Usio Reports Over $8.4 Billion in Payment Volume for 2025
Usio has published its 2025 annual shareholder letter from Chairman and CEO, Louis Hoch. "Throughout 2025, Usio continued to execute on our mission of delivering secure, scalable, and integrated electronic payment and embedded financial solutions. Our diversified platform, spanning ACH, credit and debit card processing, payment facilitation, card issuing and output services, enables us to meet the evolving market while deepening and expanding client relationships across a wide range of industries... While we are finalizing our financial 2025 results and the completion of the audit by our independent public accounting firm, preliminary data indicates that we processed more than $8.4 billion in payment volume, up from $7.1 billion in 2024, representing a 19% year-over-year increase. Total payment transactions processed exceeded 60.4 million, compared to 47 million in the prior year, an increase of 29%. Operational momentum accelerated throughout the year. In the third quarter, our ACH division achieved all-time quarterly records across all key processing metrics, while our PINless debit service delivered record quarterly transaction volumes and dollars processed... Looking ahead, we believe the Card Issuing business is well positioned for a strong recovery... In 2025, we expect to report record revenues, driven by robust increases in payment volumes and momentum in high-growth segments such as ACH and Real-time payments such as PINless debit... Our balance sheet remains strong with ample liquidity to support operations, strategic initiatives, and share repurchases... We made meaningful investments in our go-to-market strategy and technology stack... Entering 2026, we are energized by the momentum we've built. Our strategic priorities include: Scaling recurring revenue streams and deepening partner relationships; Expanding our offerings to include more emerging payment technologies; Continuing to pursue disciplined, accretive opportunities that align with our core competencies; Enhancing shareholder value through operational execution and prudent capital allocation. The successful integration of our PostCredit, a recent acquisition which will allow us to lever banking services for our customer base via our relationship with our various bank sponsors."
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Usio Acquires PostCredit in All-Stock Deal
Acquisition Announcement: Usio, Inc. has acquired PostCredit, Co. in an all-stock transaction to enhance its electronic payment processing services.
Integration Plans: The acquisition aims to integrate PostCredit's technology with Usio's existing payment infrastructure, including ACH, real-time payments, and card-issuing programs.
Comprehensive Solutions: The combined platform will offer a comprehensive business-banking and expense-management solution, serving as a central hub for corporate cards and accounts payable/receivable capabilities.
Author's Views: The opinions expressed in the article are those of the author and do not necessarily reflect the views of Nasdaq, Inc.
Usio Acquires PostCredit to Expand Business Banking Services
- Strategic Acquisition: Usio has acquired PostCredit in an all-stock transaction, with PostCredit's modern expense management and business banking platform designed for the film and entertainment industry, which is expected to enhance Usio's competitiveness across multiple sectors.
- Technology Integration: By integrating PostCredit's technology with Usio's payment infrastructure, Usio plans to deliver a comprehensive business banking and expense management solution, enhancing clients' payment experiences and financial management capabilities.
- Market Expansion: PostCredit's technology will enable Usio to offer services to a broader market, and combined with Usio's payment processing capabilities, it is expected to attract more industry clients and accelerate business growth.
- Leadership Support: PostCredit co-founder Benjamin Liu will remain involved as a consultant to ensure a smooth transition of the technology into the Usio ecosystem, further driving the platform's rapid development.
Transcript of Usio's (USIO) Earnings Call for Q3 2025
- Author's Perspective: The views and opinions presented are solely those of the author.
- No Official Endorsement: The content does not necessarily reflect the views of Nasdaq, Inc.
Green Dot (GDOT) Exceeds Expectations in Q3 Earnings and Revenue
Earnings Performance: Green Dot (GDOT) reported quarterly earnings of $0.06 per share, exceeding expectations of a loss and marking a 154.55% earnings surprise. The company has consistently surpassed consensus EPS estimates over the last four quarters.
Revenue Growth: The company generated revenues of $491.85 million for the quarter, surpassing estimates and showing significant growth from $406.02 million a year ago.
Stock Outlook: Despite the positive earnings report, Green Dot's stock is currently rated Zacks Rank #4 (Sell) due to unfavorable estimate revisions, suggesting potential underperformance in the near future.
Industry Context: The Financial Transaction Services industry, to which Green Dot belongs, is currently ranked in the bottom 35% of Zacks industries, indicating a challenging environment that could impact stock performance.
Usio reiterates 14%-16% revenue growth target as Usio ONE initiative gains momentum
Management Insights: Usio, Inc. reported record first-quarter revenues with a 34% increase in processing volume and an adjusted EBITDA rise to $700,000. The company expects 14% to 16% revenue growth for the year, driven by the newly launched Usio ONE initiative and strong performance in ACH and card issuing.
