---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-009584"
form_type: "8-K"
ticker: "USIO"
cik: "0001088034"
company_name: "Usio, Inc."
filed_at: "2024-03-27T23:59:59+00:00"
generated_at: "2026-06-04T06:57:19.585630+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Usio reports record FY2023 revenue of $82.6M (+19% YoY); guides FY2024 revenue growth 10-12%

## Summary
- Full year 2023 revenue $82.6M (+19% YoY, 7th consecutive record); Adj. EBITDA $2.4M.
- Q4 revenue $19.4M (+4% YoY); net income $0.03M vs loss of $0.15M in Q4 2022.
- Prepaid revenues up 105% in FY2023; card load volumes exceeded $100M in Q3 and Q4.
- FY2024 guidance: revenue growth 10-12%, Adj. EBITDA $4-4.5M, EPS $0.05-0.07.
- Ended FY2023 with $7.2M cash, no significant debt; repurchased $0.6M in shares.

## SEC filing metadata
- accession: 0001437749-24-009584
- form_type: 8-K
- ticker: USIO
- cik: 0001088034
- company_name: Usio, Inc.
- filed_at: 2024-03-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1088034/000143774924009584/0001437749-24-009584-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1088034/000143774924009584/usio20231129_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-009584
- JSON: https://secwatch.observer/filing/0001437749-24-009584.json
- Plain text: https://secwatch.observer/filing/0001437749-24-009584.txt

## Key facts
- Earnings Releases
  Usio, Inc. reported the fourth quarter and year 2023, which ended December 31, 2023 results: revenue $ 82.6 million. Guidance reaffirmed.
  - Period: the fourth quarter and year 2023, which ended December 31, 2023
  - Revenue: $ 82.6 million
  - Guidance: reaffirmed
  - Result: reported results
  source text: 31, 2023 . Louis Hoch, Chairman and Chief Executive Officer of Usio, said, “For the seventh consecutive year, Usio achieved record revenues, with full year 2023 revenues of $ 82.6 million, up 19% . In addition, Adjusted EBITDA 1 totaled $2.4 million for the year. Both of these results met the fiscal 2023 Guidance established at the outset of 2023, illustrating
  evidence_url: https://www.sec.gov/Archives/edgar/data/1088034/000143774924009584/0001437749-24-009584-index.htm

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