance · 30 Jun 2026
|
+36% |
| Retained Earnings (Accumulated Deficit) |
$70,142,412
Period-end balance · 30 Jun 2026
|
-2.2% |
| Revenue from Contract with Customer, Excluding Assessed Tax |
$92,567,996
Trailing 12 months · 30 Jun 2026
|
+10% |
| Share-based Payment Arrangement, Expense |
$1,711,368
Trailing 12 months · 30 Jun 2026
|
+11% |
| Share-based Payment Arrangement, Noncash Expense |
$1,711,368
Trailing 12 months · 30 Jun 2026
|
-13% |
| Stockholders' Equity Attributable to Parent |
$18,792,447
Period-end balance · 30 Jun 2026
|
+0.32% |
Comparisons, sources and research notes
Sources and sharing
USIO - Usio, Inc. Financial Facts
- Context
- Latest metrics period: Q2 2026
- Latest reported value
- Return On Invested Capital -4.3%
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.
Tracking and update notes
Why revisit this company facts page
Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.
- Latest source-backed update
- Latest metrics period Q2 2026
- Why come back
- Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
- Current latest metrics period: Q2 2026.
- Most recent SEC facts end date on this page: 10 Aug 2026.
- Save this filer to return when the next filing-backed metric period changes the picture.
Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.
Latest update
Latest update for USIO - Usio, Inc.
Latest financial period: Q2 2026. Reopen this facts page to verify the newest reported period against the prior baseline.
Update date
12 Aug 2026
Page type
Company facts
Latest period
Q2 2026
SEC-backed company facts were refreshed from filings filed on 12 Aug 2026.
Benchmark Context
How Return On Invested Capital compares
Return On Invested Capital is down about 43% versus the comparable prior period.
Compared with
Compared with Usio, Inc.'s recent history first. Same-industry peer context appears only when enough SEC-backed benchmark coverage exists.
Why this is notable
Return On Invested Capital already has a self-history signal here, but same-industry benchmark context waits until the benchmark sample is strong enough.
- Latest comparable period on this page: Q2 2026.
- Peer context will appear when enough companies report a comparable value for this metric.
- Open the metric history first if you want to verify the exact period-to-period change.
Industry benchmark context uses SEC-reported values from the same methodology version. Latest periods may differ across companies.
How to read key metrics on this page
These short guides explain what the headline metrics mean, what to compare next, and where to open the live SEC-backed example for this company.
Plain-English Guide
How to read Revenue on this page
Revenue is the sales a company reports from customers before most expenses are subtracted.
Why people care
People start here to understand business scale and whether demand is growing before they ask about margins or cash flow.
How to read it
Check the latest reported period first, then compare the same quarter or year against prior periods so seasonality does not distort the story.
Compare next
Compare revenue with gross profit, operating income, and operating cash flow to see whether sales are turning into healthy economics.
Revenue can jump because of acquisitions, pricing changes, or revenue-recognition rules, and reporting periods may differ across companies.
Open a live SEC-backed example
Plain-English Guide
How to read Net Income on this page
Net income is profit after operating costs, interest, taxes, and other non-operating items.
Why people care
It is the bottom-line profit figure many users recognize first, especially when they want to compare earnings with sales or cash flow.
How to read it
Use the same quarter or fiscal year comparison first, then check operating income or cash flow if the bottom line moved sharply.
Compare next
Compare it with operating income, EPS, and operating cash flow to see whether earnings are broad-based or driven by one-off items.
Net income can swing because of tax, financing, or accounting adjustments, so it is often less comparable than core operating metrics.
Open a live SEC-backed example
Filing notes and source
Key facts
- USIO - Usio, Inc. financial facts use SEC filings; any third-party reference is labeled separately.
- Latest metrics period on this page: Q2 2026.
- Headline metric: Return On Invested Capital -4.3%.
Change
- Return On Invested Capital YoY relative change: -43%.
- Most recent SEC facts end date: 10 Aug 2026.
Research use
- This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
- Metric cards link to SEC history; a third-party reference may use a different or unverified reporting period.
Evidence
Based on latest 10-Q/10-K
View source filing
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.
