Reading the annual reports…
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
USIO · Nasdaq · United States · Functions Related To Depository Banking, Nec
In shortUsio, Inc. is loss-making.
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | -2.8% | 7/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -2.9% | 8/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -13.6% | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 1.3% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 4 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 1 of 5 | 20/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 38.3% | 0/100 |
| Operating margin volatility | 2.9% | 82/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 7.1% | 56/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 62 | 69 | 84 | 83 | 85 |
| Cost of revenue | 46 | 55 | 64 | 63 | 66 |
| Gross profit | 16 | 15 | 20 | 20 | 20 |
| Selling, general & admin | – | – | – | 17 | 18 |
| Operating income | (0.2) | (5.2) | (0.4) | (1.5) | (2.4) |
| Interest expense | 0 | 0 | 0 | 0.1 | 0.1 |
| Pre-tax income | (0.2) | (5.2) | (0.2) | 0.7 | (2) |
| Income tax | 0.2 | 0.3 | 0.3 | (2.6) | 0.5 |
| Net income | (0.3) | (5.5) | (0.5) | 3.3 | (2.5) |
| Diluted EPS | −$0.02 | −$0.27 | −$0.02 | $0.12 | −$0.09 |
| Diluted shares (millions) | 20 | 20 | 26 | 27 | 27 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 12, 2026