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Usio, Inc. USIO Q2 2026 earnings

Reported August 12, 2026 · After market close

Revenue$23.7MIn line
EPS$0.01Beat by $0.01
Revenue estimate$23.7M
EPS estimate-$0.00
The second quarter built upon a record start to the new year, with all of our key performance indicators showing sustained growth. I am particularly pleased with our bottom line, which we have been intently focused on improving, where Adjusted EBITDA was up 128% from a year ago and GAAP net income was approximately $0.3 million, or $0.01 per share. Revenue growth accelerated sequentially from the first quarter, up 19% versus the prior year period with all of Card, ACH and Output Solutions generating over 20% growth in the quarter. Total processing transactions set new records, led by 34% transaction growth in ACH during the quarter. Our financial condition and liquidity remain strong. Consequently, based on our extremely strong first half of the fiscal year and confidence in our new business opportunities, we have raised our expectations for our top line growth, with full year revenues now expected to be up 14 to 16% compared to the prior year, an increase from the previously expected 10 to 12%.
Louis Hoch

Next report

Nov 11, 2026 (in 2 months)
Revenue estimate$23.8M
EPS estimate$0.01

Financials

Q2 2026

Income statement

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Revenue$23.7M+18.6%
Gross profit$5.7M+11.4%
Operating income$376.9K+195%
Net income$280.1K+176%
EPS (diluted)$0.01+200%

Balance sheet

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Cash & equivalents$6.4M-14.9%
Total debt$4.6M+32.5%
Total equity$18.8M+0.3%
Total assets$123.8M+14.2%

Cash flow

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CapEx$134.1K+161%
Free cash flow-$828.2K

Valuation & ratios

Valuation

as of 08/27/26
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Market cap$82.92M+111%
Enterprise value$81.15M+131%
P/S0.9×+0.4×

Profitability

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Gross margin22.3%-1.5pp
Operating margin-1.2%-0.3pp
Net margin-1.6%-5.1pp

Returns & leverage

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Return on equity-8%-24.8pp
Debt / equity0.2×+0.1×
Current ratio1.1×0.0×

Segments

By product

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Credit Card Revenue$9.0M+27.7%
ACH And Complementary Service Revenue$6.3M+21.5%
Output Solutions$5.7M+22.0%
Prepaid Card Services Revenue$2.5M-10.0%
Prepaid Card Services Interest Revenue$112.5K-16.6%

By segment

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Merchant Services$18.0M+17.6%

FAQ

When did Usio, Inc. report Q2 2026 earnings?
Usio, Inc. (USIO) reported Q2 2026 earnings on August 12, 2026 after market close.
What were Usio, Inc.'s Q2 2026 revenue and EPS?
Usio, Inc. reported revenue of $23.7M and eps of $0.01 for Q2 2026.
Did Usio, Inc. beat estimates in Q2 2026?
Revenue beat the consensus estimate of $23.7M by $7.7K. EPS beat the consensus estimate of $-0.00 by $0.01.
How did Usio, Inc.'s Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 18.6% from $20.0M a year earlier.
Where can I find Usio, Inc.'s Q2 2026 SEC filings?
You can read the 8-K earnings release (0001437749-26-027301) and the 10-Q periodic report (0001437749-26-027300) directly on SEC EDGAR. The filing index links above go to sec.gov.