---
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"
generated_at: "2026-05-17T18:53:03.968584+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Usio reports Q2 net loss of $0.4M; lowers FY25 revenue growth guidance to 5-12%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-025069
- JSON: https://secwatch.observer/filing/0001437749-25-025069.json
- Plain text: https://secwatch.observer/filing/0001437749-25-025069.txt

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