---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-23-030951"
form_type: "8-K"
ticker: "USIO"
cik: "0001088034"
company_name: "Usio, Inc."
filed_at: "2023-11-08T23:59:59+00:00"
generated_at: "2026-06-08T08:38:25.334540+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Usio Q3 revenue $20.5M (+25% YoY); net loss narrows to $0.7M vs $1.8M

## Summary
- Revenue $20.5M, up 25% YoY; 13th consecutive quarter of growth.
- Prepaid card revenue surged 197% to $4.7M; load volume +239%.
- Net loss $0.7M ($0.04/sh) vs $1.8M ($0.09) a year ago; Adjusted EBITDA loss $0.1M.
- Full-year 2023 revenue growth guidance reiterated at 18%-20%.
- Cash $7.4M; $1.7M added over first nine months; generated $2.4M adjusted operating cash flow.

## SEC filing metadata
- accession: 0001437749-23-030951
- form_type: 8-K
- ticker: USIO
- cik: 0001088034
- company_name: Usio, Inc.
- filed_at: 2023-11-08T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1088034/000143774923030951/0001437749-23-030951-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1088034/000143774923030951/usio20230828_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-23-030951
- JSON: https://secwatch.observer/filing/0001437749-23-030951.json
- Plain text: https://secwatch.observer/filing/0001437749-23-030951.txt

## Key facts
- Earnings Releases
  Usio, Inc. updated its the third quarter, which ended September 30, 2023 guidance (reaffirmed).
  - Period: the third quarter, which ended September 30, 2023
  - Guidance: reaffirmed
  - Result: reported results
  source text: On November 8, 2023, Usio, Inc. issued a press release announcing financial results for its quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1088034/000143774923030951/0001437749-23-030951-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.