Usio Announces Fourth Quarter and Full Year Financial Results

Core Insights - Usio, Inc. reported record full-year revenues and processing volume, with total processing volume reaching $8.4 billion, up 19% from 2024, and transactions processed increasing by 30% [1][2]. Financial Performance - For the fourth quarter of 2025, revenues were $22.2 million, an 8% increase from $20.6 million in the same period of 2024 [6][8]. - Full-year revenues for 2025 were $85.4 million, up 3% from $82.9 million in 2024 [12][15]. - ACH and complementary services saw a revenue growth of 33% for the year compared to 2024, while credit card revenue grew by 3% [3][13]. - Gross profit for the fourth quarter was $4.9 million, down 4% from $5.1 million in the same period of 2024, with gross margins at 21.9% compared to 24.6% in 2024 [8][14]. Operational Highlights - The company achieved strong revenue growth in its three largest business segments: ACH and complementary services, credit card, and output solutions [2][3]. - The ACH segment had record processing volume and transactions, contributing significantly to revenue growth [3][4]. - The company experienced a modest decline in gross margins due to product mix and decreased interest revenues [4][8]. Cash Flow and Investments - Usio generated strong cash flow, which was utilized for business investments and stock repurchases totaling $1.1 million in 2025 [4][11]. - The company reported a net loss of $2.5 million for 2025, compared to a net income of $3.3 million in 2024, largely due to increased SG&A expenses [15][10]. Future Outlook - For fiscal 2026, Usio expects revenue growth of 10-12% and continued positive Adjusted EBITDA, contingent on stable economic conditions [5].