Usio Inc (USIO) - Net Assets
Based on the latest financial reports, Usio Inc (USIO) has net assets worth $18.69 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($99.40 Million) and total liabilities ($80.71 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check USIO strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $18.69 Million |
| % of Total Assets | 18.8% |
| Annual Growth Rate | 3.59% |
| 5-Year Change | 14.69% |
| 10-Year Change | 110.16% |
| Growth Volatility | 271.43 |
Usio Inc - Net Assets Trend (1999–2024)
This chart illustrates how Usio Inc's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see Usio Inc market capitalisation.
Annual Net Assets for Usio Inc (1999–2024)
The table below shows the annual net assets of Usio Inc from 1999 to 2024. Also explore net asset growth rate of Usio Inc to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $19.16 Million | +27.13% |
| 2023-12-31 | $15.07 Million | +8.14% |
| 2022-12-31 | $13.93 Million | -25.36% |
| 2021-12-31 | $18.67 Million | +11.77% |
| 2020-12-31 | $16.70 Million | +120.70% |
| 2019-12-31 | $7.57 Million | -21.44% |
| 2018-12-31 | $9.63 Million | -26.59% |
| 2017-12-31 | $13.12 Million | +45.63% |
| 2016-12-31 | $9.01 Million | -1.14% |
| 2015-12-31 | $9.12 Million | +29.77% |
| 2014-12-31 | $7.02 Million | +999.57% |
| 2013-12-31 | $638.80K | -70.13% |
| 2012-12-31 | $2.14 Million | +249.80% |
| 2011-12-31 | $611.31K | +555.15% |
| 2010-12-31 | $-134.31K | +84.82% |
| 2009-12-31 | $-884.51K | -140.46% |
| 2008-12-31 | $-367.85K | +1.99% |
| 2007-12-31 | $-375.32K | +33.59% |
| 2006-12-31 | $-565.16K | +15.91% |
| 2005-12-31 | $-672.10K | +7.20% |
| 2004-12-31 | $-724.23K | -440.44% |
| 2003-12-31 | $212.73K | +161.61% |
| 2002-12-31 | $-345.27K | -103.54% |
| 2001-12-31 | $9.75 Million | -11.43% |
| 2000-12-31 | $11.01 Million | +38.69% |
| 1999-12-31 | $7.94 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Usio Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 6226000200.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $198.32K | 1.04% |
| Other Components | $86.99 Million | 454.10% |
| Total Equity | $19.16 Million | 100.00% |
Usio Inc Competitors by Market Cap
The table below lists competitors of Usio Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Celularity Inc
NASDAQ:CELU
|
$36.05 Million |
|
Paragon Union Bhd
KLSE:9407
|
$36.05 Million |
|
Idex ASA
OL:IDEX
|
$36.05 Million |
|
Mas Murni Indonesia Tbk
JK:MAMI
|
$36.05 Million |
|
Glacier Media Inc.
TO:GVC
|
$36.05 Million |
|
SMCG Co., Ltd.
KQ:460870
|
$36.04 Million |
|
Bumyang Construction Co Ltd
KO:002410
|
$36.03 Million |
|
Monalisa
KO:012690
|
$36.03 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Usio Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 15,068,839 to 19,156,963, a change of 4,088,124 (27.1%).
- Net income of 3,305,497 contributed positively to equity growth.
- Share repurchases of 1,408,442 reduced equity.
- New share issuances of 97,663 increased equity.
- Other comprehensive income increased equity by 6,907,775.
- Other factors decreased equity by 4,814,369.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $3.31 Million | +17.25% |
| Share Repurchases | $1.41 Million | -7.35% |
| Share Issuances | $97.66K | +0.51% |
| Other Comprehensive Income | $6.91 Million | +36.06% |
| Other Changes | $-4.81 Million | -25.13% |
| Total Change | $- | 27.13% |
Book Value vs Market Value Analysis
This analysis compares Usio Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.18x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 0.21x to 3.18x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1999-12-31 | $10.95 | $2.27 | x |
| 2000-12-31 | $11.16 | $2.27 | x |
| 2001-12-31 | $8.12 | $2.27 | x |
| 2002-12-31 | $-0.25 | $2.27 | x |
| 2003-12-31 | $0.15 | $2.27 | x |
| 2004-12-31 | $-0.50 | $2.27 | x |
| 2005-12-31 | $-0.34 | $2.27 | x |
| 2006-12-31 | $-0.20 | $2.27 | x |
| 2007-12-31 | $-0.08 | $2.27 | x |
| 2008-12-31 | $-0.06 | $2.27 | x |
| 2009-12-31 | $-0.12 | $2.27 | x |
