Usio (NASDAQ:USIO) Issues Quarterly Earnings Results

Usio (NASDAQ:USIO) posted its earnings results on Wednesday. The company reported ($0.05) earnings per share for the quarter, missing analysts’ consensus estimates of $0.01 by ($0.06), Zacks reports. Usio had a negative net margin of 0.46% and a negative return on equity of 2.05%. The company had revenue of $22.24 million for the quarter, compared to analysts’ expectations of $23.06 million.

Here are the key takeaways from Usio’s conference call:

• Record 2025 processing — revenues rose sequentially and year-over-year (Q4 growth accelerated to 8%), full-year revenue +3%, total dollars processed +19% and transactions +30%, led by ACH and Card.
• ACH outperformance — ACH revenue grew >30% in Q4 and 33% for the year, with pinless debit volume up ~81% and management expecting Q1 to set new ACH/pinless records.
• Card/PayFac momentum and Usio One — Card processing hit all-time volume and transaction highs, PayFac and cross-selling initiatives (Usio One) are producing a growing implementation pipeline of recurring revenue opportunities.
• Card Issuing weakness — Card Issuing was down (management cited a ~22% decline in the division) primarily from an indirect reseller acquisition of an amusement-park card program in 2025 that depressed results, though this should create easier 2026 comps.
• Financials and liquidity — the company has delivered positive adjusted EBITDA for three consecutive years and forecasts positive adjusted EBITDA in 2026, but operating cash flow was only $1.5M for the year and cash on hand is roughly $7.5M after buybacks and a $500k stock-funded acquisition.

Usio Stock Down 9.5%

NASDAQ:USIO traded down $0.12 during trading hours on Thursday, reaching $1.10. 138,390 shares of the company traded hands, compared to its average volume of 45,667. The company has a current ratio of 1.13, a quick ratio of 1.12 and a debt-to-equity ratio of 0.03. The business’s 50-day moving average price is $1.34 and its two-hundred day moving average price is $1.40. Usio has a 1 year low of $1.03 and a 1 year high of $2.02. The stock has a market capitalization of $29.90 million, a P/E ratio of -54.75 and a beta of 1.28.

Institutional Trading of Usio

Several institutional investors have recently bought and sold shares of USIO. Osaic Holdings Inc. lifted its stake in shares of Usio by 246.1% in the 2nd quarter. Osaic Holdings Inc. now owns 28,353 shares of the company’s stock worth $43,000 after purchasing an additional 20,161 shares during the period. Goldman Sachs Group Inc. grew its position in shares of Usio by 34.6% during the 1st quarter. Goldman Sachs Group Inc. now owns 59,692 shares of the company’s stock valued at $87,000 after acquiring an additional 15,334 shares during the period. Citadel Advisors LLC increased its stake in shares of Usio by 103.7% in the 3rd quarter. Citadel Advisors LLC now owns 78,493 shares of the company’s stock worth $111,000 after purchasing an additional 39,959 shares in the last quarter. Scoggin Management LP bought a new position in Usio in the 3rd quarter worth $114,000. Finally, Rothschild Wealth LLC purchased a new position in Usio during the fourth quarter valued at $563,000. 20.23% of the stock is owned by hedge funds and other institutional investors.

Wall Street Analyst Weigh In

Several analysts have issued reports on USIO shares. Weiss Ratings reiterated a “sell (d)” rating on shares of Usio in a research note on Monday, December 29th. Zacks Research raised shares of Usio from a “strong sell” rating to a “hold” rating in a research note on Tuesday, January 13th. One analyst has rated the stock with a Buy rating, one has given a Hold rating and two have given a Sell rating to the company’s stock. According to data from MarketBeat, Usio presently has an average rating of “Reduce” and an average price target of $4.00.

About Usio

Usio, Inc (NASDAQ: USIO) is a financial technology company that delivers integrated payment, transaction processing, and money services solutions. The company’s platform combines merchant acquiring, multi‐rail payment enablement and business management tools to support merchants, financial institutions and business partners in automating and securing electronic and cash‐based transactions.

Through its subsidiaries, Usio provides a broad range of products and services, including point-of-sale terminals, payment gateway services, automated teller machine (ATM) processing, bill payment, money order issuance, domestic and international money transfer and remittance solutions.