OakChart

Usio Inc

USIOTechnology·Software - Infrastructure·USA·Micro·NASD·Nov 11 • 1:38 PM ET

2.30-0.61 (-20.96%)
2026-11-11 19:39 CET
Market cap
82.92 USD m
Revenue, TTM
95.15 USD m
Net income, TTM
-0.88 USD m
Free cash flow, TTM
0.14 USD m
EPS diluted, TTM
-0.03
P/E
-
Compare

Price

USIO against its 20, 50 and 200-day averages
2050200beatearnings
1.502.002.503.001.4M2.8MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26USIOclose 2.3020-day 2.9750-day 2.74200-day 1.952.3052w high

30.1% under the 52-week high of 3.29 on 22 Oct 2026. 52-week low 1.03 on 19 Mar 2026. Last 15 sessions, 62.0% high to low

Profile

USIO
52-week range, 56% of the way up
1.033.29

USIO, Inc. operates as an integrated electronic payment solutions provider. The firm provides payment acceptance, card-based processing, prepaid cards, and payment facilitation and electronic billing products and services to businesses, merchants and consumers. It operates through the following segments: Output Solutions and Merchant Services. The Output Solutions segment offers electronic bill presentment, document composition, document decomposition and printing and mailing services serving hundreds of customers representing a wide range of industry verticals, including utilities and financial institutions. The Merchant Services segment offers integrated electronic payment processing services to merchants and businesses, including credit and debit card-based processing services and electronic funds transfer via the ACH network. The company was founded by Louis A. Hoch and Michael R. Long in 1998 and is headquartered in San Antonio, TX.

Employees107
IPODec 09, 1999
Beta1.38
ATR, 14d0.24
Rel volume3.13
Short float0.23%
Insider own37.02%
Inst own21.02%

Snapshot

6 groups

Valuation

Index-
Market Cap65.54M
Enterprise Value62.85M
Income-0.88M
Sales95.15M
Book/sh0.68
Cash/sh0.26
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees107
IPODec 09, 1999

Ratios

P/E-
Forward P/E22.26
PEG-
P/S0.69
P/B3.36
P/C8.93
P/FCF468.13
EV/EBITDA61.62
EV/Sales0.66
Quick Ratio1.09
Current Ratio1.10
Debt/Eq0.24
LT Debt/Eq0.18
Option/ShortYes / Yes

Earnings

EPS (ttm)-0.03
EPS next Y0.10
EPS next Q0.01
EPS this Y137.04%
EPS next Y210.00%
EPS next 5Y-
EPS past 3/5Y29.75% 13.11%
Sales past 3/5Y7.14% 21.50%
EPS Y/Y TTM-152.86%
Sales Y/Y TTM13.67%
EPS Q/Q149.35%
Sales Q/Q12.20%
EarningsNov 10 AMC
EPS/Sales Surpr.0.00% -0.90%

Ownership

Insider Own37.02%
Insider Trans0.00%
Inst Own21.02%
Inst Trans6.60%
ROA-0.81%
ROE-4.58%
ROIC-3.79%
Gross Margin21.10%
Oper. Margin-0.40%
Profit Margin-0.92%
SMA20-22.60%
SMA50-15.91%
SMA20018.23%
Trades-

Technical

Shs Outstand28.51M
Shs Float17.95M
Short Float0.23%
Short Ratio0.13
Short Interest0.04M
52W High3.29 -30.09%
52W Low1.03 123.30%
Volatility6.66% 6.62%
ATR (14)0.24
RSI (14)32.90
Beta1.38
Rel Volume3.13
Avg Volume330.94K
Volume679,158

Performance

Perf Week-23.33%
Perf Month-13.86%
Perf Quarter-11.20%
Perf Half Y75.57%
Perf YTD69.12%
Perf Year56.46%
Perf 3Y31.43%
Perf 5Y-61.79%
Perf 10Y32.95%
Recom1.00
Target Price5.92
Prev Close2.91
Price2.30
Change %-20.96%

