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
| Metric | Value |
|---|---|
| Revenue | $9.7M (beat) |
| Net Income | $130,000 (beat) |
| Adjusted EBITDA | Positive (beat) |
| Card Revenue Growth | 23% (beat) |
| ACH Revenue Growth | 25% (beat) |
| Operating Cash Flow | Positive (beat) |
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.
About Usio, Inc.
Usio, Inc. (USIO) is a publicly listed company in the Financial Services industry, within the Financials sector. It trades on NasdaqGM and is based in US. EarningsCalls.dev maintains a free, full-text archive of its earnings call transcripts — 27 calls on record spanning March 30, 2020 to May 13, 2026. Every transcript is split into speaker-by-speaker segments with headline metrics, free to read or available through our REST API.
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