USBC, Inc. (USBC) AI Stock Analysis
USBC AI stock analysis summary
AI ResearchUSBC, Inc. is a digital financial technologies company operating across digital assets, banking solutions, and non-invasive health monitoring research. The company generated $0 in revenue over the trailing twelve months ended June 30, 2026, alongside an operating margin of 0.0%. Its market capitalization stands at $170.1M, with shares down 45.7% over the past year.
- Market cap
- $170.1M
- Revenue (TTM)
- $0
- P/E
- 0.2x
- 1Y return
- -45.7% S&P 500 16.8%
- Avg. target
- —
Bull case
- The company posted positive earnings surprises in all of its last 4 quarters.
- USBC trades at a trailing price-to-earnings multiple of 0.2x, below the median of 28.1x for US-listed Technology peers.
- The stock price of $0.44 sits 4.2% above its 200-day moving average as of October 16, 2026.
Bear case
- USBC generated $0 in revenue over the trailing twelve months ended June 30, 2026.
- Shares have declined 99.6% over the trailing 5-year period, underperforming the S&P 500 gain of 83.0%.
- Short-term liquidity is constrained, indicated by a current ratio of 0.23 as of June 30, 2026.
What USBC does
USBC, Inc., together with its subsidiaries, operates in the digital financial technologies business in the United States. The company develops transformative financial services, including digital assets, banking solutions, and non-invasive health monitoring research. It serves retail users, fintech partners, and institutional counterparties. Formerly known as Know Labs, Inc., the company changed its name to USBC, Inc. in August 2025. USBC was incorporated in 1998, is based in Reno, Nevada, and employs 16 people.
Growth and profitability
USBC reported revenue of $4.4M in FY2022, rising 3475.6% from $121,939 in FY2020. Over the 5-year period from FY2016 to FY2022, revenue contracted at a compound annual growth rate of -6.3%. Operating margin stood at -46.4% in FY2017, worsened to -5597.8% in FY2020, and was -288.4% in FY2022. Net income was -$3.9M in FY2017, -$13.6M in FY2020, and -$20.1M in FY2022, yielding an EPS of -$0.29 in FY2022. For the trailing twelve months ended June 30, 2026, revenue was $0, with an operating margin of 0.0% and an EPS of $2.34.
Balance sheet and cash flow
As of June 30, 2026, USBC held $3.0M in cash and short-term investments against total debt of $15.2M, resulting in net debt of $12.2M. Shareholders' equity was $46.4M, with total assets of $66.5M and a current ratio of 0.23. The debt-to-equity ratio was 0.33. Operating cash flow in FY2022 was -$6.9M, with free cash flow of -$7.8M. In FY2025, capital expenditures totaled $2, share buybacks were $514,067, and dividends paid reached $2.23B.
Valuation and performance
USBC shares closed at $0.44 on October 16, 2026, with an enterprise value of $205.7M. The stock trades at a trailing price-to-earnings ratio of 0.2x and a price-to-book ratio of 4.2x. In comparison, the median of its US-listed Technology peers trades at a trailing price-to-earnings multiple of 28.1x, a forward multiple of 18.8x, and a price-to-sales ratio of 2.8x. Over the past year, USBC returned -45.7%, trailing the S&P 500 (SPY) return of 16.8%, and delivered a 5-year return of -99.6% compared to 83.0% for the index.
What analysts expect
Wall Street analyst coverage details, consensus price targets, and forward estimates are not provided for USBC. In its earnings track record, the company achieved 4 EPS beats over the last 4 quarters. The stock traded at $0.44 on October 16, 2026, representing a 4.2% premium over its 200-day moving average and sitting between its 52-week low of $0.29 and 52-week high of $1.29.
Key risks and what to watch
- The current ratio of 0.23 as of June 30, 2026, indicates that short-term obligations exceed liquid assets.
- A net debt position of $12.2M with just $3.0M in cash creates refinancing and balance sheet pressure.
- Historical operations show consistent cash burn, including operating cash flow of -$6.9M in FY2022.
- The company's 5-year revenue CAGR through FY2022 was -6.3%, accompanied by zero trailing revenue as of June 30, 2026.
AI-generated research summary. Written with AI from Quotelinks data as of October 16, 2026 and checked so every figure matches that data. For information only, not investment advice. Disclaimer
About this USBC AI stock analysis
This page is an AI-written research summary of USBC, Inc. (USBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.
Related: USBC income statement, USBC balance sheet, USBC key metrics, USBC chart. See the USBC stock overview for the latest quote and news.
USBC AI stock analysis FAQ
What is USBC, Inc.'s core business?
USBC, Inc. develops digital financial technologies, including digital asset infrastructure, banking solutions, and non-invasive health monitoring research. It caters to retail users, fintech partners, and institutional clients.
How did USBC perform over the past year compared to the broader market?
USBC delivered a 1-year return of -45.7% through October 16, 2026. Over the same period, the S&P 500 generated a return of 16.8%.
What is USBC's current debt and cash position?
As of June 30, 2026, the company held $3.0M in cash and short-term investments alongside total debt of $15.2M, resulting in net debt of $12.2M.
How does USBC's valuation compare to its peer group?
USBC trades at a trailing P/E of 0.2x and a price-to-book of 4.2x. The median for its US-listed Technology peers is a trailing P/E of 28.1x and a price-to-sales ratio of 2.8x.