---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-033607"
form_type: "8-K"
ticker: "USIO"
cik: "0001088034"
company_name: "Usio, Inc."
filed_at: "2024-11-06T23:59:59+00:00"
generated_at: "2026-05-30T04:18:42.642837+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Usio Q3 net income $2.9M ($0.10/shr) vs loss $0.7M YoY; revenue up 2% to $21.3M

## Summary
- Q3 net income $2.9M (incl. $3.2M tax benefit) vs net loss $0.7M YoY; adjusted EBITDA $0.8M vs $0.4M.
- Revenue $21.3M (+2% YoY); total payment dollars processed up 46% to $2.0B.
- ACH dollar volume +61%; PayFac credit card +27%; prepaid card load record $140M.
- Gross margin improved to 23.0% from 22.2%; SG&A down 4%.
- Cash $8.4M, up $1.2M YTD; management sees potential >$100M annual revenue run rate for 2025.

## SEC filing metadata
- accession: 0001437749-24-033607
- form_type: 8-K
- ticker: USIO
- cik: 0001088034
- company_name: Usio, Inc.
- filed_at: 2024-11-06T23:59:59+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/1088034/000143774924033607/0001437749-24-033607-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1088034/000143774924033607/usio20240909_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-033607
- JSON: https://secwatch.observer/filing/0001437749-24-033607.json
- Plain text: https://secwatch.observer/filing/0001437749-24-033607.txt

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