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Usio, Inc. USIO Q3 2025 earnings

Reported November 12, 2025 · After market close

Revenue$21.2MMiss by $1.9MDiluted EPS-$0.02Miss by $0.03
Revenue estimate$23.1M
EPS estimate$0.01

Next report

Aug 5, 2026 (In 3 weeks)
Revenue estimate$23.7M
EPS estimate-$0.01

Financials

Q3 2025

Income statement

See full
Revenue$21.2M-0.7%
Gross profit$4.9M-0.5%
Operating income-$464.2K-23.2%
Net income-$415.1K-115%
EPS (diluted)-$0.02-120%

Balance sheet

See full
Cash & equivalents$7.7M-7.7%
Total debt$3.5M-9.3%
Total equity$18.7M-1.3%
Total assets$99.4M-13.3%

Cash flow

See full
Operating cash flow$303.8K-78.8%
CapEx$218.7K+219%
Free cash flow$85.2K-93.8%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$37.62M+4.3%
Enterprise value$33.4M+5.8%
P/S0.4×0.0×

Profitability

See full
Gross margin23.8%-0.3pp
Operating margin-2%+25.8pp
Net margin-0.5%-3.7pp

Returns & leverage

See full
Return on equity-2.1%-17.9pp
Debt / equity0.2×0.0×
Current ratio1.1×0.0×

Segments

By product

See full
Credit Card Revenue$7.4M+2.1%
ACH And Complementary Service Revenue$5.8M+35.8%
Output Solutions$4.9M-7.6%
Prepaid Card Services Revenue$2.8M-30.4%
Ach And Complementary Service Interest Revenue$160.3K-20.5%

By segment

See full
Merchant Services$16.3M+1.6%

Versus estimates

Revenue

Q1 2026$25.5MBeat by $2.3MQ4 2025$22.2MMiss by $862.0K
Q3 2025$21.2MMiss by $1.9M
Q2 2025$20.0MMiss by $2.4MQ1 2025$22.0MMiss by $40.4KQ4 2024$20.6MMiss by $536.8K

Diluted EPS

Q1 2026$0.00Beat by $0.01Q4 2025-$0.05Miss by $0.06
Q3 2025-$0.02Miss by $0.03
Q2 2025-$0.01In lineQ1 2025-$0.01Miss by $0.05Q4 2024$0.02Beat by $0.01

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Questions, answered.

When did Usio, Inc. report Q3 2025 earnings?
Usio, Inc. (USIO) reported Q3 2025 earnings on November 12, 2025 after market close.
What were Usio, Inc.'s Q3 2025 revenue and EPS?
Usio, Inc. reported revenue of $21.2M and diluted EPS of $-0.02 for Q3 2025.
Did Usio, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $23.1M by $1.9M. EPS missed the consensus estimate of $0.01 by $0.03.
How did Usio, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 0.7% from $21.3M a year earlier and diluted EPS grew 0.0% from $-0.02.
Where can I find Usio, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001437749-25-034426) and the 10-Q periodic report (0001437749-25-034425) directly on SEC EDGAR. The filing index links above go to sec.gov.