{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-25-025069","form_type":"8-K","ticker":"USIO","cik":"0001088034","company_name":"Usio, Inc.","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.306576+00:00","generated_at":"2026-05-17T18:53:03.968584+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Usio reports Q2 net loss of $0.4M; lowers FY25 revenue growth guidance to 5-12%","bullets":["Total payment dollar volume up 15% YoY; ACH electronic check dollar volume increased 19%, transactions up 33%.","Net loss of $0.4M ($0.01 EPS) vs net income of $0.1M a year ago; Adjusted EBITDA $0.5M vs $0.8M.","FY25 revenue growth guidance lowered to 5-12% due to prolonged implementation delays with two large national accounts.","Prepaid card services revenue declined 26% YoY; ACH & complementary services revenue up >30% for second consecutive quarter.","Operating cash flow $1.1M; share repurchases $350k in Q2, over $700k YTD; gross margin expanded 185 bps."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-25-025069","json":"https://secwatch.observer/filing/0001437749-25-025069.json","markdown":"https://secwatch.observer/filing/0001437749-25-025069.md","text":"https://secwatch.observer/filing/0001437749-25-025069.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1088034/000143774925025069/0001437749-25-025069-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1088034/000143774925025069/usio20250529_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T18:53:03.968584+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"}