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Usio (USIO)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
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Usio Balance Sheet 2025-2009 | USIO
Brief overview of Usio's financial position
The balance sheet is assessed across five available annual reports spanning 2021 to 2025.
The size of the balance sheet remained broadly stable, moving from $133.7 million to $134.9 million. There was no meaningful expansion.
Liabilities followed the scale of the balance sheet: +1.7% versus +0.9% for assets. Leverage did not change materially.
Internal capital represents 13.3% of the balance sheet versus 14% five periods ago. The cushion is thin.
Cash exceeds interest-bearing debt, producing net debt of -$5.7 million. The balance sheet therefore carries a net cash position.
The cash reserve occupies 5.5% of the balance sheet, previously 5.4%. It is one marker of short-term resilience.
The balance sheet carries negative retained earnings of -$70.5 million. The figure may result from accumulated losses or an active capital return policy.
What the balance sheet shows
Usio's balance sheet presents a mixed picture: strengths coexist with a limited cushion. Future capital and debt trends are particularly important.
Annual Balance Sheet Usio
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-5.72 M | -6.87 M | -5.8 M | -5.08 M | -6.68 M | -2.17 M | 498 K | -2.7 M | -4.8 M | -4.12 M | -4.06 M | -55 M | -26.6 M | -3.76 M | -3.16 B | - | - |
Long Term Debt |
1.07 M | 572 K | 719 K | 15 K | 71.4 K | 2.5 M | - | - | - | - | - | - | - | - | 522 M | - | - |
Long Term Debt Current |
640 K | 613 K | 634 K | 617 K | 504 K | 347 K | 356 K | - | - | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
- | - | - | - | - | 2.5 M | 2.28 M | 79.7 K | - | - | - | - | - | - | 522 M | - | - |
Total Current Liabilities |
114 M | 84.9 M | 89.2 M | 81.6 M | 112 M | 63.5 M | 51.7 M | 58.5 M | 54.3 M | 60.5 M | 59.2 M | 54.1 M | 26.9 M | 3.02 M | 4.3 M | 2.12 M | - |
Total Liabilities |
117 M | 88.1 M | 91.9 M | 84 M | 115 M | 66 M | 54 M | 58.6 M | 54.3 M | 60.5 M | 59.2 M | 54.1 M | 26.9 M | 3.02 M | 4.91 B | - | - |
Deferred Revenue |
- | - | - | - | 17.6 K | 1.37 M | 124 K | 20 K | - | - | - | - | - | 3.88 K | 4.35 M | 23 K | - |
Retained Earnings |
-70.5 M | -68 M | -71.3 M | -70.9 M | -65.4 M | -65.1 M | -62.2 M | -57 M | -53.3 M | -50.3 M | -49.1 M | -50.1 M | -53.9 M | -53.1 M | - | -54.7 M | - |
Total Assets |
135 M | 107 M | 107 M | 97.9 M | 134 M | 82.7 M | 61.6 M | 68.2 M | 67.4 M | 69.5 M | 68.4 M | 61.1 M | 27.5 M | 5.16 M | 4.91 B | 1.98 M | - |
Cash and Cash Equivalents |
7.43 M | 8.06 M | 7.16 M | 5.71 M | 7.26 M | 5.01 M | 2.14 M | 2.16 M | 4.8 M | 4.12 M | 4.06 M | 2.8 M | 26.6 M | 3.76 M | 3.68 M | 979 K | 566 K |
Book Value |
17.9 M | 19.2 M | 15.1 M | 13.9 M | 18.7 M | 16.7 M | 7.57 M | 9.63 M | 13.1 M | 9.01 M | 9.12 M | 7.02 M | 639 K | 2.14 M | - | 1.98 M | - |
Total Shareholders Equity |
17.9 M | 19.2 M | 15.1 M | 13.9 M | 18.7 M | 16.7 M | 7.57 M | 9.63 M | 13.1 M | 9.01 M | 9.12 M | 7.02 M | 639 K | 2.14 M | 611 K | -134 K | -885 K |
Annual performance
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All numbers in USD currency
Quarterly Balance Sheet Usio
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
1.89 M | 988 K | 2.53 M | 595 K | 495 K | 533 K | 572 K | 563 K | 597 K | 631 K | 719 K | - | - | - | 15 K | 28.9 K | 55.7 K | 57.4 K | 71.4 K | 85.3 K | 99.1 K | 113 K | - | - | - | 2.5 M | 2.28 M | 2.28 M | 2.28 M | 2.28 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
