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/research/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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13F Pro Quality Score

35.3/100

Rank #2,152 of 2,879 stocks

View Financials peers →

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

Revenue Growth

40.6/100

Profitability

28.9/100

Balance Sheet

33.3/100

Earnings Quality

30.0/100

Free Cash Flow

40.1/100

Institutional Flow

88.1/100

Revenue Scale

16.1/100

Dilution Risk

41.0/100

USIO Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Usio, Inc. (USIO), a Financials sector company. 13F Pro's AI-powered ranking engine scores USIO at 35.3/100 on a 32-signal composite quality model, placing it at rank #2,152 of 2,879 stocks — the bottom half of the AI-ranked universe. USIO scores in the top quartile across institutional flow (88.1). Areas of concern include revenue scale (16.1) and profitability (28.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 41.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Usio, Inc. reports quarterly revenue of $25.5M, net income of $122.5K, an operating margin of 0.9%. Top institutional holders of USIO by reported 13-F value include WHITTIER CO, 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 32 and 54 since 2021, currently 35.3 — a declining long-term trajectory across 28 quarterly and live scoring snapshots.

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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

Q1 2026

$25.5M

Net Income

Q1 2026

$122.5K

Free Cash Flow

Q1 2026

$548.7K

Operating Margin

Q1 2026

0.9%

D/E Ratio

Q1 2026

0.09

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+3.0% YoY

$85.4MFY 2025

FY21 $61.9MFY22 $69.4MFY24 $82.9MFY25 $85.4M

Net Income

-176.0% YoY

$-2.5MFY 2025

FY21 $-321.6KFY22 $-5.5MFY24 $3.3MFY25 $-2.5M

Operating Income

-60.5% YoY

$-2.4MFY 2025

FY21 $-155.4KFY22 $-5.2MFY24 $-1.5MFY25 $-2.4M

EPS (Diluted)

-175.0% YoY

$-0.09FY 2025

FY21 $-0.02FY22 $-0.27FY24 $0.12FY25 $-0.09

Total Assets

+25.8% YoY

$134.9MFY 2025

FY21 $133.7MFY22 $97.9MFY24 $107.2MFY25 $134.9M

Total Debt

+90.7% YoY

$1.7MFY 2025

FY21 $126.2KFY22 $71.4KFY24 $867.0KFY25 $1.7M

Op. Cash Flow

-47.7% YoY

$1.5MFY 2025

FY21 $29.8MFY22 $-17.0MFY24 $2.9MFY25 $1.5M

Metric	FY 2025	FY 2024	FY 2022	FY 2021	FY 2018	FY 2017
Revenue	$85.4M +3.0%	$82.9M +19.4%	$69.4M +12.1%	$61.9M +147.5%	$25.0M +71.7%	$14.6M
Net Income	$-2.5M -176.0%	$3.3M +160.3%	$-5.5M -1604.8%	$-321.6K +91.5%	$-3.8M -25.5%	$-3.0M
Operating Income	$-2.4M -60.5%	$-1.5M +71.8%	$-5.2M -3255.9%	$-155.4K +95.9%	$-3.8M -33.0%	$-2.8M
EPS (Diluted)	$-0.09 -175.0%	$0.12 +144.4%	$-0.27 -1250.0%	$-0.02 +93.5%	$-0.31 +6.1%	$-0.33
Total Assets	$134.9M +25.8%	$107.2M +9.5%	$97.9M -26.8%	$133.7M +96.0%	$68.2M +1.2%	$67.4M
Total Debt	$1.7M +90.7%	$867.0K +1113.9%	$71.4K -43.4%	$126.2K	—	—
Operating Cash Flow	$1.5M -47.7%	$2.9M +117.0%	$-17.0M -157.2%	$29.8M +1180.6%	$-2.8M -194.4%	$-936.5K

AI Insight: USIO Financial Trends

Revenue inflected upward to $25M in Q1 2026, but profitability remains elusive and debt crept higher.

• Revenue grew 13.6% from Q4 2025 ($22M) to Q1 2026 ($25M), strongest quarter in trailing eight.

• Operating income hovered near breakeven across all eight quarters; net income similarly flat to slightly negative.

• Total debt increased from $1M in Q2–Q3 2024 to $2M in Q4 2025–Q1 2026; equity flat at $18–19M.

⚠ Q2 2025 registered $0M operating cash flow and $0M net income—a low point suggesting operational stress.

⚠ Operating margins remain underwater; sustained profitability required to justify debt-to-equity ratio of 11% at Q1 2026.

AI Insight: USIO Ratio Trends

USIO swung to profitability in Q1 2026 with positive operating margin and ROIC after two years of consistent losses.

• Operating margin improved 660 bps to 0.9% in Q1 2026 from -5.7% in Q4 2025; net profit margin turned positive at 0.5%.

• ROIC rebounded to 4.6% in Q1 2026 versus -25.7% in Q4 2025, reversing nine quarters of negative returns on invested capital.

• Debt-to-equity ratio stable near 0.04–0.06 range for most periods, now at 0.09 in latest quarter; leverage remains modest.

⚠ TTM metrics remain deeply negative (OpMargin -2.1%, ROIC -9.6%) despite Q1 2026 turnaround; confirm sustainability next quarter.

⚠ Q4 2025 showed severe deterioration (OpMargin -5.7%, ROE -33.4%); verify Q1 recovery is not seasonal or one-off item.

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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
$3.2M2,713,852 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.0M902,159 sh
PERKINS CAPITAL MANAGEMENT INC
$800.2K701,932 sh
RENAISSANCE TECHNOLOGIES LLC
$456.8K400,741 sh
CITADEL ADVISORS LLC
$205.3K180,079 sh
North Star Investment Management Corp.
$205.2K180,000 sh
GEODE CAPITAL MANAGEMENT, LLC
$135.8K119,117 sh
VANGUARD FIDUCIARY TRUST CO
$119.0K104,390 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$115.1K101,000 sh
BlackRock, Inc.
$104.9K91,990 sh

Fund	Value	Shares
WHITTIER TRUST CO	$3.2M	2,713,852
VANGUARD CAPITAL MANAGEMENT LLC	$1.0M	902,159
PERKINS CAPITAL MANAGEMENT INC	$800.2K	701,932
RENAISSANCE TECHNOLOGIES LLC	$456.8K	400,741
CITADEL ADVISORS LLC	$205.3K	180,079
North Star Investment Management Corp.	$205.2K	180,000
GEODE CAPITAL MANAGEMENT, LLC	$135.8K	119,117
VANGUARD FIDUCIARY TRUST CO	$119.0K	104,390
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$115.1K	101,000
BlackRock, Inc.	$104.9K	91,990

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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.

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.