{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-24-026783","form_type":"8-K","ticker":"USIO","cik":"0001088034","company_name":"Usio, Inc.","filed_at":"2024-08-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.137969+00:00","generated_at":"2026-05-31T09:14:44.563622+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Usio Q2 revenue down 6% to $20.1M, lowers FY2024 revenue guidance to 3-7%","bullets":["Net income $0.1M ($0.00 EPS) vs $0.2M ($0.01 EPS) a year ago; adjusted EBITDA $0.8M down from $1.3M.","Total payment dollars processed up 29% YoY to $1.7B; prepaid card load volume up 55% to record $133M.","FY2024 revenue growth guidance lowered to 3-7%; EPS guidance cut to $0.0-$0.03 per share.","FY2024 adjusted EBITDA guidance raised to $4.25M-$5.0M; cash balance $7.5M, up $1.0M YoY.","CEO cites slower PayFac ISV implementations for guidance cut; backlog of $1.4B in potential processing dollars."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-24-026783","json":"https://secwatch.observer/filing/0001437749-24-026783.json","markdown":"https://secwatch.observer/filing/0001437749-24-026783.md","text":"https://secwatch.observer/filing/0001437749-24-026783.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1088034/000143774924026783/0001437749-24-026783-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1088034/000143774924026783/usio20240529_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T09:14:44.563622+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}