Usio, Inc. Earnings Recaps
Q1 2026
May 14, 2026
Usio's shares surged 21.1% post-earnings, driven by record revenue growth, significant gains in payment volumes, and positive adjusted EBITDA that outpaced expectations.
Key takeaways
- Revenue increased 16% year-over-year, hitting the highest quarterly revenue in company history.
- Total payments dollars processed rose 28%, with transactions up 22%, underscoring strong underlying volume growth.
- Card revenue led with a 23% increase, driven by PayFac representing 78% of card revenues and successful new enterprise account implementations.
- Margins declined due to reduced interest income (which carries 100% gross margin) and revenue mix effects; management expects eventual margin improvement.
- Operating cash flow remained positive at over $7.7 million, with overhead expenses modestly reduced sequentially, reflecting operating leverage.
Q3 2025
Nov 13, 2025
Usio delivered a strong third quarter in fiscal 2025, marked by record processing volumes and solid profits, positioning the company for a significant uptick in growth entering 2026.
Key takeaways
- Achieved record overall transaction volume of 16.2 million, up 8% year-over-year, evidencing robust demand across services.
- ACH business grew impressively by 30% year-over-year, contributing to improved margins and profitability.
- Adjusted EBITDA remained positive at $368,000, with operating cash flow of $1.4 million, highlighting continued financial stability.
- Significant progress in client implementations, with a growing pipeline that positions Usio well for future revenue growth.
- Ongoing investments in new technology and products, including innovative payment solutions, reinforce strategic momentum heading into 2026.