Filing Flows › Usio (USIO) › How it makes money
How Usio (USIO) makes money
Usio (USIO) made $23.7M of revenue in the second quarter 2026 (Q2 2026), +19% from a year earlier. Credit Card Revenue brought in $9.0M (38%); ACH and Complementary Service Revenue brought in $6.3M (27%); Output Solutions brought in $5.7M (24%). Of every dollar of revenue, 24¢ was left as gross profit, 2¢ was left as operating profit, 1¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q2 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Credit Card Revenue | $9.0M | 38.0% | -7% | +28% |
| ACH and Complementary Service Revenue | $6.3M | 26.6% | +0.2% | +21% |
| Output Solutions | $5.7M | 23.9% | -17% | +22% |
| Prepaid Card Services Revenue | $2.5M | 10.4% | +3% | -10% |
| Prepaid Card Services Interest Revenue | $113K | 0.5% | -5% | -17% |
| ACH and Complementary Service Interest Revenue | $91K | 0.4% | -26% | -49% |
| Output Solutions Interest | $47K | 0.2% | +7% | +8% |
Where each dollar of revenue goes
| Line | Q2 2026 | % of revenue |
|---|---|---|
| Revenue | $23.7M | 100.0% |
| Cost of revenue | $18.0M | 75.8% |
| Gross profit | $5.7M | 24.2% |
| Operating expenses | $5.3M | 22.6% |
| Operating profit | $377K | 1.6% |
| Income tax | $170K | 0.7% |
| Net earnings | $280K | 1.2% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q2 2026 | $23.7M | +19% |
| Q1 2026 | $25.5M | +16% |
| Q4 2025 | $22.2M | +8% |
| Q3 2025 | $21.2M | -0.7% |
| Q2 2025 | $20.0M | -0.6% |
| Q1 2025 | $22.0M | +5% |
| Q4 2024 | $20.6M | +2% |
From Usio's 10-Q filed Aug 12, 2026 (on EDGAR).
Questions
How does Usio make money?
Usio (USIO) made $23.7M of revenue in the second quarter 2026 (Q2 2026), +19% from a year earlier. Credit Card Revenue brought in $9.0M (38%); ACH and Complementary Service Revenue brought in $6.3M (27%); Output Solutions brought in $5.7M (24%). Of every dollar of revenue, 24¢ was left as gross profit, 2¢ was left as operating profit, 1¢ was left as net earnings.
What is Usio's biggest business?
Credit Card Revenue: $9.0M in the second quarter 2026, 38% of revenue, +28% from a year earlier.
What is Usio's profit margin?
Net earnings were $280K, 1.2% of revenue, in the second quarter 2026; the operating margin was 1.6%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.