Usio, Inc. (USIO) Earnings Call Transcripts

Usio, Inc.'s Latest Earnings Call - Q1 FY2026

In the first quarter of fiscal 2026, Usio, Inc. reported record revenues of $9.7 million, marking a 16% year-over-year increase. The company achieved positive adjusted EBITDA and net income of approximately $130,000, signaling strong operational performance. Management reiterated guidance for 10% to 12% revenue growth for the fiscal year, indicating confidence in sustaining momentum despite potential economic headwinds.

Reported metrics

Guidance from management

Management reiterated guidance for 10% to 12% revenue growth in fiscal 2026, while also anticipating continued positive adjusted EBITDA.

What management said

No. Barry, as I've said along, the last couple of years, our pipeline has been very robust. And fairly consistent across all of our business lines. As I said, we are entertaining more initial inquiries on a specific product, which leads to other opportunities at Usio. And that's been kind of a dynamic of Usio ONE. But with respect to quantifying the pipeline, it's -- there's total processing volume, there's billions ...

It does. And as I said in my remarks, it's been a nice combination of both enterprise and new additions to existing PayFac or ISV customers. It's been really a combination of both. But our legacy ISVs, as I said, continue to add merchants virtually every week. We're adding new ISVs that are also adding new merchants. And then when you add on top of those, these larger enterprise accounts that are less reliant on boar...

What analysts pressed on

Analysts expressed concerns about the pace of onboarding new merchants and the potential impact on future revenue growth. There were also inquiries regarding the sales funnel and the effectiveness of cross-selling initiatives across existing customers.

Main topics on the call

• Record Revenue Growth — Usio achieved record quarterly revenues of $9.7 million, up 16% year-over-year. Management noted, 'It was a record quarter for Usio with very strong growth, leading to record processing volumes and quarterly revenues.'
• Strong Performance in ACH and Card Services — ACH revenue grew 25% and Card revenue increased 23%, contributing significantly to overall growth. 'April was ACH's best-ever month for transactions processed,' indicating strong ongoing demand.
• Positive Adjusted EBITDA and Net Income — The company reported positive adjusted EBITDA and net income of approximately $130,000, reflecting effective cost management and operational efficiency. 'We generated positive operating cash flow,' underscoring financial...
• Guidance Reiteration — Management maintained its revenue growth guidance of 10% to 12% for fiscal 2026, indicating confidence in achieving targets despite economic uncertainties. 'We expect 10% to 12% revenue growth in 2026,' they stated.

Read the full Usio, Inc. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 27 Usio, Inc. earnings call transcripts on record, spanning March 30, 2020 to May 13, 2026. Based on this history, Usio, Inc. reports quarterly. The most recent call on file is dated May 13, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

USIO

Exchange

NasdaqGM

Country

US

Sector

Financials

Industry

Financial Services

Calls on record

27

First call

March 30, 2020

Most recent

May 13, 2026

Reporting cadence

quarterly