Usio, Inc.USIOEarnings & Financial Report
Usio, Inc. is an American financial technology company headquartered in San Antonio, Texas. It provides integrated electronic payment services, including ACH processing, credit card and debit card acceptance, payment facilitation for software platforms, prepaid card issuing and a document print and mail operation.
Revenue
$22.0M
Gross Profit
$4.8M
Operating Profit
$-239.6K
Net Profit
$-235.0K
Gross Margin
21.9%
Operating Margin
-1.1%
Net Margin
-1.1%
YoY Growth
5.0%
EPS
$-0.01
Usio, Inc. Q1 FY2025 Financial Summary
Usio, Inc. reported revenue of $22.0M (up 5.0% YoY) for Q1 FY2025, with a net profit of $-235.0K (up 6.1% YoY) (-1.1% margin). Cost of goods sold was $17.2M, operating expenses totaled $5.0M.
Key Financial Metrics
| Total Revenue | $22.0M |
|---|---|
| Net Profit | $-235.0K |
| Gross Margin | 21.9% |
| Operating Margin | -1.1% |
| Report Period | Q1 FY2025 |
Revenue Breakdown
Usio, Inc. Q1 FY2025 revenue of $22.0M breaks down across 5 segments, led by Credit Card Revenue at $7.9M (35.8% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Credit Card Revenue | $7.9M | 35.8% |
| Output Solutions | $5.7M | 26.0% |
| ACH And Complementary Service Revenue | $5.0M | 22.9% |
| Prepaid Card Services Revenue | $2.9M | 13.2% |
| Other | $445.5K | 2.0% |
Usio, Inc. Revenue by Segment — Quarterly Trend
Usio, Inc. revenue by segment across the last 4 reported quarters, showing how each business line (such as Credit Card Revenue and Output Solutions) has evolved quarter over quarter.
| Segment | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 |
|---|---|---|---|---|
| Credit Card Revenue | $7.7M | $7.4M | — | $7.9M |
| Output Solutions | $5.4M | $4.8M | — | $5.7M |
| ACH And Complementary Service Revenue | $6.1M | $5.8M | — | $5.0M |
| Prepaid Card Services Revenue | $2.6M | $2.8M | $2.7M | $2.9M |
| Other | — | — | $2.0M | $445.5K |
Usio, Inc. Annual Revenue by Year
Usio, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $85.4M).
| Year | Annual Revenue |
|---|---|
| 2025 | $85.4M |
| 2024 | $82.9M |
| 2023 | $84.1M |
| 2022 | $69.4M |
Usio, Inc. Quarterly Revenue & Net Profit History
Usio, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $22.2M | +8.2% | $-1.5M | -6.7% |
| Q3 FY2025 | $21.2M | -0.7% | $-415.1K | -2.0% |
| Q2 FY2025 | $20.0M | -0.6% | $-366.7K | -1.8% |
| Q1 FY2025 | $22.0M | +5.0% | $-235.0K | -1.1% |
| Q4 FY2024 | $20.6M | +1.8% | $628.9K | 3.1% |
| Q3 FY2024 | $21.3M | +1.6% | $2.9M | 13.4% |
| Q2 FY2024 | $20.1M | -6.3% | $75.5K | 0.4% |
| Q1 FY2024 | $21.0M | -2.2% | $-250.2K | -1.2% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $21.0M | $20.1M | $21.3M | $20.6M | $22.0M | $20.0M | $21.2M | $22.2M |
| YoY Growth | -2.2% | -6.3% | 1.6% | 1.8% | 5.0% | -0.6% | -0.7% | 8.2% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $99.1M | $108.8M | $114.6M | $107.2M | $109.6M | $108.4M | $99.4M | $134.9M |
| Liabilities | $83.8M | $93.1M | $95.7M | $88.1M | $90.6M | $89.6M | $80.7M | $117.0M |
| Equity | $15.3M | $15.7M | $18.9M | $19.2M | $19.0M | $18.7M | $18.7M | $17.9M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $88661 | $369111 | $1.4M | $2.9M | $1.4M | $-263884 | $303830 | $1.5M |