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Insider trading

latest 14 of 37
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Miller Elizabeth MichelleDirectorAug 21 '26Option Exercise2.817,00019,67078,194Sep 03 05:17 PM
Rollins BradDirectorAug 21 '26Option Exercise2.817,00019,670150,667Aug 25 06:07 PM
Beyer del la Garza Ernesto RDirectorAug 21 '26Option Exercise2.817,00019,670102,222Aug 25 06:05 PM
HOCH LOUIS AChairman, President and CEOAug 21 '26Option Exercise2.817,00019,6703,513,334Aug 25 04:36 PM
Uffner JerryHead of Card IssuingAug 21 '26Option Exercise2.816,00016,860251,270Aug 25 04:16 PM
Frost Houston KorthSVP, Chief Product OfficerAug 21 '26Option Exercise2.816,00016,860781,108Aug 25 03:38 PM
White Michael JosephSVP, Chief Accounting OfficerAug 21 '26Option Exercise2.816,00016,860327,958Aug 25 03:34 PM
Beyer del la Garza Ernesto RDirectorJun 21 '26Option Exercise1.827,00012,74099,666Jun 23 02:06 PM
Miller Elizabeth MichelleDirectorJun 21 '26Option Exercise1.827,00012,74071,194Jun 23 02:05 PM
Rollins BradDirectorJun 21 '26Option Exercise1.827,00012,740143,667Jun 23 02:04 PM
Frost Houston KorthSVP, Chief Product OfficerJun 21 '26Option Exercise1.824,0007,280775,108Jun 22 05:56 PM
Uffner JerrySVP, Head of Card IssuingJun 21 '26Option Exercise1.824,0007,280246,638Jun 22 05:49 PM
HOCH LOUIS AChairman, President and CEOJun 21 '26Option Exercise1.827,00012,7403,509,089Jun 22 05:44 PM
White Michael JosephSVP, Chief Accounting OfficerJun 21 '26Option Exercise1.826,00010,920323,737Jun 22 05:11 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWCiShares Micro-Cap ETFAUM: 1.22B
BUSMEA Bridgeway Ultra-Small Company Market ETFAUM: 111.21M
DUSGU.S. Small Cap Growth Portfolio ETF Class Shares-
DFACU.S. Core Equity 2 Portfolio-ETF Class Shares-
DFSUDimensional US Sustainability Core 1 ETF-

News

latest 14 of 200
  • Usio Meets The Whisper As Margin Leverage Offsets A Sharp Top-Line Slowdown (Earnings Whispers) -5.21% -20.96%
  • Usio Reports Strong Third Quarter 2026 Results; Adjusted EBITDA(1) Increases 222% (GlobeNewswire)
  • Usio's Raised Outlook Meets A Wary Street As Q3 Tests Its Growth Acceleration (Earnings Whispers)
  • Usio Announces Third Quarter Fiscal Year 2026 Results Conference Call and Company Update on November 10, 2026 (GlobeNewswire)
  • Usio Announces Participation in Upcoming Investor Conferences (GlobeNewswire)
  • Usio Named by Harris Computer Corporation as a "Preferred Payments Service Provider" (GlobeNewswire) +9.57%
  • Usio Appoints Linda Loof as Senior Vice President of Strategic Partnerships (GlobeNewswire) -6.20%
  • Usio Inc (USIO) (Q2 2026) Earnings Call Highlights: Revenue Growth Accelerates to 19%, Guidance ... (GuruFocus.com) +8.82%
  • Usio Announces Second Quarter 2026 Financial Results (GlobeNewswire) +6.73%
  • Usio Announces Second Quarter Fiscal Year 2026 Results Conference Call and Company Update on August 12, 2026 (GlobeNewswire)
  • Usio Inc (USIO) Q1 2026 Earnings Call Highlights: Record Revenue and Strong Growth Across Segments (GuruFocus.com) -6.92%
  • Usio Announces First Quarter 2026 Financial Results (GlobeNewswire) +21.37%
  • Usio Announces First Quarter Fiscal Year 2026 Results Conference Call and Company Update on May 13, 2026 (GlobeNewswire)
  • Usio Launches New Private-Label Gift Card Platform (GlobeNewswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-100.0100.0100.00823.7623.983
2026Q22026-08-120.010-0.0030.01023.6823.674
2026Q12026-05-130.000-0.0180.00425.4723.204
2025Q42026-03-18-0.0500.002-0.05422.2023.065
2025Q32025-11-12-0.0200.000-0.01521.1822.193
2025Q22025-08-06-0.010-0.005-0.01419.9622.414
2025Q12025-05-14-0.0100.013-0.00922.0121.954
2024Q42025-03-260.020-0.0050.02320.5621.104
2024Q32024-11-060.1000.0130.10421.3221.514
2024Q22024-08-140.000-0.0080.00320.0820.184
2024Q12024-05-15-0.0100.010-0.01020.3221.863
2023Q42024-03-270.000-0.0030.00119.3620.473
2023Q32023-11-08-0.040-0.010-0.03620.5219.433
2023Q22023-08-140.0100.0000.00821.2619.201
2023Q12023-05-030.0000.0100.00121.4519.502
2022Q42023-03-08-0.010-0.030-0.00718.7118.771

