Usio (NASDAQ:USIO) Posts Earnings Results, Misses Estimates By $0.06 EPS

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

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

NASDAQ:USIO traded down $0.09 during trading hours on Thursday, hitting $1.12. 113,788 shares of the stock traded hands, compared to its average volume of 45,228. The company has a market cap of $30.64 million, a price-to-earnings ratio of -57.00 and a beta of 1.28. Usio has a 1 year low of $1.03 and a 1 year high of $2.02. The stock has a 50 day moving average price of $1.34 and a 200 day moving average price of $1.40. The company has a quick ratio of 1.12, a current ratio of 1.13 and a debt-to-equity ratio of 0.03.

Analyst Ratings Changes

USIO has been the topic of several analyst reports. Weiss Ratings reiterated a “sell (d)” rating on shares of Usio in a research note on Monday, December 29th. Zacks Research upgraded Usio from a “strong sell” rating to a “hold” rating in a research report on Tuesday, January 13th. One research analyst has rated the stock with a Buy rating, one has assigned a Hold rating and two have issued a Sell rating to the company. Based on data from MarketBeat, Usio currently has a consensus rating of “Reduce” and an average target price of $4.00.

Institutional Inflows and Outflows

A number of large investors have recently modified their holdings of the company. Osaic Holdings Inc. increased its stake in Usio by 246.1% in the 2nd quarter. Osaic Holdings Inc. now owns 28,353 shares of the company’s stock worth $43,000 after buying an additional 20,161 shares in the last quarter. Goldman Sachs Group Inc. raised its holdings in Usio by 34.6% during the first quarter. Goldman Sachs Group Inc. now owns 59,692 shares of the company’s stock valued at $87,000 after acquiring an additional 15,334 shares during the period. Citadel Advisors LLC lifted its position in shares of Usio by 103.7% in the third quarter. Citadel Advisors LLC now owns 78,493 shares of the company’s stock valued at $111,000 after acquiring an additional 39,959 shares in the last quarter. Scoggin Management LP bought a new position in shares of Usio in the third quarter worth about $114,000. Finally, Rothschild Wealth LLC bought a new position in shares of Usio in the fourth quarter worth about $563,000. Hedge funds and other institutional investors own 20.23% of the company’s stock.

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.