# USIO, INC. (USIO) · Edgar & Edgarette company card

> Usio (USIO) grew revenue 3.0% in FY2025 to $85 million, operating margin -2.8%, equity 13.3% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1088034 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/USIO) · [JSON](https://www.pops4.com/boards/company/USIO.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $85M |
| Revenue growth, 1 year | 3.0% |
| Revenue growth per year | 8.4% |
| Operating margin | -2.8% (prior year -1.8%) |
| Net margin | -2.9% |
| Operating cash flow | $2M |
| Capital spending | $435,014 |
| Free cash flow | $1M |
| Cash | $7M |
| Long-term debt | $1M |
| Total assets | $135M |
| Total equity | $18M |
| Equity ÷ assets | 13.3% |
| Return on equity | -14.0% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Piotroski F: 3 of 9 (middling)
- Health Harbor boat: Weathered boat · two warning signs · operating loss: a margin of -2.8% in FY2025; revenue is hard to predict: its 80% range is ±44%
- Cash Compass: In between · no clear cash pattern yet

## Edgarette's reading

Exposure: revenue $85.4M (FY2025), total debt $1.4M. Experience: revenue up 3.0% on the year, up 8.4% a year over 4 years; operating margin -2.8%, down from -1.8%. Soundness: equity 13.3% of assets, return on equity -14.0%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $54.0M and $138.5M next year (method v4.1: its own 6-year record of growth weighed at 63% against $50M–100M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $55.9M to $134.0M. A statistical range, not company guidance. Against peers (59 filers, $50M+ revenue, its industry group): growth 3.0% against 7.5%.

Range logged 2026-11-01, receipt 82bfd8298e52adad, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 1, latest 2026-06-17 ([filing](https://www.sec.gov/Archives/edgar/data/1088034/000143774926020962/0001437749-26-020962-index.htm))

## Recent filings

- 8-K · filed 2026-10-19 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1088034/000143774926032944/0001437749-26-032944-index.htm)
- 10-Q · filed 2026-08-12 · [filing](https://www.sec.gov/Archives/edgar/data/1088034/000143774926027300/0001437749-26-027300-index.htm)
- 8-K · filed 2026-08-12 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1088034/000143774926027301/0001437749-26-027301-index.htm)
- 8-K · filed 2026-06-17 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1088034/000143774926020962/0001437749-26-020962-index.htm)
- 8-K · filed 2026-06-10 · 5.03 Amendments to Articles or Bylaws; Change in Fiscal Year; 5.07 Submission of Matters to a Vote of Security Holders; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1088034/000143774926020174/0001437749-26-020174-index.htm)
- 8-K · filed 2026-05-13 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1088034/000143774926016711/0001437749-26-016711-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001088034.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1088034

## Cite

POPS4, Edgar & Edgarette: USIO, INC. (USIO) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/USIO. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.