Filing Flows › Usio (USIO) › Q2 2026 › vs Q2 2025
Usio (USIO) Q2 2026 vs Q2 2025 (year over year)
Usio's revenue rose $3.7M (+19%) from $20.0M in Q2 2025 to $23.7M in Q2 2026. The biggest changes: Credit Card Revenue +$2.0M (+28%); ACH and Complementary Service Revenue +$1.1M (+21%); Output Solutions +$1.0M (+22%). Gross margin 24.2% against 25.8% (-1.6 pts).
Usio, Q2 2026: revenue $23.7M (+19% year over year), operating margin 1.6%, net earnings $280K, operating cash flow −$694K. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Gross margin | 24.2% | 25.8% | -1.6 pts |
| Operating margin | 1.6% | -2.0% | +3.6 pts |
| Net margin | 1.2% | -1.8% | +3.0 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Credit Card Revenue | $9.0M | $7.0M | $2.0M | +28% |
| ACH and Complementary Service Revenue | $6.3M | $5.2M | $1.1M | +21% |
| Output Solutions | $5.7M | $4.6M | $1.0M | +22% |
| Prepaid Card Services Revenue | $2.5M | $2.7M | −$273K | -10% |
| Prepaid Card Services Interest Revenue | $113K | $135K | −$22K | -17% |
| ACH and Complementary Service Interest Revenue | $91K | $177K | −$86K | -49% |
| Output Solutions Interest | $47K | $43K | $4K | +8% |
| Revenue | $23.7M | $20.0M | $3.7M | +19% |
| Gross profit | $5.7M | $5.1M | $586K | +11% |
| Cost of revenue | $18.0M | $14.8M | $3.1M | +21% |
| Other income, net | $73K | $99K | −$26K | -26% |
| Operating profit | $377K | −$397K | $774K | — |
| Operating expenses | $5.3M | $5.5M | −$188K | -3% |
| Pre-tax earnings | $450K | −$298K | $748K | — |
| SG&A | $4.6M | $4.6M | −$58K | -1% |
| Other operating costs | $769K | $899K | −$130K | -14% |
| Net earnings | $280K | −$367K | $647K | — |
| Income tax | $170K | $69K | $101K | +147% |
| Operating cash sources | $1.7M | $796K | $947K | +119% |
| Depreciation & amortization | $286K | $465K | −$179K | -38% |
| Share-based compensation | $483K | $434K | $48K | +11% |
| Cash used in operations | $694K | $264K | $430K | +163% |
| Working capital & other | $1.7M | $796K | $947K | +119% |
Questions
How much did Usio's revenue grow year over year in Q2 2026?
Usio's revenue rose $3.7M (+19%) from $20.0M in Q2 2025 to $23.7M in Q2 2026.
What drove Usio's revenue change in Q2 2026?
Credit Card Revenue +$2.0M (+28%); ACH and Complementary Service Revenue +$1.1M (+21%); Output Solutions +$1.0M (+22%).