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY-0.330-0.360-0.33514.5714.68
2018FY-0.310-0.307-0.31125.0225.36
2019FY-0.390-0.365-0.39528.2027.39
2020FY-0.190-0.266-0.18832.2531.46
2021FY-0.020-0.027-0.01661.9460.31
2022FY-0.270-0.290-0.26969.4369.55
2023FY-0.020-0.023-0.01882.5983.68
2024FY0.1200.0930.12382.9383.05
2025FY-0.090-0.036-0.09085.4086.21
2026FY-0.033--97.83
2027FY-0.103--109.55

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-1130024.7124.4925.01
2026Q4S2026-11-1030024.7124.4925.01
2026Q4S2026-10-2730024.7124.4925.01
2026Q4S2026-09-1633024.7124.4925.01
2026Q4S2026-08-1343024.4323.5825.01
2026Q4S2026-07-2840023.2222.5224.26
2026Q4S2026-06-0840223.2222.5224.26
2026Q4S2026-05-1440223.2822.5224.26
2026Q4S2026-05-0740223.9222.8324.94
2026Q4S2026-03-2050224.0222.8324.94
2026Q4S2026-03-1940224.0822.8324.94
2026Q4S2026-01-2730024.6823.7625.77
2026Q4S2025-11-2831124.6823.7625.77
2026Q4S2025-11-2621125.1424.5125.77

