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.
Mixed Revenue Trends: Total revenue was down slightly due to weakness in card issuing and lower interest income, but ACH revenue grew over 30% for the second straight quarter.
Volume Growth: Total payment dollars processed rose 15% to $1.9 billion, led by a 19% increase in ACH and 17% growth in PayFac volume.
Margin Expansion: Gross margin improved by 185 basis points to 25.8%, driven by mix shift toward higher-margin ACH and efficiency gains.
Profitability: Usio posted another profitable quarter with adjusted EBITDA just over $500,000, and gross profit increased by $350,000 to $5.1 million.
Guidance Lowered: Revenue growth guidance for the year was revised down to 5%–12% due to customer implementation delays, but management affirmed continued positive adjusted EBITDA.
Output & New Programs: Output Solutions processed over 5.4 million mail pieces and secured new deals, while card issuing has 20 new programs in implementation—a company record.
Active Cash Use: The company continues to buy back shares and is seeing more M&A opportunities at attractive valuations.
