Usio (NASDAQ:USIO) Issues Quarterly Earnings Results

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

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 Price Performance

Shares of NASDAQ USIO traded down $0.09 during midday trading on Thursday, reaching $1.12. 113,788 shares of the stock traded hands, compared to its average volume of 45,228. The company’s 50 day moving average is $1.34 and its 200 day moving average is $1.40. Usio has a one year low of $1.03 and a one year high of $2.02. The company has a debt-to-equity ratio of 0.03, a current ratio of 1.13 and a quick ratio of 1.12. The stock has a market capitalization of $30.64 million, a PE ratio of -57.00 and a beta of 1.28.

Institutional Investors Weigh In On Usio

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

Analyst Ratings Changes

Several equities analysts have recently commented on USIO shares. Zacks Research upgraded shares of Usio from a “strong sell” rating to a “hold” rating in a research report on Tuesday, January 13th. Weiss Ratings reiterated a “sell (d)” rating on shares of Usio in a research note on Monday, December 29th. One equities research analyst has rated the stock with a Buy rating, one has assigned a Hold rating and two have given a Sell rating to the stock. According to data from MarketBeat.com, Usio presently has a consensus rating of “Reduce” and a consensus 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.