Usio reports Q3 net loss of $0.4M; ACH revenue up 36% YoY; all-time processing records

Usio, Inc.

2025-Q3 EPS reported -$0.04 vs consensus $0.01 ▼ miss (-619.5%)

Net loss of $0.4M (($0.02)/share) vs net income of $2.9M ($0.10) in Q3 2024; adjusted EBITDA $0.4M down from $0.8M.
Revenue slightly down YoY but up $1M sequentially; ACH revenue up 36% YoY for third consecutive quarter.
All-time quarterly records for all ACH processing metrics, credit card volume, PINless debit volume/transactions.
PINless debit transactions up 96% YoY, dollars up 87%; total payment dollars processed up 8% YoY.
Enterprise card customer went live; potential $100M annual recurring volume; $7.7M cash, $0.76M share repurchases YTD.

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