Financial Outlook and Concerns: Management expressed confidence in future growth despite some margin softness due to revenue mix and declining interest revenue from customer funds. Analysts noted concerns about margin sustainability and cost-effective scaling, but management highlighted operational efficiencies and technology investments as key strengths.
Usio to Host First Quarter 2025 Conference Call to Discuss Results and Provide Company Update on May 14, 2025
Financial Results Announcement: Usio, Inc. will release its first quarter 2025 financial results on May 14, 2025, followed by a conference call at 4:30 p.m. Eastern time for a business update and Q&A session.
Company Overview: Usio, Inc. is a cloud-based FinTech provider offering integrated electronic payment solutions, including credit, debit/prepaid, and ACH processing, along with services related to electronic bill presentment and document management.
Usio Acquires PostCredit in All-Stock Deal
Acquisition Announcement: Usio, Inc. has acquired PostCredit, Co. in an all-stock transaction to enhance its electronic payment processing services.
Integration Plans: The acquisition aims to integrate PostCredit's technology with Usio's existing payment infrastructure, including ACH, real-time payments, and card-issuing programs.
Comprehensive Solutions: The combined platform will offer a comprehensive business-banking and expense-management solution, serving as a central hub for corporate cards and accounts payable/receivable capabilities.
Author's Views: The opinions expressed in the article are those of the author and do not necessarily reflect the views of Nasdaq, Inc.
Usio Acquires PostCredit to Expand Business Banking Services
- Strategic Acquisition: Usio has acquired PostCredit in an all-stock transaction, with PostCredit's modern expense management and business banking platform designed for the film and entertainment industry, which is expected to enhance Usio's competitiveness across multiple sectors.
- Technology Integration: By integrating PostCredit's technology with Usio's payment infrastructure, Usio plans to deliver a comprehensive business banking and expense management solution, enhancing clients' payment experiences and financial management capabilities.
- Market Expansion: PostCredit's technology will enable Usio to offer services to a broader market, and combined with Usio's payment processing capabilities, it is expected to attract more industry clients and accelerate business growth.
- Leadership Support: PostCredit co-founder Benjamin Liu will remain involved as a consultant to ensure a smooth transition of the technology into the Usio ecosystem, further driving the platform's rapid development.
Transcript of Usio's (USIO) Earnings Call for Q3 2025
- Author's Perspective: The views and opinions presented are solely those of the author.
- No Official Endorsement: The content does not necessarily reflect the views of Nasdaq, Inc.
Green Dot (GDOT) Exceeds Expectations in Q3 Earnings and Revenue
Earnings Performance: Green Dot (GDOT) reported quarterly earnings of $0.06 per share, exceeding expectations of a loss and marking a 154.55% earnings surprise. The company has consistently surpassed consensus EPS estimates over the last four quarters.
Revenue Growth: The company generated revenues of $491.85 million for the quarter, surpassing estimates and showing significant growth from $406.02 million a year ago.
Stock Outlook: Despite the positive earnings report, Green Dot's stock is currently rated Zacks Rank #4 (Sell) due to unfavorable estimate revisions, suggesting potential underperformance in the near future.
Industry Context: The Financial Transaction Services industry, to which Green Dot belongs, is currently ranked in the bottom 35% of Zacks industries, indicating a challenging environment that could impact stock performance.
Usio reiterates 14%-16% revenue growth target as Usio ONE initiative gains momentum
Management Insights: Usio, Inc. reported record first-quarter revenues with a 34% increase in processing volume and an adjusted EBITDA rise to $700,000. The company expects 14% to 16% revenue growth for the year, driven by the newly launched Usio ONE initiative and strong performance in ACH and card issuing.
Financial Outlook and Concerns: Management expressed confidence in future growth despite some margin softness due to revenue mix and declining interest revenue from customer funds. Analysts noted concerns about margin sustainability and cost-effective scaling, but management highlighted operational efficiencies and technology investments as key strengths.
Usio to Host First Quarter 2025 Conference Call to Discuss Results and Provide Company Update on May 14, 2025
Financial Results Announcement: Usio, Inc. will release its first quarter 2025 financial results on May 14, 2025, followed by a conference call at 4:30 p.m. Eastern time for a business update and Q&A session.
Company Overview: Usio, Inc. is a cloud-based FinTech provider offering integrated electronic payment solutions, including credit, debit/prepaid, and ACH processing, along with services related to electronic bill presentment and document management.
