The raised guidance and accelerating revenue growth across all three core segments (ACH, Credit Card, Output Solutions) confirm the inflection in the company's growth trajectory. Traders should watch for continued margin expansion as the higher-margin ACH and PayFac businesses scale.
Price Chart
Executive Summary
Usio reported Q2 2026 revenue of $23.7M (+19% YoY), beating consensus of $23.7M (in-line). GAAP EPS was $0.01, beating the consensus estimate of $0.00. Adjusted EBITDA more than doubled to $1.1M (+128% YoY). The company raised its full-year 2026 revenue guidance to 14-16% growth (from 10-12%), signaling accelerating momentum across all core segments (ACH +21%, Credit Card +28%, Output Solutions +22%). This is a clear beat-and-raise quarter with strong operating leverage, warranting a bullish read.
Key Financial Metrics
Key Facts
- Revenue of $23.7M (+19% YoY) beat consensus of $23.7M (in-line).
- GAAP EPS of $0.01 beat consensus estimate of $0.00.
- Adjusted EBITDA of $1.1M more than doubled (+128% YoY) from $0.5M.
- Raised FY2026 revenue guidance to 14-16% growth, up from prior 10-12%.
- ACH revenue +21%, Credit Card +28%, Output Solutions +22% — all three core segments grew over 20%.
- Operating income of $0.4M vs a loss of ($0.4M) in the prior year period.
- Gross margin improved sequentially to 24.2% from 20.2% in Q1 2026.
Financial Impact
Revenue beat by $0.0M (in-line), EPS beat by $0.01 (100% surprise). Adjusted EBITDA doubled to $1.1M. Guidance raised by ~400bps on revenue growth.
Risk Factors
- Cash and cash equivalents declined to $6.4M from $7.4M at year-end 2025 due to annual cash outlays and capex.
- Operating cash flow for H1 2026 was $0.3M vs $1.1M in H1 2025, though the prior year benefited from a $1.5M tax refund.
- Gross margins declined YoY (24.2% vs 25.8%) due to lower high-margin interest revenue and revenue mix.
- Prepaid card services revenue declined 10% YoY, partially offsetting growth in other segments.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001437749-26-027301 |
| Document: usio20260608_8k.htm | 0001437749-26-027301 |
| Document: 0001437749-26-027301-index-headers.html | 0001437749-26-027301 |
| Document: 0001437749-26-027301-index.html | 0001437749-26-027301 |
| Document: 0001437749-26-027301.txt | 0001437749-26-027301 |
| 8-K Data (Synthetic) | 0001437749-26-027301 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 19, 2026 7d ago | 8-K | $2.85 | awaiting T+5 | — | $3.10 (+8.77%) |
Sep 29, 2026 27d ago | Press Release | $2.58 $2.83 | ▲ +9.90% | ▲ +7.95% | $3.10 (+20.39%) |
Aug 12, 2026 10w ago | 8-K | $2.59 $2.67 | ▲ +3.09% | ▲ +5.05% | $3.10 (+19.69%) |
Aug 12, 2026 10w ago | Press Release | $2.59 $2.67 | ▲ +3.09% | ▲ +5.05% | $3.10 (+19.69%) |
Apr 29, 2026 25w ago | Press Release | $1.17 $1.34 | ▲ +14.53% | ▲ +11.42% | $3.10 (+164.96%) |
Mar 18, 2026 31w ago | Press Release | $1.09 $1.12 | ▲ +2.75% | ▲ +4.96% | $3.10 (+184.40%) |
Mar 4, 2026 33w ago | Press Release | $1.39 $1.25 | ▼ −10.07% | ▼ −8.74% | $3.10 (+123.02%) |
US Market Status
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