Usio, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Usio, Inc.'s yearly results (2022–2025), compared with Technology companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than almost all Technology companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than almost all Technology companies in United States.
- Cash Locked Ratio: For every $100 of sales, $5 is tied up in day-to-day operations (money owed by customers + stock − money owed to suppliers), against $5 tied up three years earlier. Less money tied up than 91% of Technology companies in United States.
Where $100 of sales goes
Latest year (Dec 2025). Taxes and other income are not shown, so the parts need not add up to 100.
Cash quality
Profit Cash Ratio
—Loss-making or profit too small
Over the last 3 years profit was a loss or under 2% of sales, so cash per 100 of profit is not meaningful.
Self-Funding Ratio
2.4×Over the last 3 years its own operating cash covered its investment spending (capex) 2.4 times.
Lower than 55% of Technology companies in United States.
Cash Locked Ratio
$5For every $100 of sales, $5 is tied up in day-to-day operations (money owed by customers + stock − money owed to suppliers), against $5 tied up three years earlier.
Less money tied up than 91% of Technology companies in United States.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 54% of Technology companies in United States.
Growth Efficiency Ratio
$19Sales grew 23% in 3 years; of every extra $100 of sales, $19 became extra profit.
Lower than 52% of Technology companies in United States.
Asset Productivity Ratio
+23% / +38%In 3 years sales changed by +23% while total assets changed by +38%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
5.2×Debt due within a year is covered 5.2 times by its yearly operating cash.
Higher than 55% of Technology companies in United States.
Cash Cushion Ratio
+4%Cash, after subtracting all debt, equals 4% of its market value (net cash).
Higher than 61% of Technology companies in United States.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than almost all Technology companies in United States.
Tangible Net Worth Ratio
100%Of every $100 of net worth, $100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than almost all Technology companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (13)
Usio, Inc. made a loss over the last year. Usio, Inc. owes $0.85 for every $1 it owns. Usio, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Compared with Technology companies in United States · latest annual results Dec 2025.
P/E ratio
LossUsio, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
4.79The share price is 4.79 times Usio, Inc.'s book value per share, higher than 66% of Technology companies in United States.
Market cap
$90 MThe total market value of all of Usio, Inc.'s shares at today's price (share price × number of shares), smaller than 77% of Technology companies in United States. PosiCap size class: Micro Cap.
Net worth (book value)
$19 MWhat Usio, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$0.66Net worth divided by the number of shares. The share price of $3.16 is 4.8 times this, which is the P/B above.
Return on equity (ROE)
-8.0%Usio, Inc. lost 8.0% of its shareholders' money over the last year, lower than 64% of Technology companies in United States.
Owes vs Owns
0.85×Usio, Inc. owes $0.85 for every $1 it owns (high), higher than 85% of Technology companies in United States.
Dividend yield
NoneUsio, Inc. does not currently pay a dividend.
Revenue growth
+3%Revenue rose 3% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Profit growth
LossUsio, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-2.9%Usio, Inc. lost $3 for every $100 of revenue.
Interest cover
Not coveredUsio, Inc.'s operating profit did not cover its interest costs in the year to Dec 2025.
Cash vs debt
Net cashUsio, Inc. held $4 M more cash than debt (net cash) at Dec 2025.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Usio, Inc.: $90 M ÷ $19 M (30 Jun 2026) = 4.8.
What is Usio, Inc.'s return on equity?
Usio, Inc. lost 8.0% of its shareholders' money over the last year, lower than 64% of Technology companies in United States.
How much does Usio, Inc. owe compared with what it owns?
Usio, Inc. owes $0.85 for every $1 it owns (high), higher than 85% of Technology companies in United States.
Does Usio, Inc. pay a dividend?
No. Usio, Inc. does not currently pay a dividend.
Is Usio, Inc.'s revenue growing?
Revenue rose 3% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.