--- title: "Usio | 8-K: FY2026 Q1 Revenue Beats Estimate at USD 25.47 M" type: "News" locale: "en" url: "https://longbridge.com/en/news/286309427.md" datetime: "2026-05-13T20:07:00.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/286309427.md) - [en](https://longbridge.com/en/news/286309427.md) - [zh-HK](https://longbridge.com/zh-HK/news/286309427.md) --- # Usio | 8-K: FY2026 Q1 Revenue Beats Estimate at USD 25.47 M Revenue: As of FY2026 Q1, the actual value is USD 25.47 M, beating the estimate of USD 23.2 M. EPS: As of FY2026 Q1, the actual value is USD 0. EBIT: As of FY2026 Q1, the actual value is USD 157.05 K. #### Segment Revenue Total Revenue for Usio, Inc. in the first quarter of 2026 was $25,465,774, an increase of 16% from $22,009,050 in the prior year quarter . **ACH and complementary services**: Revenue was $6,293,066 in Q1 2026, up 25% from $5,044,517 in Q1 2025 . **Credit card**: Revenue was $9,710,324 in Q1 2026, up 23% from $7,878,694 in Q1 2025, with the PayFac business accounting for nearly 80% of total credit card segment revenues . **Prepaid card services**: Revenue was $2,373,201 in Q1 2026, down 18% from $2,907,451 in Q1 2025 . **Output Solutions**: Revenue was $6,805,314 in Q1 2026, up 19% from $5,732,867 in Q1 2025 . **Interest - ACH and complementary services**: Revenue was $122,201 in Q1 2026, down 45% from $224,129 in Q1 2025 . **Interest - Prepaid card services**: Revenue was $118,029 in Q1 2026, down 35% from $182,661 in Q1 2025 . **Interest - Output Solutions**: Revenue was $43,639 in Q1 2026, up 13% from $38,731 in Q1 2025 . #### Operational Metrics - **Net Income (Loss)**: Usio, Inc. reported net income of $122,503 in Q1 2026, or $0.00 per share, compared to a net loss of - $234,970, or - $0.01 per share, for Q1 2025 . - **Gross Profit**: Gross profit for Q1 2026 was $5,136,883, up from $4,809,143 in Q1 2025 . - **Gross Margin**: Gross margins were 20.2% in Q1 2026, down from 21.9% in Q1 2025, primarily due to lower interest revenues and revenue mix . - **Operating Income (Loss)**: Operating income for Q1 2026 was $225,712, compared to an operating loss of - $239,584 for Q1 2025 . - **Total Selling, General and Administrative Expenses (Total SG&A Expenses)**: Total SG&A Expenses were $4,911,171 in Q1 2026, down from $5,048,727 in Q1 2025, primarily due to lower depreciation and amortization and stock-based compensation expense . - **Selling, General and Administrative Expenses (SG&A)**: SG&A was $4,356,142 for Q1 2026, compared to $4,142,895 in Q1 2025, an increase primarily related to increases in salary, network infrastructure, and professional fees . - **Adjusted EBITDA**: Adjusted EBITDA was $780,741 for Q1 2026, up from $666,248 in Q1 2025 . - **Adjusted EBITDA Margins**: Adjusted EBITDA margins were 3.1% for Q1 2026, compared to 3.0% for Q1 2025 . #### Cash Flow - **Net Cash Provided by Operating Activities**: Net cash provided by operating activities was $946,724 for Q1 2026, compared to $1,374,210 in Q1 2025, with the prior year period benefiting from an approximately $1.5 million tax refund . - **Net Cash Used in Investing Activities**: Net cash used in investing activities was - $613,604 for Q1 2026, compared to - $313,254 in Q1 2025 . - **Net Cash Provided by (Used in) Financing Activities**: Net cash used in financing activities was - $17,072,698 for Q1 2026, compared to net cash provided by financing activities of $3,576,886 in Q1 2025 . - **Cash and Cash Equivalents**: Cash and cash equivalents were $7,728,795 as of March 31, 2026, an increase of $0.3 million over $7,434,051 as of December 31, 2025 . - **Share Repurchases**: The company used approximately $235,000 to repurchase 182,000 shares of its common stock during Q1 2026 . #### Unique Metrics - **Total Payment Dollars Processed**: Total payment dollars processed through all payment channels in Q1 2026 were $2.50 billion, an improvement of 28% over $1.96 billion processed in Q1 2025 . - **Total Payment Transactions Processed**: Total payment transactions processed in Q1 2026 were 16.8 million, an increase of 22% over the same quarter of last year . - **Credit Card Volumes**: Dollars processed were up 16% and transactions processed were up 22% from a year ago . - **ACH Electronic Check Volumes**: Transaction volume was up 34%, electronic check dollars processed were up 31%, and returned check transactions processed were up 54% compared to Q1 2025 . - **PINless Debit Volumes**: Transactions were up 23% and dollars processed were up 36% from Q1 2025 . - **Prepaid Card Services Volumes**: Card load volume was down 19%, transactions processed were down 16%, and purchase volume was down 7% compared to Q1 2025 . - **Output Solutions Volumes**: Pieces processed and mailed were up 31%, while electronic documents processed and delivered were up 41% for Q1 2026 compared to Q1 2025 . #### Outlook / Guidance Usio, Inc. anticipates achieving another year of profitable, double-digit growth in fiscal 2026, driven by its Usio One strategy, growing reputation, and innovative technologies . The company expects margins to improve over the balance of the year and does not anticipate a material increase in SG&A expenses for the current year . These forward-looking statements are subject to inherent risks and uncertainties, including potential insufficiencies in security applications and challenges in adapting to rapid technological change, which could cause actual results to vary materially . ### Related Stocks - [USIO.US](https://longbridge.com/en/quote/USIO.US.md) ## Related News & Research - [American Resources files amended 8-K detailing auditor change timeline after GreenGrowth withdraws 2025 opinion](https://longbridge.com/en/news/294229412.md) - [Key facts: Hubbell (HUBB) raises 2026 sales to 16%–18%; files 8‑K](https://longbridge.com/en/news/294167258.md) - [Children’s Place amends 8-K to disclose Kim Roy separation deal, including $525,000 payment](https://longbridge.com/en/news/294257573.md) - [Standard BioTools amends 8-K to file mass cytometry sale agreement with Multiplex Bio](https://longbridge.com/en/news/294206092.md) - [SRX Global amends 8-K to correct CFO Carolina Martinez misidentified as CEO](https://longbridge.com/en/news/294232884.md)