Q4 2025 Usio Inc Earnings Call Transcript

Mar 18, 2026 / 08:30 PM GMT

Release Date Price: $1.21 (-3.20%)

Transcript 8-K10-K

Key Points

Positve

Usio Inc (USIO) reported record growth with an 8% increase in revenue for the fourth quarter and a 3% increase for the year.
The ACH segment was the fastest-growing, with revenue increasing more than 30% for both the quarter and the full year.
Usio Inc (USIO) set a record for total dollars processed, up 19%, and transactions processed, up 30%.
The company maintained a diversified customer base with no single client accounting for more than 10% of total revenue.
Usio Inc (USIO) delivered positive adjusted EBITDA for the third consecutive year and expects continued positive adjusted EBITDA in fiscal 2026.

Negative

Card issuing revenues were down in the quarter, although they improved relative to the third quarter.
The company faced a significant revenue impact due to the indirect acquisition of a reseller's amusement park card program.
Operating cash flow for the year was $1.5 million, down from the previous year.
SG&A expenses were roughly 10% for the year, reflecting ongoing investments in the business.
The company is cautious about its guidance due to potential surprises like large customer losses from M&A activities.

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

USIO.OQ - Usio Inc
Q4 2025 Usio Inc Earnings Call
Mar 18, 2026 / 08:30PM GMT

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Presentation
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Unidentified_1 [1]
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Hello and welcome to the UCO's 4th quarter and fiscal year 2025 earnings conference call. All participants will be in a listen-only mode. After today's presentation, there will be an opportunity to ask questions. Please note today's event is being recorded. I would now like to turn the conference over to your host, Mr. Paul Manley. Please go ahead, sir.

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Unidentified_2 [2]
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Thank you, operator. Good afternoon and welcome to UCO's 4th quarter in fiscal 2025 conference call. The earnings release, which we issued today after the market closed, is available on our website at UCO.com

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