Usio Inc (USIO)
NASDAQ:USIO
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Earnings Data
Report Date
Aug 19, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
>-0.01Last Year’s EPS
-0.01Same Quarter Last Year
Moderate Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a strongly positive operational and top-line performance with multiple record metrics (revenue +16%, payment dollars +28%, transactions +22%) and broad-based business unit growth (ACH +25%, card +23%, Output accelerating). The company achieved profitability, positive operating cash flow, and demonstrated meaningful product and cross-sell momentum (PayFac dominance, RTP growth, PostCredit rollout). Headwinds include gross margin pressure from lower interest income and product mix, a modestly higher YoY overhead, and some segments (card issuing) down this quarter with ongoing implementation/execution risk. On balance, the positive achievements, record volumes, and strategic progress materially outweigh the noted issues.Company Guidance
Record Quarter: Revenue and Volume Growth
Total revenue increased 16% year-over-year to the highest quarterly revenue in company history; total payment dollars processed were up 28% and total payment transactions processed increased 22% (record processing and transaction volumes).
ACH and Complementary Services Outperformance
ACH and complementary services revenue grew 25% YoY with record transaction volumes and dollars processed; April was the best month ever for ACH transactions and ACH is positioned for a potentially record Q2.
Card Business Strength and PayFac Momentum
Card revenue rose 23% YoY to a record $9.7 million (all-time record quarterly revenue, transactions and dollar volume); PayFac now represents 78% of card revenues and has been growing at better than a 20% rate, driving sustainable card growth.
Output Solutions Acceleration
Output Solutions revenue growth accelerated to 19% in the quarter (from 8% last quarter); pieces mailed were up 31% and electronic documents processed/delivered were up 41% in Q1; April activity was up 50% YoY and Output added multiple new municipal and customer accounts.
Real-Time Payments (RTP) Rapid Adoption
RTP grew from ~2,000 transactions in January to over 200,000 transactions in a recent month (~100x increase), creating a new high-margin electronic volume stream and pulling some volume from PINless (PINless still growing >50%).
Prepaid and Card Issuing Progress
Prepaid implemented 27 new accounts in Q1 and processed over $80 million in card loads; card issuing signed a strategic partnership with a large regional bank and is on-track to support state-sponsored school choice voucher programs expected to distribute in excess of $1 billion (mix of card and ACH).
Profitability, Cash Flow and Capital Position
Company achieved positive adjusted EBITDA, positive GAAP net income (~$130,000), and positive operating cash flow; operating cash ended the quarter at >$7.7 million (up ~$300,000 since end of 2025); only one small term loan remains outstanding.
Strategic Product and Cross-Sell Momentum (Usio One & PostCredit)
Usio One cross-selling is producing measurable wins (examples converting disbursement clients into multi-product relationships); PostCredit platform implementation is progressing and expected to be market-ready soon, designed to simplify settlement and drive wallet-share gains.
USIO Earnings History
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 |
|---|---|---|---|
May 13, 2026 | $1.31 | $1.59 | +21.37% |
Mar 18, 2026 | $1.21 | $1.09 | -9.92% |
Nov 12, 2025 | $1.43 | $1.42 | -0.70% |
Aug 06, 2025 | $1.86 | $1.56 | -16.13% |
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 Aug 19, 2026, TBA (Confirmed).
What is Usio Inc (USIO) earnings time?
Usio Inc (USIO) earnings time is at Aug 19, 2026, 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 2026 (Q2) is >-0.01.