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- **Record Q3 Growth**: 7 processing records set, including 30% YoY ACH revenue increase.
- **Margin Expansion**: ACH business driving 30% YoY revenue growth, offsetting one-time card issuing impacts.
- **Strategic Pipeline**: 16 new Payfac implementations and 1,000 merchants in filtered spin program.
- **Cash Position**: $7.8 million cash on hand, $3 million remaining under share repurchase authorization.

**【Management Opening Remarks】**
- Q3 2025: 7 quarterly processing records set, including 16.2 million transactions (8% YoY growth) and 30% YoY increase in ACH revenue.
- Sequential momentum: $1.2 million revenue increase vs. Q2, positioning for Q4 growth.
- Margins improving: ACH business driving 30% YoY revenue growth, offsetting one-time card issuing impacts.

**【CEO Summary Section】**
- **Processing Volume Records**: 7 Q3 records, including highest ACH volume in 3 years.
- **ACH Growth**: 30% YoY revenue increase, 8% sequential growth.
- **Card Issuing Recovery**: Sequential revenue growth after 2024 challenges.
- **Output Solutions**: 20 million electronic documents processed (500,000 YoY increase).

**【CFO Financial Commentary】**
- **Adjusted EBITDA**: $368,000 (down $132,000 YoY due to one-time 2024 card issuing revenue).
- **Cash Flow**: $1.4 million operating cash flow, $7.8 million cash on hand.
- **Share Repurchases**: $750,000 year-to-date, $3 million remaining under authorization.

**【Q&A Highlights】**
- **Pipeline Momentum**: 16 new Payfac implementations in process, 1,000 merchants in filtered spin program.
- **Government Shutdown Impact**: SNAP payment alternatives being developed for municipalities.
- **M&A Criteria**: Focus on synergies in payment processing, card issuing, or ACH technologies.
- **Sales Cycle**: Implementation delays outside of company control, but 2026 growth expected.

Usio, Inc. (USIO) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

USIO

USIO fundamentals

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