Estimate history

EPS, annual-0.335-0.311-0.395-0.188-0.016-0.269-0.0180.123-0.093-0.0323
Period201720182019202020212022202320242025TTM
EPS, quarterly0.1040.023-0.009-0.014-0.015-0.0540.0040.010.008
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual14.57125.02428.20132.25261.94269.42884.06682.93285.39495.15
Period201720182019202020212022202320242025TTM
Sales, quarterly21.32120.5622.00919.96121.1822.24325.46623.67923.764
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual16.20216.04417.10524.97525.47325.09826.33326.6127.7328.51
Period201720182019202020212022202320242025MRQ
Shares, quarterly27.21726.6126.52826.47627.39627.7327.67228.51428.51
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue95.1585.3982.9384.0769.4361.9432.2528.2025.02
Cost of Goods Sold Incl. D&A75.0867.6565.5866.0757.5748.9526.3924.2721.33
Gross Profit20.0717.7517.3517.9911.8612.995.863.933.69
Selling, General and Administrative Excl. Other20.4519.9918.8218.4417.0713.149.618.997.47
Other Operating Expense0.000.000.000.000.000.000.000.000.00
Operating Income-0.38-2.24-1.47-0.45-5.21-0.16-3.76-5.06-3.77
Interest Expense0.090.050.050.010.000.000.000.000.00
Unusual Expense0.000.120.000.000.000.00-0.81--
Net Income Before Taxes-0.09-2.000.68-0.18-5.20-0.15-2.88-5.01-3.70
Income Taxes0.790.51-2.630.290.280.170.020.100.08
Consolidated Net Income-0.88-2.513.31-0.48-5.48-0.32-2.91-5.12-3.78
Net Income From Continuing Operations-0.88-2.513.31-0.48-5.48-0.32-2.91-5.12-3.78
Net Income-0.88-2.513.31-0.48-5.48-0.32-2.91-5.12-3.78
EPS (Recurring)-0.03-0.090.12-0.02-0.27-0.02-0.23-0.39-0.31
EPS (Basic, Before Extraordinaries)-0.03-0.090.12-0.02-0.27-0.02-0.19-0.39-0.31
EPS (Diluted)-0.03-0.090.12-0.02-0.27-0.02-0.19-0.39-0.31
EBITDA1.02-0.300.791.63-2.482.49-2.24-3.04-1.90
Non-Operating Income (Expense)0.380.412.200.270.020.010.060.050.08
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.491.381.651.761.641.091.080.940.99
Price To Earnings Ratio--14.79------
Price To Sales Ratio-0.430.470.540.481.411.280.720.80
Gross Margin21.1020.7820.9221.4017.0820.9718.1613.9214.76
Operating Margin-0.40-2.63-1.77-0.53-7.51-0.25-11.65-17.95-15.08
Net Margin-0.92-2.943.99-0.57-7.90-0.52-9.01-18.14-15.09
Shares Outstanding28.5127.7326.6126.3325.1025.4724.9717.1016.04
Market Capitalization82.9282.9239.6145.2541.78109.5566.1826.3726.55

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue23.7623.6825.4722.2421.1819.9622.0120.56
Cost of Goods Sold Incl. D&A18.3618.2420.5517.9216.7415.2917.7016.05
Gross Profit5.405.444.914.324.444.684.314.51
Selling, General and Administrative Excl. Other5.125.064.695.584.905.074.555.11
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income0.280.380.23-1.26-0.46-0.40-0.24-0.60
Interest Expense0.020.020.020.020.010.010.010.01
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes0.350.450.29-1.18-0.35-0.30-0.170.98
Income Taxes0.130.170.170.310.070.070.060.35
Consolidated Net Income0.220.280.12-1.50-0.42-0.37-0.230.63
Net Income From Continuing Operations0.220.280.12-1.50-0.42-0.37-0.230.63
Net Income0.220.280.12-1.50-0.42-0.37-0.230.63
EPS (Recurring)0.010.010.00-0.05-0.02-0.01-0.010.02
EPS (Basic, Before Extraordinaries)0.010.010.00-0.05-0.02-0.01-0.010.02
EPS (Diluted)0.010.010.00-0.05-0.02-0.01-0.010.02
EBITDA0.610.660.45-0.71-0.030.070.26-0.05
Non-Operating Income (Expense)0.090.100.090.090.130.110.081.59
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.450.380.260.390.320.340.320.45
Price To Earnings Ratio----13.5512.5912.0814.79
Price To Sales Ratio-0.750.360.440.460.480.460.48
Gross Margin22.7322.9719.2919.4220.9523.4219.6021.93
Operating Margin1.171.590.89-5.66-2.19-1.99-1.09-2.93
Net Margin0.911.180.48-6.72-1.96-1.84-1.073.06
Shares Outstanding28.5128.5127.6727.7327.4026.4826.5326.61
Market Capitalization82.9268.4431.6337.1437.6240.7138.7139.61

