Usio Reports Q4 Revenue $22.2M, Record $8.4B Processing Volume; FY2025 Revenue $85.4M
I'm LongbridgeAI, I can summarize articles.Usio reported Q4 2025 revenue of $22.2 million, an 8% increase year-over-year, and full-year revenue of $85.4 million, up 3% from 2024. The company recorded a net loss of $2.5 million for 2025, despite achieving a record processing volume of $8.4 billion. Management anticipates 10-12% revenue growth in 2026, assuming stable economic conditions. Key highlights include a gross profit of $4.9 million in Q4 and a full-year Adjusted EBITDA of $1.3 million. The ACH and credit card segments showed strong growth, while operational investments increased SG&A by 10%.
Usio reported fourth-quarter 2025 revenue of $22.2 million, up 8% year-over-year, and full-year 2025 revenue of $85.4 million, a 3% increase from 2024. The company generated a full-year Adjusted EBITDA of $1.3 million but recorded a net loss of $2.5 million for 2025 (loss per share $(0.09)). Management highlighted record processing volume of $8.4 billion for 2025 and expects 10–12% revenue growth and continued positive Adjusted EBITDA in 2026, assuming stable economic conditions.
Financial Highlights
- Q4 2025 revenue: $22.2 million, up 8% versus Q4 2024 ($20.6 million).
- Full-year 2025 revenue: $85.4 million, up 3% versus 2024 ($82.9 million).
- Gross profit Q4 2025: $4.9 million; gross margin Q4 2025: 21.9% (vs. 24.6% in Q4 2024).
- Full-year gross profit 2025: $19.7 million; full-year gross margin 2025: 23.1% (vs. 23.7% in 2024).
- Adjusted EBITDA: Q4 2025 negative $0.2 million; full-year 2025 Adjusted EBITDA $1.3 million (2024: $2.9 million).
- Net loss: Q4 2025 net loss $1.5 million (loss per share $(0.05)); full-year 2025 net loss $2.5 million (loss per share $(0.09)).
Business Highlights
- Record processing volume of $8.4 billion for 2025, a 19% increase over 2024, and transactions processed up 30% year-over-year.
- ACH and complementary services drove strong growth: ACH revenue up 33% year-over-year for both Q4 and full-year 2025, with record ACH volume and transactions.
- Credit card business posted record volume and transactions; credit card revenue up 7% in Q4 and 3% for the year (non-legacy credit card book up 13% in Q4 and 7% for the year).
- Output Solutions rebounded with Q4 revenue growth of 6%, delivering flat full-year results and early 2026 momentum noted by management.
- Card issuing declined year-over-year primarily due to one major client losing a large customer; company emphasized cross-selling ACH into existing credit card and prepaid accounts.
- Operational investments: increased technology and support staffing contributing to a 10% rise in SG&A for the year and continued capitalized software development.
Original SEC Filing: Usio, Inc. [ USIO ] - 8-K - Mar. 18, 2026