Usio Posts 8% Q4 Growth, 30% ACH Surge and 19% Rise in Processed Dollars
Usio Inc posted Q4 revenue growth of 8% and full-year revenue up 3%, led by a 30% surge in ACH revenue and a 30% jump in transaction volume. It recorded a 19% increase in dollars processed and third consecutive positive adjusted EBITDA despite a $3–5 million card revenue loss.
1. Robust Revenue and Segment Expansion
Usio Inc reported Q4 revenue growth of 8% and full-year revenue up 3%, driven by a more than 30% surge in ACH segment revenue. The company maintained diversification with no single client contributing over 10% of total revenue.
2. Record Processing Metrics and Profitability
Total payment volume reached record levels, with dollars processed up 19% and transactions up 30%. Usio achieved positive adjusted EBITDA for the third consecutive year and expects continued profitability in fiscal 2026.
3. Prepaid Card Challenges and Cash Flow Impact
Card issuing revenues declined in Q4 despite improvement from Q3, reflecting a 22% drop in prepaid card issuing and an estimated $3–5 million revenue headwind from a reseller’s amusement park program acquisition. Operating cash flow fell to $1.5 million and SG&A expenses held at roughly 10% of revenue.
4. Strategic Initiatives and Customer Projects
The UCO1 initiative is advancing with consolidated sales outreach and cross-unit sales, while Usio secured three large card issuing projects. The largest project is a school voucher program slated for Q3, alongside initiatives with a major bank and a top payment company expected to boost revenue in the second half of 2026.