Usio Inc
NASDAQ:USIO
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Usio Inc
NASDAQ:USIO
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Usio Inc
USIO, Inc. engages in providing integrated payment solutions. The company is headquartered in San Antonio, Texas and currently employs 108 full-time employees. The firm provides integrated payment processing services to merchants and businesses, including all types of Automated Clearing House (ACH), processing, credit, prepaid card and debit card-based processing services. The firm develops and manages a range of Mastercard-branded prepaid card program types, including consumer reloadable, consumer gift, incentive, promotional, general and government disbursement and corporate expense cards. The firm offers customizable prepaid cards companies use for expense management, incentives, refunds, claims and disbursements, unique forms of compensation such as per diems. The firm also offers prepaid cards to consumers for use as a tool to stay on budget, manage allowances and share money with family and friends. The Company’s card-based processing services enable merchants to process both traditional card-present, tap-and-pay, or swipe transactions, as well as card-not-present transactions.
USIO, Inc. engages in providing integrated payment solutions. The company is headquartered in San Antonio, Texas and currently employs 108 full-time employees. The firm provides integrated payment processing services to merchants and businesses, including all types of Automated Clearing House (ACH), processing, credit, prepaid card and debit card-based processing services. The firm develops and manages a range of Mastercard-branded prepaid card program types, including consumer reloadable, consumer gift, incentive, promotional, general and government disbursement and corporate expense cards. The firm offers customizable prepaid cards companies use for expense management, incentives, refunds, claims and disbursements, unique forms of compensation such as per diems. The firm also offers prepaid cards to consumers for use as a tool to stay on budget, manage allowances and share money with family and friends. The Company’s card-based processing services enable merchants to process both traditional card-present, tap-and-pay, or swipe transactions, as well as card-not-present transactions.
Revenue: Total revenue finished the year up 3% and accelerated to 8% growth in Q4 versus the prior quarter, with product and service revenue (ex-interest) up 4% for the year.
ACH outperformance: ACH was the fastest-growing segment — revenue >30% in Q4 and full year, dollars processed up 22% for the year and PINless debit volume jumped 81%.
Card trends: Card revenue rose 7% in Q4 and 3% for the full year, driven by PayFac wins and record processing volumes and transactions.
Card issuing headwind: Card issuing declined (management cited a ~22% drop) largely from the indirect loss of a reseller’s amusement-card program that removed roughly $3M–$5M of revenue in 2025.
Cross-sell push (Usio ONE): Management is reorganizing sales and pursuing cross-selling (Usio ONE) to increase wallet share; several large signed deals are in implementation.
PostCredit strategic buy: Acquired PostCredit (paid $500,000 in stock) to launch a business-banking solution that should boost cross-sell and settlement activity later in 2026.
Financial position: Operating cash flow was $1.5 million; cash on hand ~ $7.5 million; share repurchases ~ $1.1 million in the year; company reported positive adjusted EBITDA and expects positive adjusted EBITDA in 2026.
Guidance: Management expects revenue growth of 10%–12% in fiscal 2026 and reiterated the intent to keep SG&A roughly flat while prioritizing high-return investments.
