<p>Usio ((USIO)) 已召開其第三季度財報電話會議。請繼續閲讀會議的主要亮點。</p>
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<p>Usio 最近的財報電話會議描繪了強勁的增長和戰略投資的圖景，儘管面臨一些運營挑戰。公司報告了創紀錄的交易量以及 ACH 和 PayFac 等關鍵領域的顯著增長。在保持正現金流的同時，Usio 繼續投資於未來的增長和創新。然而，卡片發行方面的挑戰和調整後 EBITDA 的下降被提及，同時客户實施的速度低於預期。</p>
<h2>處理和交易量創紀錄</h2>
<p>Usio 創下了七個季度的處理量記錄，包括創紀錄的季度整體交易量 1620 萬，較去年增長 8%。這一成就凸顯了公司的運營實力及其有效擴展的能力。</p>
<h2>ACH 和 PayFac 領域的強勁增長</h2>
<p>ACH 領域的收入較去年增長 30%，這是連續第八個季度增長。同樣，PayFac 收入同比激增 32%，得益於新客户的實施，突顯了公司在這些領域的成功擴展。</p>
<h2>正現金流和強勁的資產負債表</h2>
<p>Usio 報告本季度的運營現金流為 140 萬美元，現金儲備在季度末增加超過 20 萬美元，達到 780 萬美元。這一財務穩定性為公司未來的戰略舉措奠定了良好的基礎。</p>
<h2>戰略性股票回購</h2>
<p>公司年初至今已戰略性回購超過 75 萬美元的股票，包括超過 50 萬股。這一舉措反映了對公司長期價值的信心以及對股東回報的承諾。</p>
<h2>對增長和創新的投資</h2>
<p>Usio 繼續投資於技術升級、新產品發佈和生產力提升，重點關注經常性收入。這些投資預計將推動未來的增長並增強公司的競爭地位。</p>
<h2>卡片發行和利息收入的疲軟</h2>
<p>儘管整體收入增長，總收入與去年相比保持相對不變，主要由於卡片發行的持續疲軟和利息收入的下降。這一領域仍然是公司的挑戰。</p>
<h2>調整後 EBITDA 的下降</h2>
<p>調整後 EBITDA 從第二季度的 50 萬美元下降至 36.8 萬美元，也低於去年同期。這一下降反映了公司面臨的一些運營挑戰。</p>
<h2>實施挑戰</h2>
<p>客户實施的速度低於預期，影響了新客户收入實現的速度。解決這些挑戰對於維持增長勢頭至關重要。</p>
<h2>前瞻性指導</h2>
<p>展望未來，Usio 預計將繼續增長，得益於強大的機會管道、新產品發佈和技術升級。公司對未來前景持樂觀態度，得益於其穩健的財務狀況和戰略舉措。</p>
<p>總之，Usio 的財報電話會議突顯了強勁的運營指標和戰略投資的結合，同時在特定領域面臨一些挑戰。整體情緒積極，重點關注增長和創新。投資者和利益相關者可以期待 Usio 的持續擴展和價值創造。</p>

USIO

<p>Usio 的第三季度財報電話會議揭示了創紀錄的交易量以及 ACH 和 PayFac 領域的增長，儘管在卡發行和調整後的 EBITDA 方面面臨挑戰。公司報告了積極的現金流和戰略性的股票回購，顯示出對長期價值的信心。Usio 繼續投資於技術和創新，旨在實現未來的增長。然而，客户實施進度緩慢和收入挑戰依然存在。總體而言，會議強調了強勁的運營指標和戰略投資，對持續擴張和價值創造持樂觀態度</p>

