The earnings call highlighted significant growth in the ACH segment and improved margins, indicating operational efficiency. However, challenges remain with revenue declines in card issuing and implementation delays affecting overall revenue guidance.

Company Guidance -

Q3 2025

During Usio's Second Quarter Fiscal 2025 Earnings Conference Call, the company reported a 15% increase in total payment dollars processed, reaching $1.9 billion, with ACH processing up 19% and PayFac volume up 17%. Despite a slight decline in total revenues, the company saw a 30% rise in ACH revenues for the second consecutive quarter, contributing to a 185 basis point increase in gross margins to 25.8%. Adjusted EBITDA was positive at over $500,000, and the company maintained strong cash generation, ending the quarter with a robust cash position despite significant cash outlays. Usio adjusted its revenue growth guidance to 5% to 12% for the year due to delays in customer implementations. The company is leveraging its Usio ONE initiative to enhance client engagement across its product offerings, aiming to drive long-term profitability and growth.

ACH Revenue Growth

ACH revenue was up over 30% for the second consecutive quarter, with electronic check transaction volume up 33% and electronic check dollars processed up 19%.

PayFac Volume Increase

PayFac volume experienced a 17% increase, contributing to the overall growth in the second quarter.

Gross Margin Improvement

Gross margins widened by 185 basis points to 25.8%, driven by the strong performance of the ACH business and efficiency improvements.

Positive Adjusted EBITDA

The company reported another profitable quarter with adjusted EBITDA just over $500,000.

Strong Cash Generation

Cash generation remains a strength, with significant cash flow expected to increase liquidity over the year.

Usio (USIO) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

USIO Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 05, 2025	2025 (Q3)	<0.01 / -	0.1	―	―	―
Aug 06, 2025	2025 (Q2)	>-0.01 / -0.01	0	―	―
May 14, 2025	2025 (Q1)	0.01 / -0.01	-0.01	0.00% (0.00)	―
Mar 26, 2025	2024 (Q4)	>-0.01 / 0.02	0	―	―
Nov 06, 2024	2024 (Q3)	0.01 / 0.10	-0.04	350.00% (+0.14)	―
Aug 14, 2024	2024 (Q2)	>-0.01 / 0.00	0.01	―	―
May 15, 2024	2024 (Q1)	0.01 / -0.01	0	―	―
Mar 27, 2024	2023 (Q4)	>-0.01 / 0.00	-0.01	―	―
Nov 08, 2023	2023 (Q3)	-0.01 / -0.04	-0.09	55.56% (+0.05)
Aug 14, 2023	2023 (Q2)	0.00 / 0.01	-0.1	110.00% (+0.11)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

USIO Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 06, 2025	$1.86	$1.56	-16.13%
May 14, 2025	$1.56	$1.43	-8.33%
Mar 26, 2025	$1.59	$1.56	-1.89%
Nov 06, 2024	$1.40	$1.39	-0.71%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Usio Inc (USIO) report earnings?

Usio Inc (USIO) is schdueled to report earning on Nov 05, 2025, TBA (Confirmed).

What is Usio Inc (USIO) earnings time?

Usio Inc (USIO) earnings time is at Nov 05, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is USIO EPS forecast?

USIO EPS forecast for the fiscal quarter 2025 (Q3) is <0.01.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing