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Usio cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$828K in Q2 2026 · −$237K over twelve months

Operating cash flow−$694K
Capital spending−$134K
Free cash flow−$828K
Cash / net income-2.5×
Cash conversion cycle19 days

Analysis

In Q2 2026, Usio generated −$694K of operating cash flow and spent $134K on capital projects, leaving free cash flow of −$828K. That is $513K less than in Q2 2025 (−$315K).

Over the twelve months to Jun 30, 2026, operating cash flow was $656K; the largest uses were other investing ($906K), capital spending ($893K), buybacks ($729K); besides operations, cash came from other financing ($14.0M), shares issued ($86K); the cash balance rose by $12.0M.

Operating cash flow was −$694K against net income of $280K — -2.5× profit, less cash than reported earnings, worth checking against working capital. The largest differences: receivables −$884K, payables −$816K, stock-based pay +$483K.

Its cash conversion cycle was 19 days (receivables 23 + inventory 2 − payables 6).

Free cash flow

Usio: free cash flow by quarterUsio: free cash flow by quarter$1.4MQ3 2024$932KQ4 2024$1.4MQ1 2025−$315KQ2 2025$85KQ3 2025−$43KQ4 2025$549KQ1 2026−$828KQ2 2026
Operating cash flow less capital spending.
Usio: operating cash flow against capital spendingUsio: operating cash flow against capital spendingOperating cash flowCapital spending$1.4M$68KQ3 2024$1.0M$73KQ4 2024$1.4M$23KQ1 2025−$264K$51KQ2 2025$304K$219KQ3 2025$100K$142KQ4 2025$947K$398KQ1 2026−$694K$134KQ2 2026
Latest (Q2 2026): Operating cash flow −$694K, Capital spending $134K.

Capital allocation, year by year

Usio: where the cash came from (up) and went (down), by fiscal yearUsio: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksFY2021: Operating cash flow $29.8MFY2021: Net borrowing −$40KFY2021: Capital spending −$1.3MFY2021: Buybacks −$239K$29.8MFY2021FY2022: Operating cash flow −$17.0MFY2022: Net borrowing −$55KFY2022: Capital spending −$812KFY2022: Buybacks −$1.3MFY2022FY2023: Operating cash flow $3.5MFY2023: Net borrowing −$57KFY2023: Capital spending −$835KFY2023: Buybacks −$457K$3.5MFY2023FY2024: Operating cash flow $2.9MFY2024: Net borrowing −$107KFY2024: Shares issued $98KFY2024: Asset sales $48KFY2024: Capital spending −$196KFY2024: Buybacks −$1.4M$3.0MFY2024FY2025: Operating cash flow $1.5MFY2025: Net borrowing $645KFY2025: Shares issued $91KFY2025: Capital spending −$435KFY2025: Buybacks −$1.1M$2.2MFY2025
Over these 5 years operating cash flow totalled $20.7M; the largest uses were operating cash flow ($17.0M) and buybacks ($4.5M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$6.4M
Debt$1.3M
Net cash$5.1M
Due within a year$289K

Usio's operations bring cash in ($656K over twelve months), and it spends more than that on capital projects: a gap of $237K funded from its $6.4M of cash and investments and from borrowing ($1.3M of debt, $289K due within a year). That is a choice to invest, not a cash runway running down.

Usio: debt maturities by year (FY2025)Usio: debt maturities by year (FY2025)$289KYear 1$355KYear 2$380KYear 3$276KYear 4$63KYear 5
Principal due in each year as disclosed in the annual report, against $6.4M of cash and investments now.

Where the cash came from and went

Usio: sources (+) and uses (−) of cash, Q2 2026Usio: sources (+) and uses (−) of cash, Q2 2026Other financing$4.1MCash drawn (+) / kept (−)−$2.9MOperating cash flow−$694KOther investing−$261KBuybacks−$137KCapital spending−$134KNet borrowing (+) / repaid (−)−$72KShares issued$22K
Usio: sources (+) and uses (−) of cash, TTM to Q2 2026Usio: sources (+) and uses (−) of cash, TTM to Q2 2026Other financing$14.0MCash drawn (+) / kept (−)−$12.0MOther investing−$906KCapital spending−$893KBuybacks−$729KOperating cash flow$656KNet borrowing (+) / repaid (−)−$185KShares issued$86K

From profit to cash

Usio: net income to operating cash flow, Q2 2026Usio: net income to operating cash flow, Q2 2026Net income$280KDepreciation & amortization$286KStock-based pay$483KDeferred taxes$55KReceivables−$884KInventory$1KPayables−$816KPrepaid and other assets$80KOperating cash flow−$694K
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q2 2026232619
Q1 2026192516
Q4 2025222519
Q3 2025222420
Q2 2025222420
Q1 2025202516
Q4 2024212518
Q3 2024212419

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026−$694K−$134K−$137K−$72K$22K−$2.9M−$828K
Q1 2026$947K−$398K−$233K−$38K$14K$16.7M$549K
Q4 2025$100K−$142K−$301K$527K$20K−$34.9M−$43K
Q3 2025$304K−$219K−$58K−$37K$29K$9.1M$85K
Q2 2025−$264K−$51K−$357K−$36K$30K$1.8M−$315K
Q1 2025$1.4M−$23K−$352K−$36K$12K−$4.6M$1.4M
Q4 2024$1.0M−$73K−$1.0M−$36K$47K$9.1M$932K
Q3 2024$1.4M−$68K−$244K−$34K$40K−$3.4M$1.4M

Usio: income statement and cash flow

Usio, Q2 2026: revenue $23.7M (+19% year over year), operating margin 1.6%. The chart follows the revenue to costs, profit and cash.

Usio: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.