Usio, Inc. provides integrated electronic payment processing services to merchants and businesses in the United States. The company offers various types of ...
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Est. EPS $0.01 · Revenue $23.81M · 2 analysts
Est. EPS $0.01 · Revenue $24.43M · 2 analysts
Est. EPS $0.02 · Revenue $97.30M · 2 analysts
Est. EPS $0.01 · Revenue $27.09M · 1 analysts
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $85.4M | +3.0% | -7.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $-2.5M | -176.0% | +128.6% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +23.1% | -2.5% | +25.4% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | -2.8% | -55.9% | +79.6% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | -2.9% | -173.8% | +145.9% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $1.1M | -43.4% | -250.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +1.3% | -45.0% | -262.3% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 21.7% | +7.6% | +0.8% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 1.08x | -3.4% | +0.3% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $134.9M | +25.8% | +3.0% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | -0.09 vs -0.04 | -159.2% | 0.01 vs -0.00 | +500.0% |
| Revenue Surprise | $85.4M vs $86.2M | -0.9% | $23.7M vs $23.7M | +0.0% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 21, 2026 | Miller Elizabeth Michelle | director | Common Stock | A | 7,000 | $2.81 |
| Aug 21, 2026 | Miller Elizabeth Michelle | director | Restriced Stock Units | D | 7,000 | — |
| Aug 21, 2026 | Rollins Brad | director | Common Stock | A | 7,000 | $2.81 |
| Aug 21, 2026 | Rollins Brad | director | Restricted Stock Units | D | 7,000 | — |
| Aug 21, 2026 | Beyer del la Garza Ernesto R | director | Common Stock | A | 7,000 | $2.81 |
Operator: Welcome to Usio's Second Quarter Fiscal 2026 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Michael White, Senior Vice President and Chief Accounting Officer. Please go ahead, sir. Michael White: Thank you, operator, and thank you, everyone, for joining our call today. Welcome to Usio's Second Fiscal Quarter 2026 Conference Call. The earnings release, which we issued today after the market closed, is available on our website at usio.com under the Investor Relations tab. On this call with me today are Louis Hoch, our Chairman and CEO; and Greg Carter, Executive Vice President of Payment Acceptance and Chief Revenue Officer. In addition, Houston Frost, Senior Vice President and Chief Product Officer; and Jerry Uffner, Head of Card Issuing, will be available during the question-and-answer session. Let me remind our listeners that certain statements made during the call today constitute forward-looking statements made pursuant to the safe harbor provisions of the Private Securities and Litigation Act of 1995 as amended and more fully discussed in our press release and in our filings with the SEC. Following our prepared remarks, there will be a question-and-answer session for those who registered as a financial professional. Let me offer just a few brief comments on the quarter before turning it over to Greg and Louis. We once again met or beat all analyst expectations on both the top and bottom lines while also delivering our second consecutive quarter of positive GAAP net income and earnings per share. Revenue growth remained strong in the second quarter, up 19%, accelerating from 15% in the first quarter. Excluding the impact of interest income, growth at the business unit level was even stronger, approaching 20%. This has led to a very strong first half of the year. As we move through the second half of the year, we remain focused on executing our strategy and leveraging our innovative technology and diversified business operations to drive continued growth across the markets we serve. In 3 of our product lines, credit card, ACH and Output Solutions, revenue was up over 20%, illustrating continued strength across Usio. Once again, a majority of the quarter's revenue was recurring in nature with no one client accounting for more than 10% of total revenue. Client retention remains high. Total processing transactions also set new records with total payment dollars processed up 27% and transactions up 27%. Profitability continued to improve. Gross profit dollars increased 12% with margins improving sequentially from the first quarter. Total selling, general and administrative expenses were down approximately $190,000 from a year ago. Excluding depreciation, amortization and stock-based compensation, SG&A was down marginally from a year ago despite the 19% increase in revenues. We remain focused on maintaining a disciplined cost structure as we …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Louis A. Hoch | Co-Founder, Chairman, President, Chief Executive Officer & Chief Operating Officer | USD 909,349 | Male | 1966 | Active |
Gregory Mark Carter | Executive Vice President of Payment Acceptance & Chief Revenue Officer | USD 318,162 | Male | 1964 | Active |
Houston Korth Frost | Senior VP of Corporate Development & Prepaid Products and Chief Product Officer | USD 250,677 | Male | 1982 | Active |
Michael White | Senior Vice President, Chief Accounting Officer and Principal Accounting & Financial Officer | USD 235,620 | Male | 1997 | Active |
Kenneth Wayne Keller | Chief Technology Officer & Senior Vice President | USD 117,543 | Male | 1966 | Active |
Wayne Gonzales | Senior Vice President & Chief Compliance Officer | — | Male | — | Active |
Joe Huch | Vice President of Sales | — | Male | — | Active |
Silas Green | Senior Vice President of Output Solutions | — | Male | — | Active |
Steve Peterson | Senior Vice President of Emerging Markets | — | Male | — | Active |
Paul Manley | Senior Vice President of Investor Relations | — | Male | — | Active |
Joseph Saahene | Vice President & General Counsel | — | Male | — | Active |
Usio (USIO) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices.
Usio NASDAQ: USIO is positioning its payment, card issuing and document-delivery operations as an integrated platform designed to help customers manage multiple payment methods and communications through one provider, Chief Accounting Officer Michael White said during a fireside chat moderated by Lytham Partners Managing Partner Robert Blum.
Does Usio Inc (USIO) have what it takes to be a top stock pick for momentum investors? Let's find out.
If you are looking for stocks that have gained strong momentum recently but are still trading at reasonable prices, Usio (USIO) could be a great choice. It is one of the several stocks that passed through our 'Fast-Paced Momentum at a Bargain' screen.
Usio, Inc. (USIO) Q2 2026 Earnings Call Transcript