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments7.438.067.165.717.265.012.1415.3419.78
Short Term Receivables5.276.555.564.374.982.861.271.321.12
Inventories0.460.400.420.510.430.180.000.000.00
Other Current Assets110.2480.1584.1076.82108.5961.0449.6444.2438.20
Total Current Assets123.4195.1697.2487.41121.2669.0953.0560.9159.10
Net Property, Plant & Equipment6.586.236.086.026.415.784.041.932.11
Total Investments and Advances0.000.000.000.000.000.000.000.000.00
Intangible Assets0.010.881.752.634.166.042.683.684.68
Deferred Tax Assets4.534.581.501.501.501.391.391.391.39
Other Assets0.360.360.360.360.350.370.400.310.16
Total Assets134.89107.21106.9397.91133.6882.6761.5668.2267.44
Short Term Debt Incl. Current Port. of LT Debt0.930.760.740.670.560.350.360.000.00
Accounts Payable0.881.261.030.861.400.850.420.310.30
Income Tax Payable0.330.470.290.320.300.130.100.080.05
Other Current Liabilities111.8882.4587.1679.77110.2162.1450.8458.1153.97
Total Current Liabilities114.0284.9589.2381.62112.4663.4751.7158.5054.31
Long Term Debt2.963.112.642.352.552.502.280.000.00
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Other Liabilities0.000.000.000.000.000.000.000.080.00
Total Liabilities116.9888.0591.8783.98115.0165.9653.9958.5854.31
Non-Equity Reserves0.000.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity17.9119.1615.0713.9318.6716.707.579.6313.12
Total Shareholders Equity17.9119.1615.0713.9318.6716.707.579.6313.12
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity17.9119.1615.0713.9318.6716.707.579.6313.12
Total Liabilities & Stockholders Equity134.89107.21106.9397.91133.6882.6761.5668.2267.44
Book Value Per Share0.650.720.570.560.730.670.440.600.81
Tangible Book Value Per Share0.650.690.510.450.570.430.290.370.52
Full-Time Employees10710712611710889514333
Price to Book Ratio4.422.103.052.985.953.993.532.763.03
Return on Assets-2.083.09-0.46-4.74-0.30-4.03-7.88-5.57-4.39
Return on Equity-13.5519.32-3.28-33.64-1.82-23.95-59.48-33.18-27.19
Return on Invested Capital-12.0414.85-2.68-33.66-1.52-15.14-51.95-39.19-22.93
Quick Ratio1.081.121.091.061.071.091.031.041.09
Current Ratio1.081.121.091.071.081.091.031.041.09

