Q3 2025 Usio Inc Earnings Call Transcript

Nov 12, 2025 / 09:30 PM GMT

Release Date Price: $1.43 (-2.72%)

Transcript 10-Q8-K

Key Points

Positve

Usio Inc (USIO) achieved record processing volumes in Q3 2025, with 7 quarterly processing volume records set, including a record quarterly overall transaction volume of 16.2 million, up 8% year over year.
The ACH business showed strong growth, with revenues up 30% from the previous year, marking the third consecutive quarter of growth.
The company reported positive profits and cash flow for the quarter, with operating cash flow at $1.4 million and cash reserves increasing by over $200,000 to $7.8 million.
Usio Inc (USIO) has a strong pipeline of new opportunities, with 16 new ISVs in various stages of implementation and significant progress on larger new implementations.
The company is focusing on recurring revenue, with most new and total revenue being recurring in nature, positioning it for sustained growth.

Negative

Total revenues were relatively unchanged from the year-ago quarter, impacted by continued weakness in card issuing and a decline in interest income.
Adjusted EBITDA decreased to $368,000 from $500,000 in the previous quarter and from a year ago.
The company faced challenges in card issuing, with sequential volume growth but profitability still needing improvement.
There is a dependency on external factors for implementation speed, which is outside of Usio Inc (USIO)'s control, potentially affecting the pace of revenue realization.
The federal government shutdown had an impact on potential business from state and local governments, with some programs being put on hold.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

USIO.OQ - Usio Inc
Q3 2025 Usio Inc Earnings Call
Nov 12, 2025 / 09:30PM GMT

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Presentation
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Unidentified_1 [1]
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Hello and welcome to the UCO 3rd quarter fiscal 2025 earnings conference call. All participants will be in a listen-only mode. After today's presentation, there'll be an opportunity to ask questions. Please note, today's event is being recorded. Now I would like to turn the conference over to your host, Paul Manley. Please go ahead, sir.

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Unidentified_2 [2]
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Thank you, operator. Good afternoon and thank you for joining UCO's 3rd quarter fiscal 2025 conference call. The earnings release, which we issued today after the market closed, is available on our website at UCO.com under

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