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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Usio
Usio (USIO) investor relations material
Usio Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary10 Nov, 2026
Executive summary
Q3 revenue rose 12% YoY to $23.8M; gross profit increased 18%, and Adjusted EBITDA rose 222% to $1.19M. GAAP net income was $217K versus a $415K loss.
For 9M 2026, revenue increased 15% to $72.9M and net income was $620K versus a $1.0M loss; Adjusted EBITDA rose to $3.11M from $1.54M.
Payment dollars processed rose 25% to $2.73B and transactions increased 27% to 20.7M; ACH transaction volume set a sixth consecutive quarterly record.
Financial highlights
Q3 operating income was $279K versus a $464K loss YoY; 9M operating income was $881K versus a $1.1M loss.
Q3 gross profit increased 18% to $5.7M; 9M gross profit rose 12% to $16.6M.
Q3 basic and diluted EPS were $0.01 versus $(0.02); 9M EPS was $0.02 versus $(0.04).
Outlook and guidance
Reiterated FY2026 revenue growth guidance of 14%–16% and expects record full-year Adjusted EBITDA.
Ion customer-fund settlement pilot is planned with a friendly customer; broader customer groups could be added in Q1 2027.
Harris implementations could contribute in 2027, subject to lengthy utility and government procurement, integration and conversion cycles.
New prepaid card contracts are being onboarded through 2026 and are expected to support meaningful revenue growth in 2027.
New presorting equipment is expected to scale in-house processing, improve postage rates and eliminate outsourced presorting fees.
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Latest events from Usio
- 1H 2026 revenue rose 17.1%, while FY26 growth guidance stands at 14–16%.USIO
Investor presentation - Ion, Harris and education programs underpin growth alongside improving H1 profitability.USIOPlanet MicroCap Showcase: Toronto 2026
- H1 growth and new platform partnerships bolster the outlook for operating leverage.USIOLD Micro 20th Annual Main Event Conference
- Integrated payments provider achieves rapid growth with high-margin ACH and scalable PayFac.USIOInvestor presentation
- Unified payments platform leverages flexibility and integration to drive scalable growth.USIOLytham Partners 2026 Consumer & Technology Investor Summit
- Q2 2026 revenue up 19% to $23.7M, net income positive, and guidance raised to 14%-16%.USIOQ2 2026
- Strong ACH and credit card growth offset prepaid declines; net loss of $0.4M in Q3 2025.USIOQ3 2025
- Innovative payment tech and recurring revenue streams drive growth and profitability.USIOThe MicroCap Rodeo Fall Conference 2024
- Record Q1 revenue of $22M and 34% volume growth driven by ACH and PayFac strength.USIOQ1 2025
Next Usio earnings date
Q4 202631 Mar, 2027
Usio
Next Usio earnings date
Q4 202631 Mar, 2027
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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.