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Usio (USIO) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 12, 2026 · Usio (USIO) Q2 2026 earnings results →
Q2 2026 Revenue up 19% year over year to $23.7M · 1¢ of every $1 of revenue kept as net profit · operating margin 1.6%
Usio made $23.7M in Q2 2026 (+19% Y/Y): Credit Card Revenue $9.0M, ACH and Complementary Service Revenue $6.3M, Output Solutions $5.7M. Operating margin 1.6%, net earnings $280K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 12, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $23.7M in Q2 2026, up 19% year over year and down 7% from the previous quarter. Credit Card Revenue was the largest line at 38% of revenue. Credit Card Revenue added $2.0M year over year (up 28%), 53% of the total change. ACH and Complementary Service Interest Revenue declined 49%.
Gross margin was 24.2%, down 1.6 points from Q2 2025. Operating profit was $377K, a 1.6% margin (up 3.6 points year over year). Operating expenses fell 3% while revenue rose 19%. Net earnings were $280K. The effective tax rate was 37.8%.
Operating cash flow was −$694K. Non-cash charges added back $286K of depreciation and amortization and $483K of share-based compensation. Working capital and other items used $1.7M. Capital expenditures of $134K exceeded it, leaving free cash flow of −$828K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 12, 2026 | $23.7M | +19% | 1.6% | $280K | −$694K |
| Q1 2026 | 10-Q | May 13, 2026 | $25.5M | +16% | 0.9% | $123K | $947K |
| Q4 2025 | 10-K | Mar 18, 2026 | $22.2M | +8% | -5.7% | −$1.5M | $100K |
| Q3 2025 | 10-Q | Nov 12, 2025 | $21.2M | -0.7% | -2.2% | −$415K | $304K |
| Q2 2025 | 10-Q | Aug 6, 2025 | $20.0M | -0.6% | -2.0% | −$367K | −$264K |
| Q1 2025 | 10-Q | May 14, 2025 | $22.0M | +5% | -1.1% | −$235K | $1.4M |
| Q4 2024 | 10-K | Mar 26, 2025 | $20.6M | +2% | -2.9% | $629K | $10.5M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Usio
As a cloud-based, Fintech payment processor, we serve multiple industry verticals with technology that facilitates payment acceptance and funds disbursement in a single, full-stack ecosystem. We provide payment acceptance through multiple payment methods including: payment facilitation, prepaid card and electronic billing products and services to businesses, merchants and consumers. We seek to grow our business both organically through the continued development and enhancement of our products and services and through acquisitions of new products and services. We will continue to look for opportunities (both internally and externally) to enhance our offerings to meet customer demands as they arise.
In its own words, from its 10-K, filed Mar 18, 2026.
Usio against its Functions Related To Depository Banking, NEC peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +19% against the peers' median +8%. Operating margin: 1.6% against the peers' median 1.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| USIO Usio | Q2 2026 | $23.7M | +19% | 1.6% |
| EEFT Euronet Worldwide | Q3 2026 | $1.2B | +1% | 14.8% |
| LSAK Lesaka Technologies | Q1 FY27 | $185M | +8% | -0.6% |
Source: Usio 10-Q on SEC EDGAR · CIK 1088034 · Functions Related To Depository Banking, NEC
13F: who owns USIO and who is buying
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History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results