Latest financial snapshot (2026-08-10) highlights Return On Invested Capital -4.3%, Return On Equity -8.0%, and Return On Assets -0.6%.
Valuation Snapshot
SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.
DCF value materially below price
Overvalued
Low confidence
-52%
fair value gap
Fair value per share
$1.30
Market price
$2.69
USIO - Local security
PEG ratio
n/a
Enterprise value
$31.32M
Equity value
$36.11M
DCF fair value scenarios
Bear
$1.01
- Growth
- 1%
- Discount
- 11%
- Terminal
- 2%
Gap -62%
Base
$1.30
- Growth
- 4%
- Discount
- 10%
- Terminal
- 2.5%
Gap -52%
Bull
$1.75
- Growth
- 7%
- Discount
- 9%
- Terminal
- 3%
Gap -35%
Base growth: DCF Growth Assumption.
Key valuation metrics
EV/Revenue
0.8x
Local security market EV / SEC revenue
EV/EBITDA
126.0x
Local security market EV / SEC EBITDA
P/E
n/a
Local security market price / SEC EPS
Net income is unavailable or not positive
P/S
0.8x
Local security market cap / SEC revenue
P/B
4.0x
Local security market cap / SEC equity
PEG
n/a
P/E / DCF Growth Assumption
P/e or positive growth is unavailable
Core assumptions
- Projection
- 5 years
- FCF growth
- 4%
- Discount rate
- 10%
- Terminal growth
- 2.5%
SEC fact inputs
- DCF base FCF
- $2.15M
- Normalized SEC FCF average
- Reported FCF
- $275.8K
- Net income
- $1.51M
- EBITDA
- $555.8K
- Cash
- $6.39M
- Debt
- $1.6M
- Equity
- $18.79M
- Shares
- 27,819,834
Data confidence notes
- Dcf base free cash flow: dcf base starts from trailing sec free cash flow
- Dcf base free cash flow: trailing free cash flow is below recent annual free cash flow, so dcf uses a normalized sec average
- Dcf base free cash flow: capital expenditures consume more than half of operating cash flow
- Dcf confidence is low for this sec-only free cash flow estimate
- Peg uses dcf growth assumption because historical sec growth is not positive
- Dcf uses fallback growth assumption because historical free cash flow growth is not positive
- Peg unavailable: earnings per share is not positive
Compare This Company Through SEC-backed Metrics
Use these links to compare USIO - Usio, Inc. against other SEC filers on the same metric, then verify the company history from the paired facts page.
Revenues YoY
Latest value: 10%
Financial Quality Score
Transparent 0-100 scoring model based on profitability, financial health, and growth factors.
30.1/100
Weak Confidence high
Return On Invested Capital
-4.3%
Metric score 0.0/100
Return On Equity
-8%
Metric score 0.0/100
Return On Assets
-0.6%
Metric score 0.0/100
Financial Health
- Current Ratio
- 1.1x
- Quick Ratio
- 0.13x
- Debt to Equity
- 0.25x
Strengths
Current Ratio and Debt-to-equity
Watchpoints
Return On Invested Capital, Return On Equity, and Return On Assets
Calculation methodology and other links
How we score
This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.
| Metric | Weight | V1 threshold |
|---|---|---|
| ROIC | 20 | 5% to 20% |
| ROE | 15 | 8% to 25% |
| ROA | 10 | 2% to 10% |
| Operating Margin | 5 | 5% to 25% |
| Current Ratio | 12 | 1.0x to 2.0x |
| Quick Ratio | 8 | 0.8x to 1.5x |
| Debt to Equity | 10 | 0.3x to 2.0x (lower is better) |
| Revenue YoY | 10 | -10% to +20% |
| Net Income YoY | 10 | -10% to +20% |
How Calculated (standard_v1)
Metrics are computed with a market-consensus convention designed for cross-portal comparability.
- Operating Income / Revenues using matching TTM or quarter periods; basis shown per metric
- Current Assets / Current Liabilities (latest instant quarter)
- (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
- Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
- TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
- TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
- TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
- Revenues YoY using available TTM or quarter comparison; basis shown per metric
- Net Income YoY using available TTM or quarter comparison; basis shown per metric
CIK / security context first