The earnings call reflected a mix of strong growth in the highly profitable ACH segment and positive cash flow, contrasted by challenges in card issuing and revenue declines due to implementation delays. While there were significant achievements, the impact of lost accounts and increased expenses weighed on the overall performance.

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, totaling $1.9 billion, primarily driven by a 19% increase in ACH processing and a 17% rise in PayFac volume. Despite a slight decline in total revenues, ACH revenues surged over 30% for the second consecutive quarter. The company also saw gross margins expand by 185 basis points to 25.8%, thanks to a mix of strong ACH growth and efficiency improvements. Adjusted EBITDA was reported at just over $500,000, and the company maintained a solid cash position, even after significant expenditures such as a large insurance renewal and $350,000 in share repurchases. Usio adjusted its revenue growth guidance to 5% to 12% for the year, factoring in customer implementation delays but remaining optimistic about continued positive adjusted EBITDA.

Strong Growth in ACH Revenue

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

Positive Adjusted EBITDA and Cash Flow

The company reported positive adjusted EBITDA of over $500,000 and robust cash generation, maintaining a strong cash position.

Improvement in Gross Margins

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

Usio ONE Initiative Success

The Usio ONE initiative led to several existing clients adding a second or third Usio product line, contributing to growth across various industries.

Output Solutions Performance

Output Solutions processed over 5.4 million mail pieces and delivered over 20 million electronic documents in Q2, with electronic documents offering higher profitability.

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