117 M | 102 M | 88.1 M | 80.7 M | 89.6 M | 90.6 M | 88.1 M | 95.7 M | 93.1 M | 83.8 M | 91.9 M | 116 M | 106 M | 76.4 M | 84 M | 78.4 M | 66.6 M | 94.2 M | 115 M | 66.7 M | 60.1 M | 70.6 M | 66 M | 66 M | 66 M | 66 M | 54 M | 54 M | 54 M | 54 M | 58.6 M | 58.6 M | 58.6 M | 58.6 M | 54.3 M | 54.3 M | 54.3 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Deferred Revenue |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.41 K | 17.6 K | 30.9 K | 44.1 K | 57.4 K | 66.6 K | 66.6 K | 66.6 K | 66.6 K | 124 K | 124 K | 124 K | 124 K | 20 K | 20 K | 50 K | 90.2 K | - | - | - | - | - | - | 33 K | 12.5 K | - | - | - | - | - | - | - | - | - | 137 | 550 | 962 | 3.88 K | 3.88 K | 3.88 K | 3.88 K | 4.35 K | 4.35 K | 4.35 K | 4.35 K |
Retained Earnings |
-70.5 M | -70.4 M | -68 M | -69 M | -68.6 M | -68.3 M | -68 M | -68.7 M | -71.5 M | -71.6 M | -71.3 M | -71.4 M | -70.6 M | -70.8 M | -70.9 M | -70.7 M | -68.9 M | -67 M | -65.4 M | -65.4 M | -65.6 M | -65.8 M | -65.1 M | -65.1 M | -65.1 M | -65.1 M | -62.2 M | -62.2 M | -62.2 M | -62.2 M | -57 M | -57 M | -57 M | -57 M | -53.3 M | -53.3 M | -53.3 M | -53.3 M | -50.3 M | -50.3 M | -50.3 M | -50.3 M | -49.1 M | -49.1 M | -49.1 M | -49.1 M | -50.1 M | -50.1 M | -50.1 M | -50.1 M | -53.9 M | -53.9 M | -53.9 M | -53.9 M | -53.1 M | -53.1 M | -53.1 M | -53.1 M | -54.3 M | -54.3 M | -54.3 M | -54.3 M |
Total Assets |
135 M | 120 M | 107 M | 99.4 M | 108 M | 110 M | 107 M | 115 M | 109 M | 99.1 M | 107 M | 131 M | 121 M | 90.9 M | 97.9 M | 92.4 M | 82.2 M | 112 M | 134 M | 83.9 M | 76.9 M | 86.9 M | 82.7 M | 82.7 M | 82.7 M | 82.7 M | 61.6 M | 61.6 M | 61.6 M | 61.6 M | 68.2 M | 68.2 M | 68.2 M | 68.2 M | 67.4 M | 67.4 M | 67.4 M | 67.4 M | 69.5 M | 69.5 M | 69.5 M | 69.5 M | 68.4 M | 68.4 M | 68.4 M | 68.4 M | 61.1 M | 61.1 M | 61.1 M | 61.1 M | 27.5 M | 27.5 M | 27.5 M | 27.5 M | 5.16 M | 5.16 M | 5.16 M | 5.16 M | 4.91 M | 4.91 M | 4.91 M | 4.91 M |
Cash and Cash Equivalents |
87.6 M | 7.73 M | 90.8 M | 7.75 M | 7.51 M | 8.72 M | 8.06 M | 8.39 M | 7.5 M | 7.05 M | 7.16 M | 7.4 M | 6.58 M | 6.76 M | 5.71 M | 4.61 M | 5.1 M | 7.59 M | 7.26 M | 5.94 M | 5.61 M | 4.28 M | 5.01 M | 5.01 M | 5.01 M | 5.01 M | 2.14 M | 2.14 M | 2.14 M | 2.14 M | 2.16 M | 2.16 M | 2.7 M | 2.7 M | 4.61 M | 4.8 M | 4.8 M | 4.8 M | 4.12 M | 4.12 M | 4.12 M | 4.12 M | 4.06 M | 4.06 M | 4.06 M | 4.06 M | 2.8 M | 55 M | 55 M | 55 M | 834 K | 26.6 M | 26.6 M | 26.6 M | 3.76 M | 3.76 M | 3.76 M | 3.76 M | 3.68 M | 3.68 M | 3.68 M | 3.68 M |
Book Value |
17.9 M | 18.1 M | 19.2 M | 18.7 M | 18.7 M | 19 M | 19.2 M | 18.9 M | 15.7 M | 15.3 M | 15.1 M | 14.9 M | 15.1 M | 14.4 M | 13.9 M | 14 M | 15.6 M | 17.5 M | 18.7 M | 17.2 M | 16.8 M | 16.3 M | 16.7 M | 16.7 M | 16.7 M | 16.7 M | 7.57 M | 7.57 M | 7.57 M | 7.57 M | 9.63 M | 9.63 M | 9.63 M | 9.63 M | 13.1 M | 13.1 M | 13.1 M | 67.4 M | 69.5 M | 69.5 M | 69.5 M | 69.5 M | 68.4 M | 68.4 M | 68.4 M | 68.4 M | 61.1 M | 61.1 M | 61.1 M | 61.1 M | 27.5 M | 27.5 M | 27.5 M | 27.5 M | 5.16 M | 5.16 M | 5.16 M | 5.16 M | 4.91 M | 4.91 M | 4.91 M | 4.91 M |
Total Shareholders Equity |
19.2 M | 18.1 M | 15.1 M | 18.7 M | 18.7 M | 19 M | 19.2 M | 18.9 M | 15.7 M | 15.3 M | 15.1 M | 14.9 M | 15.1 M | 14.4 M | 13.9 M | 14 M | 15.6 M | 17.5 M | 18.7 M | 17.2 M | 16.8 M | 16.3 M | 16.7 M | 16.7 M | 16.7 M | 16.7 M | 7.57 M | 7.57 M | 7.57 M | 7.57 M | 9.63 M | 9.63 M | 9.63 M | 9.63 M | 13.1 M | 13.1 M | 13.1 M | 13.1 M | 9.01 M | 9.01 M | 9.01 M | 9.01 M | 9.12 M | 9.12 M | 9.12 M | 9.12 M | 7.02 M | 7.02 M | 7.02 M | 7.02 M | 639 K | 639 K | 639 K | 639 K | 2.14 M | 2.14 M | 2.14 M | 2.14 M | 611 K | 611 K | 611 K | 611 K |
Quarterly performance
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All numbers in USD currency
Balance Sheet is a fundamental financial report of Usio, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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