Usio, Inc. (USIO) Q3 2025 Earnings Call Transcript
Overall transaction volume 16.2 million, up 8% year-over-year. Reasons for change: Strong across-the-board processing volumes.
ACH revenue Up 30% year-over-year. Reasons for change: Strong growth in high-margin ACH business, new deals, and growth of existing customers.
Adjusted EBITDA $368,000, down from $500,000 in the second quarter and also down year-over-year. Reasons for change: Not explicitly mentioned.
Operating cash flow $1.4 million. Reasons for change: Reflects continued strength of the business.
Cash balance Over $7.8 million, up over $200,000 in the past 3 months. Reasons for change: Positive cash flow.
Card dollars processed Up 12% year-over-year. Reasons for change: Growth in Payfac business and net new client implementations.
Card transactions processed Up 75% year-over-year. Reasons for change: Growth in Payfac business and net new client implementations.
Payfac revenues Up 32% year-over-year. Reasons for change: Net new client implementations.
PINless debit transactions processed Up 96% year-over-year. Reasons for change: Growth in mortgage servicing and fintech industries.
PINless debit dollars processed Up 87% year-over-year. Reasons for change: Growth in mortgage servicing and fintech industries.
Electronic-only documents delivered 20 million pieces, up about 500,000 from a year ago. Reasons for change: Fundamental core growth.
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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.
