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Usio (USIO) investor relations material
Usio Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Q3 2025 revenue was $21.2 million, down 1% year-over-year due to prepaid card and Output Solutions declines, but up over $1 million sequentially from Q2, with strong ACH and credit card growth.
Net loss for Q3 2025 was $(0.4) million, or $(0.02) per share, compared to net income of $2.9 million in Q3 2024, mainly due to the absence of prior year tax credits and higher SG&A expenses.
Adjusted EBITDA for Q3 2025 was $0.4 million (1.7% margin), down from $0.8 million (3.6% margin) in Q3 2024, reflecting higher SG&A and lower interest revenue.
Most new and total revenue is now recurring, marking a key milestone for the business.
Positive operating cash flow and a strong cash position were maintained, supporting ongoing share repurchases and M&A opportunities.
Financial highlights
Total payment transactions processed in Q3 2025 were 16.2 million, up 27% year-over-year, with $2.18 billion in payment dollars processed, up 8%.
Gross profit for Q3 2025 was $4.87 million, flat year-over-year, with a gross margin of 23.0%.
Operating cash flow for Q3 2025 was $1.4 million, with cash and cash equivalents at $7.7 million at quarter end.
SG&A expenses increased to $4.5 million in Q3 2025, up from $4.1 million in Q3 2024.
Over $760,000 was used for share repurchases year-to-date, with $3 million remaining authorized.
Outlook and guidance
Management expects second half 2025 results to exceed first half, with sequential recurring revenue growth and record processing volumes positioning for top-line growth in Q4 and full year 2025.
Card Issuing is expected to rebound as large account comps roll off, and a large enterprise card customer implementation is underway.
Cash growth is anticipated to continue, supporting organic expansion and potential acquisitions.
Productivity from the Usio One initiative is expected to accelerate through 2026.
Available cash and credit facilities are considered sufficient to meet obligations for at least the next 12 months.
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Frequently asked questions
Usio Inc. provides integrated electronic payment solutions for businesses and government agencies. The company offers services including payment processing, prepaid card issuance, ACH transfers, and software for billing and disbursement. Its platform supports various industries with digital financial transaction infrastructure. The company is headquartered in San Antonio, Texas, and its shares are listed on the NASDAQ.
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