Usio, Inc.
USIO
Rank in Stocks
#20286
Usio, Inc., established in 1998 and headquartered in San Antonio, Texas, is a... Usio, Inc., established in 1998 and headquartered in San Antonio, Texas, is a company specializing in delivering comprehensive electronic payment solutions to a diverse client base of merchants and enterprises throughout the United States. The company's offerings encompass a broad spectrum of automated clearing house (ACH) processing options, in addition to services for credit, debit, and prepaid card transactions. Key ACH services include the electronic re-presentation of non-sufficient funds (NSF) consumer checks, known as "Represented Check," and the conversion of consumer paper checks into electronic payments for accounts receivable, termed "Accounts Receivable Check Conversion." Usio further provides merchant account services, facilitating the processing of card-based payments across major networks such as VISA, MasterCard, American Express, Discover, and JCB. These services are accessible through online terminals via a website or through physical terminals for retail operations. The firm has also developed a proprietary web-based platform that enables businesses to manage both one-time and recurring payments using e-checks or credit cards. Complementing this, an interactive voice response (IVR) telephone system is available, empowering companies to accept direct customer payments over the phone, also utilizing e-checks or credit cards. Usio is actively involved in the issuance of prepaid and incentive cards and operates a dedicated platform for core prepaid processing. Beyond its primary payment solutions, the company extends its services to include electronic bill presentment, document composition and decomposition, and comprehensive printing and mailing services. These additional offerings cater to various industry verticals, including utility providers and financial institutions. Its ACH products and services are primarily distributed through a network of resellers, while its prepaid card programs are marketed directly to governmental bodies, corporations, and consumers online. The company adopted its current name, Usio, Inc., in June 2019, having previously operated as Payment Data Systems, Inc.
Share Price
$3.07
Last synced: 2026-11-09
Market Cap
$87.48M
Change (1 day)
3.72%
Change (1 year)
108.84%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Usio, Inc. (USIO)
Category
Technology
Operating Margin for Usio, Inc. (USIO)
Operating Margin as of November 2026 TTM: -1.21%
According to Usio, Inc.'s latest financial reports, its current operating margin (TTM) is -1.21%. At the end of 2025 the company had an operating margin of -2.76%.
Operating Margin history for Usio, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | -1.21% | -56.16% |
| 2025 | -2.76% | 55.93% |
| 2024 | -1.77% | -24.03% |
| 2023 | -2.33% | -68.97% |
| 2022 | -7.51% | 2,904.00% |
| 2021 | -0.25% | -97.85% |
| 2020 | -11.65% | -35.10% |
| 2019 | -17.95% | 19.03% |
| 2018 | -15.08% | -22.55% |
| 2017 | -19.47% | 72.76% |
| 2016 | -11.27% | -271.28% |
| 2015 | 6.58% | -60.74% |
| 2014 | 16.76% | -214.95% |
| 2013 | -14.58% | -176.98% |
| 2012 | 18.94% | 144.39% |
| 2011 | 7.75% | -133.29% |
| 2010 | -23.28% | -20.44% |
| 2009 | -29.26% | -48.05% |
| 2008 | -56.32% | 10.52% |
| 2007 | -50.96% | 2.70% |
| 2006 | -49.62% | -64.27% |
| 2005 | -138.89% | -65.51% |
| 2004 | -402.69% | -74.38% |
| 2003 | -1,572.05% | 698.52% |
| 2002 | -196.87% | -45.71% |
| 2001 | -362.64% | -89.17% |
| 2000 | -3,348.18% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 17.98% | -114.86% |
US
|
|
| 15.75% | -113.02% |
IE
|
|
| 25.22% | -120.84% |
IN
|
|
| 20.54% | -116.98% |
IN
|
|
| 17.53% | -114.49% |
IN
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Usio, Inc.'s operating margin
What is Usio, Inc.'s operating margin?
Usio, Inc.'s operating margin is -1.21%, as of Nov 2026.
What was Usio, Inc.'s operating margin in 2025?
In 2025, Usio, Inc.'s operating margin was -2.76%, compared with -1.77% in 2024.
How has Usio, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Usio, Inc.'s operating margin was highest in 2021 (-0.25%) and lowest in 2020 (-11.65%).
How does Usio, Inc.'s operating margin compare with similar companies?
Usio, Inc.'s operating margin (-1.21%) is lower than that of all 5 similar companies listed above. The highest among them is Tata Consultancy Services Limited, with 25.22%.