| 2010-12-31 | $-0.02 | $2.27 | x |
| 2011-12-31 | $0.07 | $2.27 | x |
| 2012-12-31 | $0.23 | $2.27 | x |
| 2013-12-31 | $0.10 | $2.27 | x |
| 2014-12-31 | $0.76 | $2.27 | x |
| 2015-12-31 | $0.76 | $2.27 | x |
| 2016-12-31 | $1.15 | $2.27 | x |
| 2017-12-31 | $1.46 | $2.27 | x |
| 2018-12-31 | $0.79 | $2.27 | x |
| 2019-12-31 | $0.58 | $2.27 | x |
| 2020-12-31 | $1.08 | $2.27 | x |
| 2021-12-31 | $0.93 | $2.27 | x |
| 2022-12-31 | $0.68 | $2.27 | x |
| 2023-12-31 | $0.75 | $2.27 | x |
| 2024-12-31 | $0.71 | $2.27 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Usio Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 17.25%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 3.99%
- • Asset Turnover: 0.77x
- • Equity Multiplier: 5.60x
- Recent ROE (17.25%) is above the historical average (-9.90%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1999 | -68.96% | -9872.20% | 0.01x | 1.18x | $-6.27 Million |
| 2000 | -181.79% | -3267.52% | 0.04x | 1.39x | $-21.11 Million |
| 2001 | -106.74% | -350.52% | 0.26x | 1.17x | $-11.38 Million |
| 2002 | 0.00% | -260.42% | 0.89x | 0.00x | $-10.92 Million |
| 2003 | 227.94% | 406.46% | 0.13x | 4.41x | $463.62K |
| 2004 | 0.00% | -423.57% | 0.86x | 0.00x | $-1.44 Million |
| 2005 | 0.00% | -101.27% | 1.75x | 0.00x | $-1.13 Million |
| 2006 | 0.00% | -55.35% | 4.19x | 0.00x | $-1.34 Million |
| 2007 | 0.00% | -56.70% | 8.19x | 0.00x | $-1.68 Million |
| 2008 | 0.00% | -31.47% | 4.94x | 0.00x | $-907.83K |
| 2009 | 0.00% | -24.96% | 2.77x | 0.00x | $-715.08K |
| 2010 | 0.00% | -17.72% | 1.32x | 0.00x | $-450.74K |
| 2011 | 57.56% | 7.31% | 0.98x | 8.03x | $290.72K |
| 2012 | 59.64% | 17.36% | 1.42x | 2.41x | $1.06 Million |
| 2013 | -123.52% | -15.23% | 0.19x | 43.09x | $-852.92K |
| 2014 | 54.64% | 28.65% | 0.22x | 8.70x | $3.14 Million |
| 2015 | 11.15% | 7.07% | 0.21x | 7.50x | $104.56K |
| 2016 | -13.28% | -9.91% | 0.17x | 7.71x | $-2.10 Million |
| 2017 | -22.93% | -20.65% | 0.22x | 5.14x | $-4.32 Million |
| 2018 | -39.19% | -15.09% | 0.37x | 7.08x | $-4.74 Million |
| 2019 | -67.59% | -18.14% | 0.46x | 8.13x | $-5.87 Million |
| 2020 | -17.40% | -9.01% | 0.39x | 4.95x | $-4.58 Million |
| 2021 | -1.72% | -0.52% | 0.46x | 7.16x | $-2.19 Million |
| 2022 | -39.35% | -7.90% | 0.71x | 7.03x | $-6.88 Million |
| 2023 | -3.15% | -0.58% | 0.77x | 7.10x | $-1.98 Million |
| 2024 | 17.25% | 3.99% | 0.77x | 5.60x | $1.39 Million |
Industry Comparison
This section compares Usio Inc's net assets metrics with peer companies in the Software - Infrastructure industry.
Industry Context
- Industry: Software - Infrastructure
- Average net assets among peers: $136,815,339
- Average return on equity (ROE) among peers: -10256.35%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Usio Inc (USIO) | $18.69 Million | -68.96% | 4.32x | $36.05 Million |
| ACI Worldwide Inc (ACIW) | $122.87 Million | 11.66% | 1.15x | $5.17 Billion |
| Aeva Technologies, Inc. Common Stock (AEVA) | $99.35 Million | -153.25% | 0.48x | $855.27 Million |
| Aeva Technologies, Inc. Common Stock (AEVA) | $25.09K | -76047.36% | 3.26x | $906.22 Million |
| Allied Gaming & Entertainment Inc. (AGAE) | $44.22 Million | -37.85% | 0.61x | $22.76 Million |
| Axe Compute Inc. (AGPU) | $-309.44K | 0.00% | 0.00x | $31.41 Million |
| C3 Ai Inc (AI) | $989.48 Million | -19.41% | 0.18x | $1.59 Billion |
| Bitzero Holdings Inc. (AIBZ) | $42.65K | -26761.63% | 1.01x | $228.21 Million |
| All In FutureTech Alliance Inc. (AIFA) | $87.90 Million | -12.31% | 0.11x | $12.82 Million |
| AI Financial Corporation (AIFC) | $2.31 Million | 476.46% | 19.27x | $72.76 Million |
| iLearningEngines, Inc. (AILE) | $22.26 Million | -19.80% | 1.11x | $59.29 Million |
About Usio Inc
Usio, Inc., together with its subsidiaries, provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of automated clearing house (ACH) processing for fund transfers; and credit, prepaid card, and debit card-based processing services. Its ACH transaction processing services include Represented Check and Check Conv… Read more