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Usio, Inc. USIO Q4 2025 Annual earnings

Reported March 18, 2026 · After market close

Revenue$22.2MMiss by $862.0K
EPS-$0.05Miss by $0.06
Revenue estimate$23.1M
EPS estimate$0.01

Next report

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

Financials

Q4 2025

Income statement

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Revenue$22.2M+8.2%
Gross profit$4.9M-3.8%
Operating income-$1.3M-109%
Net income-$1.5M-338%
EPS (diluted)-$0.05-350%

Balance sheet

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Cash & equivalents$7.4M-7.7%
Total debt$3.9M+0.6%
Total equity$17.9M-6.5%
Total assets$134.9M+25.8%

Cash flow

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Operating cash flow$99.6K-90.1%
CapEx$142.4K+93.8%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$37.14M-6.2%
Enterprise value$33.59M-5.2%
P/S0.4×0.0×

Profitability

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Gross margin23.1%-0.6pp
Operating margin-2.8%+3.5pp
Net margin-2.9%-6.9pp

Returns & leverage

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Return on equity-13.6%-32.9pp
Debt / equity0.2×0.0×
Current ratio1.1×0.0×

Segments

By product

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Credit Card Revenue$7.7M+6.8%
ACH And Complementary Service Revenue$6.1M+33.0%
Output Solutions$5.5M+5.6%
Prepaid Card Services Revenue$2.6M-15.6%
Ach And Complementary Service Interest Revenue$184.3K-1.1%

By segment

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Merchant Services$16.8M+9.0%

FAQ

When did Usio, Inc. report Q4 2025 earnings?
Usio, Inc. (USIO) reported Q4 2025 earnings on March 18, 2026 after market close.
What were Usio, Inc.'s Q4 2025 revenue and EPS?
Usio, Inc. reported revenue of $22.2M and eps of $-0.05 for Q4 2025.
Did Usio, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $23.1M by $862.0K. EPS missed the consensus estimate of $0.01 by $0.06.
How did Usio, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.0% from $20.6M a year earlier.
Where can I find Usio, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001437749-26-008836) and the 10-K periodic report (0001437749-26-008833) directly on SEC EDGAR. The filing index links above go to sec.gov.