What is the 13F Pro Quality Score for USIO?

13F Pro ranks Usio, Inc. (USIO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View USIO's current score at https://13fpro.ai/company/USIO (free sign-up required for the full ranking).

Where does 13F Pro source USIO data?

All Usio, Inc. fundamentals and ownership data come directly from SEC EDGAR. Usio, Inc. files with the SEC under CIK 1088034. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is USIO in?

Usio, Inc. (USIO) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is USIO research updated on 13F Pro?

USIO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Usio, Inc.(USIO)Stock Analysis

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SEC EDGAR: CIK 1088034 USIO stock profile & AI dashboard →

13F Pro Quality Score

29.9/100

Rank #2,512 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

43.7/100

Profitability

24.9/100

Balance Sheet

30.5/100

Earnings Quality

18.5/100

Free Cash Flow

26.5/100

Institutional Flow

23.1/100

Revenue Scale

14.6/100

Dilution Risk

40.1/100

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Why USIO Scores 30/100

exact factor attribution · 2026-09-11

USIO's composite is held back by scale and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Shareholder dilution

-0.7 pts

40th pct

Earnings growth

-1.3 pts

31th pct

Revenue growth

-1.7 pts

44th pct

Institutional flow

-1.8 pts

23th pct

Capital efficiency

-2.6 pts

31th pct

Earnings quality

-3.1 pts

19th pct

Free cash flow

-3.5 pts

27th pct

Profitability

-5.0 pts

25th pct

Scale

-7.1 pts

15th pct

Latest change (2026-08-12): 35 → 37 · ↑ Profit margin 29→38; despite ↓ Free cash flow 40→32

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

USIO Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Usio, Inc. (USIO), a Financials sector company. 13F Pro's AI-powered ranking engine scores USIO at 29.9/100 on a 32-signal composite quality model, placing it at rank #2,512 of 2,962 stocks — the bottom half of the AI-ranked universe. Areas of concern include revenue scale (14.6) and earnings quality (18.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 40.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Usio, Inc. reports quarterly revenue of $23.7M, net income of $280.1K, an operating margin of 1.6%. Top institutional holders of USIO by reported 13-F value include WHITTIER, VANGUARD CAPITAL MANAGEMENT, PERKINS CAPITAL MANAGEMENT, based on the most recent SEC filings. USIO trades on the Nasdaq exchange and files with the SEC under CIK 1088034. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate USIO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Usio, Inc. directly from SEC EDGAR. Usio, Inc.'s 13F Pro composite quality score has ranged between 26 and 54 since 2021, currently 29.9 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about Usio, Inc.

Quirks, history, and lore behind USIO — the kind of stuff that makes a stock memorable.

1
The Basics
A small-cap U.S. fintech company · listed on Nasdaq · headquartered in San Antonio, Texas · focused on payment processing solutions.
2
The Numbers
Annual revenue in the range of $70–80 million — firmly micro-cap territory — yet it processes billions of dollars in transactions each year across multiple payment channels.
3
The History
The company traces its roots to the late 1990s and has spent decades evolving from a prepaid card processor into a broader multi-platform payments business.
4
The Secret
Its business spans prepaid debit cards, payroll cards, ACH processing, and output solutions — basically every way money can move except the ways you've already heard of.
5
The Lore
It has served government disbursement programs and gig economy payroll clients, quietly putting money in workers' hands without anyone knowing who powered it.
6
The Giveaway
Formerly known as NetSol Financial and then USAePay-adjacent, it rebranded to a name that screams "US I/O" — input, output, and payments all in one tidy ticker.

