USIO

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.

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.

Financial Performance Overview: Usio, Inc. reported a record full year 2024 dollar processing volume of $7.1 billion, marking a 33% increase from the previous fiscal year, with overall revenues up in all business units despite a slight decline in total annual revenues to $82.9 million.

Future Growth Expectations: The company anticipates strong revenue growth of 14-16% for fiscal 2025, driven by its "One Usio" strategy that aims to integrate various product offerings and capitalize on new client agreements, while maintaining positive cash flow and profitability.