Usio reports Q4 GAAP EPS $0.02, full year EPS $0.12; guides 14-16% revenue growth in 2025

Usio, Inc.

Q4 revenue $20.6M (+2% YoY); full year dollar processing volume $7.1B (+33%) and transactions +26%.
Full year GAAP net income $3.0M ($0.12 EPS) vs $0.2M ($0.01 EPS) in 2023; adjusted EBITDA positive.
Cash on hand rose to record $8.1M at Dec 31, 2024; board authorized new $4M stock repurchase program.
Q4 ACH & complementary services revenue +17% YoY; Card revenue +6%; Output Solutions +13%.
Fiscal 2025 guidance: 14-16% revenue growth and adjusted EBITDA margin of 5-7%, assuming stable economy.

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