Usio Inc Q4 revenue misses analyst estimates

Usio

18/03/2026 20:11

Overview

U.S. fintech firm's Q4 revenue grew 8% yr/yr but missed analyst expectations

Adjusted EBITDA for Q4 was negative, reflecting lower gross margins and higher SG&A expense

Company repurchased $0.3 mln shares during Q4 as part of its buyback program

Outlook

Usio expects 2026 revenue growth of 10-12%

Company anticipates continued positive Adjusted EBITDA in 2026

Result Drivers

ACH GROWTH - ACH and complementary services revenue rose 33% yr/yr, driven by increased processing volume and cross-selling into credit card and prepaid accounts

CREDIT CARD BUSINESS - Credit card revenue grew 7% in Q4

MARGIN PRESSURE - Gross margins declined due to shift in revenue mix toward lower margin ACH services and reduced interest revenues

Company press release: ID:nGNXbb5x8h

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
Miss
$22.2 mln
$23.28 mln (4 Analysts)
Q4 EPS
-$0.05
Q4 Net Income
-$1.5 mln
Q4 Adjusted EBITDA
-$200,000


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 4 "strong buy" or "buy", no "hold" and 1 "sell" or "strong sell"

The average consensus recommendation for the business support services peer group is "buy"

Wall Street's median 12-month price target for Usio Inc is $5.25, about 320% above its March 17 closing price of $1.25

The stock recently traded at 26 times the next 12-month earnings vs. a P/E of 35 three months ago

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)