<p>Usio ((USIO)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Usio ((USIO)) 已召開其第三季度財報電話會議。請繼續閲讀會議的主要亮點。</p>
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</div><p>The recent earnings call for Usio painted a picture of robust growth and strategic investments, despite facing some operational challenges. The company reported record transaction volumes and significant growth in key segments such as ACH and PayFac. While maintaining a positive cash flow, Usio continues to invest in future growth and innovation. However, challenges in card issuing and a decrease in adjusted EBITDA were noted, alongside slower-than-desired customer implementations.</p>
<div class="lb-trans"><p>Usio 最近的財報電話會議描繪了強勁的增長和戰略投資的圖景，儘管面臨一些運營挑戰。公司報告了創紀錄的交易量以及 ACH 和 PayFac 等關鍵領域的顯著增長。在保持正現金流的同時，Usio 繼續投資於未來的增長和創新。然而，卡片發行方面的挑戰和調整後 EBITDA 的下降被提及，同時客户實施的速度低於預期。</p>
</div><h2>Record Processing and Transaction Volumes</h2>
<div class="lb-trans"><h2>處理和交易量創紀錄</h2>
</div><p>Usio set seven quarterly processing volume records, including a remarkable quarterly overall transaction volume of 16.2 million, marking an 8% increase year-over-year. This achievement underscores the company’s operational strength and its ability to scale effectively.</p>
<div class="lb-trans"><p>Usio 創下了七個季度的處理量記錄，包括創紀錄的季度整體交易量 1620 萬，較去年增長 8%。這一成就凸顯了公司的運營實力及其有效擴展的能力。</p>
</div><h2>Strong Growth in ACH and PayFac Segments</h2>
<div class="lb-trans"><h2>ACH 和 PayFac 領域的強勁增長</h2>
</div><p>The ACH segment reported a 30% revenue increase from the previous year, marking its eighth consecutive quarter of growth. Similarly, PayFac revenues surged by 32% year-over-year, driven by net new client implementations, highlighting the company’s successful expansion in these areas.</p>
<div class="lb-trans"><p>ACH 領域的收入較去年增長 30%，這是連續第八個季度增長。同樣，PayFac 收入同比激增 32%，得益於新客户的實施，突顯了公司在這些領域的成功擴展。</p>
</div><h2>Positive Cash Flow and Strong Balance Sheet</h2>
<div class="lb-trans"><h2>正現金流和強勁的資產負債表</h2>
</div><p>Usio reported an operating cash flow of $1.4 million for the quarter, with cash reserves increasing by over $200,000 to $7.8 million by the quarter’s end. This financial stability positions the company well for future strategic initiatives.</p>
<div class="lb-trans"><p>Usio 報告本季度的運營現金流為 140 萬美元，現金儲備在季度末增加超過 20 萬美元，達到 780 萬美元。這一財務穩定性為公司未來的戰略舉措奠定了良好的基礎。</p>
</div><h2>Strategic Share Repurchases</h2>
<div class="lb-trans"><h2>戰略性股票回購</h2>
</div><p>The company has strategically repurchased over $750,000 worth of shares year-to-date, including more than 500,000 shares. This move reflects confidence in the company’s long-term value and commitment to returning value to shareholders.</p>
<div class="lb-trans"><p>公司年初至今已戰略性回購超過 75 萬美元的股票，包括超過 50 萬股。這一舉措反映了對公司長期價值的信心以及對股東回報的承諾。</p>
</div><h2>Investment in Growth and Innovation</h2>
<div class="lb-trans"><h2>對增長和創新的投資</h2>
</div><p>Usio continues to invest in technology upgrades, new product launches, and productivity gains, with a focus on recurring revenue. These investments are expected to drive future growth and enhance the company’s competitive position.</p>
<div class="lb-trans"><p>Usio 繼續投資於技術升級、新產品發佈和生產力提升，重點關注經常性收入。這些投資預計將推動未來的增長並增強公司的競爭地位。</p>
</div><h2>Weakness in Card Issuing and Interest Income</h2>
<div class="lb-trans"><h2>卡片發行和利息收入的疲軟</h2>
</div><p>Despite overall revenue growth, total revenues remained relatively unchanged from the previous year due to continued weakness in card issuing and a decline in interest income. This area remains a challenge for the company.</p>
<div class="lb-trans"><p>儘管整體收入增長，總收入與去年相比保持相對不變，主要由於卡片發行的持續疲軟和利息收入的下降。這一領域仍然是公司的挑戰。</p>
</div><h2>Decrease in Adjusted EBITDA</h2>
<div class="lb-trans"><h2>調整後 EBITDA 的下降</h2>
</div><p>Adjusted EBITDA decreased to $368,000 from $500,000 in the second quarter and was also down from a year ago. This decline reflects some of the operational challenges faced by the company.</p>
<div class="lb-trans"><p>調整後 EBITDA 從第二季度的 50 萬美元下降至 36.8 萬美元，也低於去年同期。這一下降反映了公司面臨的一些運營挑戰。</p>
</div><h2>Implementation Challenges</h2>
<div class="lb-trans"><h2>實施挑戰</h2>
</div><p>The pace of customer implementations has been slower than desired, affecting the speed of revenue realization from new clients. Addressing these challenges will be crucial for sustaining growth momentum.</p>
<div class="lb-trans"><p>客户實施的速度低於預期，影響了新客户收入實現的速度。解決這些挑戰對於維持增長勢頭至關重要。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指導</h2>
</div><p>Looking ahead, Usio anticipates continued growth, driven by a strong pipeline of opportunities, new product launches, and technological upgrades. The company remains optimistic about its future prospects, supported by its solid financial position and strategic initiatives.</p>
<div class="lb-trans"><p>展望未來，Usio 預計將繼續增長，得益於強大的機會管道、新產品發佈和技術升級。公司對未來前景持樂觀態度，得益於其穩健的財務狀況和戰略舉措。</p>
</div><p>In summary, Usio’s earnings call highlighted a mix of strong operational metrics and strategic investments, alongside some challenges in specific areas. The overall sentiment was positive, with a focus on growth and innovation. Investors and stakeholders can look forward to Usio’s continued expansion and value creation.</p>
<div class="lb-trans"><p>總之，Usio 的財報電話會議突顯了強勁的運營指標和戰略投資的結合，同時在特定領域面臨一些挑戰。整體情緒積極，重點關注增長和創新。投資者和利益相關者可以期待 Usio 的持續擴展和價值創造。</p>
</div>

Usio 的財報電話會議：在挑戰中實現創紀錄的增長