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Net Income-0.88-2.513.31-0.48-5.48-0.32-2.91-5.12-3.78
Depreciation1.401.952.262.082.742.641.522.021.88
Other Funds (Non Cash)1.531.712.112.072.091.681.511.441.30
Funds from Operations2.261.204.603.67-0.663.890.12-1.66-0.60
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital1.140.31-1.71-0.17-16.3825.906.17-2.080.17
Cash from Operating Activities3.401.512.903.51-17.0429.786.29-3.73-0.42
Capital Expenditures-3.33-1.54-0.99-0.83-0.81-1.27-0.86-0.65-0.70
Net Assets From Acquisitions0.000.000.000.000.000.00-5.910.000.00
Sale of Fixed Assets and Businesses0.000.000.050.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.000.000.00-
Sale Or Maturity of Investments0.000.000.000.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.000.01
Cash from Investing Activities-3.33-1.54-0.94-0.83-0.81-1.27-6.76-0.65-0.70
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock-0.68-0.98-1.31-0.46-1.340.769.981.72-0.98
Repurchase of Common Pref Stock-0.80-1.07-1.41-0.46-1.34-0.24-0.28-0.07-0.98
Sale of Common Pref Stock0.120.090.100.000.001.0010.261.790.00
Proceedsfrom Stock Options0.120.090.100.000.001.0010.261.790.00
Issuance or Reduction of Debt, Net0.640.64-0.11-0.06-0.050.130.000.000.00
Change in Long Term Debt0.640.64-0.11-0.06-0.050.130.000.000.00
Issuance of Long Term Debt0.870.790.000.000.000.170.810.000.00
Reduction of Long Term Debt-0.23-0.15-0.11-0.06-0.05-0.04-0.810.000.00
Net Financing Active Other Cash Flow14.4129.05-3.736.570.000.000.000.000.00
Other Financing Activities Uses-14.640.00-3.730.000.000.000.000.000.00
Cash from Financing Activities14.3828.72-5.146.06-1.400.899.981.72-0.98
Net Change in Cash14.4428.70-3.198.73-19.2529.409.51-2.66-2.11
Free Cash Flow0.14-0.021.902.67-17.8528.515.44-4.38-1.13
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow--20.5917.05-3.067.57--
Deferred Taxes & Investment Tax Credit-0.05-3.080.000.00-0.110.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments7.346.397.737.437.757.51
Short Term Receivables6.206.535.425.275.214.89
Inventories0.620.390.390.460.340.38
Other Current Assets89.3697.8793.75110.2474.7784.04
Total Current Assets103.52111.17107.29123.4188.0796.82
Net Property, Plant & Equipment9.257.848.076.586.166.15
Total Investments and Advances0.000.000.000.000.000.00
Intangible Assets0.010.010.010.010.230.45
Deferred Tax Assets4.384.404.464.534.584.58
Other Assets0.360.360.360.360.360.36
Total Assets117.51123.79120.19134.8999.40108.35
Short Term Debt Incl. Current Port. of LT Debt1.091.091.090.930.880.78
Accounts Payable1.100.971.280.880.840.63
Income Tax Payable0.360.250.580.330.240.16
Other Current Liabilities91.8999.1695.32111.8876.1285.34
Total Current Liabilities94.44101.4798.27114.0278.0786.92
Long Term Debt3.563.523.782.962.642.70
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities0.000.000.000.000.000.00
Total Liabilities97.99104.99102.05116.9880.7189.62
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity19.5218.7918.1417.9118.6918.73
Total Shareholders Equity19.5218.7918.1417.9118.6918.73
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity19.5218.7918.1417.9118.6918.73
Total Liabilities & Stockholders Equity117.51123.79120.19134.8999.40108.35
Book Value Per Share0.680.660.660.650.680.71
Tangible Book Value Per Share0.680.660.660.650.670.69
Full-Time Employees---107--
Price to Book Ratio4.423.781.761.992.012.14
Return on Assets-0.81-1.30-1.88-2.08-0.362.65
Return on Equity-4.58-8.04-11.61-13.55-2.0616.71
Return on Invested Capital0.941.260.56-7.17-1.95-1.71
Quick Ratio1.091.091.091.081.121.11
Current Ratio1.101.101.091.081.131.11

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Net Income0.220.280.12-1.50-0.42-0.37
Depreciation0.340.290.230.550.430.46
Other Funds (Non Cash)0.630.090.350.470.400.43
Funds from Operations1.210.710.76-0.420.420.53
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital1.84-1.400.180.52-0.11-0.80
Cash from Operating Activities3.05-0.690.950.100.30-0.26
Capital Expenditures-1.93-0.40-0.61-0.40-0.39-0.43
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-1.93-0.40-0.61-0.40-0.39-0.43
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-0.06-0.12-0.22-0.28-0.03-0.33
Repurchase of Common Pref Stock-0.13-0.14-0.23-0.30-0.06-0.36
Sale of Common Pref Stock0.060.020.010.020.030.03
Proceedsfrom Stock Options0.060.020.010.020.030.03
Issuance or Reduction of Debt, Net0.23-0.07-0.040.530.19-0.04
Change in Long Term Debt0.23-0.07-0.040.530.19-0.04
Issuance of Long Term Debt0.310.000.000.570.230.00
Reduction of Long Term Debt-0.08-0.07-0.04-0.04-0.04-0.04
Net Financing Active Other Cash Flow-7.894.13-16.8134.99-9.14-0.75
Other Financing Activities Uses-7.894.13-16.815.93-5.930.00
Cash from Financing Activities-7.723.94-17.0735.23-8.98-1.11
Net Change in Cash-6.612.85-16.7434.93-9.06-1.81
Free Cash Flow1.57-0.830.55-1.150.09-0.02
Price to Free Cash Flow----3.376.27

