---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-034426"
form_type: "8-K"
ticker: "USIO"
cik: "0001088034"
company_name: "Usio, Inc."
filed_at: "2025-11-12T23:59:59+00:00"
generated_at: "2026-05-16T20:53:23.739692+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001437749-25-034426
- form_type: 8-K
- ticker: USIO
- cik: 0001088034
- company_name: Usio, Inc.
- filed_at: 2025-11-12T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/1088034/000143774925034426/0001437749-25-034426-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1088034/000143774925034426/usio20250826_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-034426
- JSON: https://secwatch.observer/filing/0001437749-25-034426.json
- Plain text: https://secwatch.observer/filing/0001437749-25-034426.txt

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