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Revenue

Q2 2026

$23.7M

Net Income

Q2 2026

$280.1K

Free Cash Flow

Q2 2026

$-828.2K

Operating Margin

Q2 2026

1.6%

ROIC

Q2 2026

7.4%

D/E Ratio

Q2 2026

0.08

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+3.0% YoY

$85.4MFY 2025

FY22 $69.4MFY23 $84.1MFY24 $82.9MFY25 $85.4M

Net Income

-176.0% YoY

$-2.5MFY 2025

FY22 $-5.5MFY23 $-475.1KFY24 $3.3MFY25 $-2.5M

Operating Income

-60.5% YoY

$-2.4MFY 2025

FY22 $-5.2MFY23 $-447.4KFY24 $-1.5MFY25 $-2.4M

EPS (Diluted)

-175.0% YoY

$-0.09FY 2025

FY22 $-0.27FY23 $-0.02FY24 $0.12FY25 $-0.09

Total Assets

+25.8% YoY

$134.9MFY 2025

FY22 $97.9MFY23 $106.9MFY24 $107.2MFY25 $134.9M

Total Debt

+90.7% YoY

$1.7MFY 2025

FY22 $71.4KFY23 $826.3KFY24 $867.0KFY25 $1.7M

Op. Cash Flow

-47.7% YoY

$1.5MFY 2025

FY22 $-17.0MFY23 $3.5MFY24 $2.9MFY25 $1.5M

Free Cash Flow

-60.1% YoY

$1.1MFY 2025

FY22 $-17.8MFY23 $2.7MFY24 $2.7MFY25 $1.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$85.4M +3.0%	$82.9M -1.3%	$84.1M +21.1%	$69.4M +12.1%	$61.9M +92.1%	$32.3M
Net Income	$-2.5M -176.0%	$3.3M +795.7%	$-475.1K +91.3%	$-5.5M -1604.8%	$-321.6K +88.9%	$-2.9M
Operating Income	$-2.4M -60.5%	$-1.5M -228.7%	$-447.4K +91.4%	$-5.2M -3255.9%	$-155.4K +95.9%	$-3.8M
EPS (Diluted)	$-0.09 -175.0%	$0.12 +700.0%	$-0.02 +92.6%	$-0.27 -1250.0%	$-0.02 +89.5%	$-0.19
Total Assets	$134.9M +25.8%	$107.2M +0.3%	$106.9M +9.2%	$97.9M -26.8%	$133.7M +61.7%	$82.7M
Total Debt	$1.7M +90.7%	$867.0K +4.9%	$826.3K +1056.8%	$71.4K -43.4%	$126.2K	$0.00
Operating Cash Flow	$1.5M -47.7%	$2.9M -17.4%	$3.5M +120.6%	$-17.0M -157.2%	$29.8M +373.2%	$6.3M
Free Cash Flow	$1.1M -60.1%	$2.7M +1.0%	$2.7M +115.0%	$-17.8M -162.6%	$28.5M +424.2%	$5.4M

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Available Research

13F Pro tracks comprehensive data for Usio, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of USIO

WHITTIER TRUST CO
$6.4M2,713,852 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.3M917,455 sh
PERKINS CAPITAL MANAGEMENT INC
$1.7M700,371 sh
RENAISSANCE TECHNOLOGIES LLC
$1.1M437,241 sh
GEODE CAPITAL MANAGEMENT, LLC
$457.7K184,503 sh
North Star Investment Management Corp.
$446.4K180,000 sh
Stonebridge Wealth Management, LLC
$439.2K177,084 sh
BlackRock, Inc.
$277.2K111,768 sh
VANGUARD FIDUCIARY TRUST CO
$260.8K105,174 sh
Sentinus, LLC
$197.7K79,700 sh

Fund	Value	Shares
WHITTIER TRUST CO	$6.4M	2,713,852
VANGUARD CAPITAL MANAGEMENT LLC	$2.3M	917,455
PERKINS CAPITAL MANAGEMENT INC	$1.7M	700,371
RENAISSANCE TECHNOLOGIES LLC	$1.1M	437,241
GEODE CAPITAL MANAGEMENT, LLC	$457.7K	184,503
North Star Investment Management Corp.	$446.4K	180,000
Stonebridge Wealth Management, LLC	$439.2K	177,084
BlackRock, Inc.	$277.2K	111,768
VANGUARD FIDUCIARY TRUST CO	$260.8K	105,174
Sentinus, LLC	$197.7K	79,700

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Is USIO a good stock to buy?

13F Pro's AI-powered analysis of Usio, Inc. (USIO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for USIO are available on the USIO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. USIO is classified as a small company.

Which hedge funds own USIO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling USIO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Usio, Inc.'s investment landscape.