Revenue breakdown

ACH and Complementary Service Interest2024: 789.72K 2025: 745.25K
Automated Cleaning House and Complementary Service2024: 16.68M 2025: 22.20M
Credit Card2024: 29.27M 2025: 30.01M
Output Solutions2024: 20.62M 2025: 20.65M
Output Solutions Interest2024: 150.93K 2025: 170.95K
Prepaid Card Services2024: 14.08M 2025: 11.00M
Prepaid Card Services Interest2024: 1.35M 2025: 615.44K
United States2024: 82.93M 2025: 85.39M
Merchant Services2024: 62.16M 2025: 64.58M
Output Solutions2024: 20.77M 2025: 20.82M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-300.23%0.0M18.0M344.08K
2026-10-150.28%0.0M18.0M343.73K
2026-09-300.36%0.1M18.0M341.45K
2026-09-150.30%0.1M18.0M334.39K
2026-08-310.36%0.1M17.6M300.12K
2026-08-140.28%0.1M19.6M244.79K
2026-07-310.35%0.1M19.0M145.88K
2026-07-150.40%0.1M19.0M112.46K
2026-06-300.27%0.1M19.0M93.79K
2026-06-150.27%0.1M19.1M74.39K
2026-05-290.16%0.0M19.5M66.41K
2026-05-150.37%0.1M19.5M52.50K
2026-04-300.03%0.0M19.6M39.05K
2026-04-150.03%0.0M19.6M45.97K
2026-03-310.05%0.0M19.6M49.24K
2026-03-130.03%0.0M19.6M53.10K
2026-02-270.10%0.0M19.3M52.59K
2026-02-130.07%0.0M19.3M56.21K
2026-01-300.10%0.0M19.3M59.77K
2026-01-150.08%0.0M19.3M60.53K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call2.500.050.150.051.5783794110.422-0.0130.001
call5.000.000.050.023.3841190.000.107-0.0120.001
call7.500.000.750.004.4300.000.000.088-0.0140.001
put2.500.050.450.302.26210436.00-0.583-0.0130.001
put5.002.353.100.006.4110.000.00-0.893-0.0120.001
put7.504.705.700.008.5340.000.00-0.912-0.0130.001

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-108-KCurrent report2026-11-10SEC
2026-11-1010-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-198-KCurrent report2026-10-19SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-264Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-08-25SCHEDULE 13GSEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-254Statement of changes in beneficial ownership of securities2026-08-21SEC
2026-08-128-KCurrent report2026-08-12SEC
2026-08-1210-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-06-234Statement of changes in beneficial ownership of securities2026-06-21SEC
2026-06-234Statement of changes in beneficial ownership of securities2026-06-21SEC
2026-06-234Statement of changes in beneficial ownership of securities2026-06-21SEC
2026-06-234/A2026-06-21SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-21SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-21SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-21SEC
2026-06-224Statement of changes in beneficial ownership of securities2026-06-21SEC
2026-06-178-KCurrent report2026-06-17SEC
2026-06-168-K/A2026-06-10SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-11SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-11SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-11SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-11SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-11SEC
2026-06-154Statement of changes in beneficial ownership of securities2026-06-11SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030037.19K4
2026-020000
2026-010086.39K10
2025-120000
2025-110000

Institutional holders

Manager% owned
WHITTIER TRUST CO9.83%
VANGUARD CAPITAL MANAGEMENT LLC3.32%
RENAISSANCE TECHNOLOGIES LLC1.58%
Stonebridge Wealth Management, LLC0.98%
PERKINS CAPITAL MANAGEMENT INC0.93%
GEODE CAPITAL MANAGEMENT, LLC0.71%
North Star Investment Management Corp.0.63%
BlackRock, Inc.0.41%
VANGUARD FIDUCIARY TRUST CO0.38%
Rothschild Wealth LLC0.29%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.64%
Jacob Discovery Fund1.33%
North Star Micro Cap Fund0.63%
VANGUARD EXTENDED MARKET INDEX FUND0.61%
Fidelity Extended Market Index Fund0.35%
iShares Micro-Cap ETF0.24%
Ultra-Small Company Market Fund0.22%
Fidelity Series Total Market Index Fund0.10%
Fidelity Total Market Index Fund0.08%
VANGUARD BALANCED INDEX FUND0.05%

OakChart. USIO. Cached 15 minutes.

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