Explore Companies BySectors & Categories
Explore Companies ByUse Cases
Explore Companies ByProducts & Services
Explore Companies ByRankings & Reviews
Featured NewsCompaniesMarketsCryptoTechRegulatoryCommentaryUKUSWorldMore

    Latest Wires

      Daily Newsletter

      LF Daily News

      Daily industry focused newsletter giving you an overview for the financial & finTech industry.

      See All Newsletters
      By clicking "Sign Up" you are agreeing to our Terms of Service and Privacy Policy

      Usio Reports Q3 2026 Revenue Up 12% As Adjusted EBITDA Rises 222%

      Published: just now

      Usio

      Usio, Inc. (Nasdaq: USIO), a FinTech company that operates a full stack of integrated, cloud-based electronic payment and embedded financial solutions, has reported its financial results for the third quarter ended 30 September 2026.

      Revenue for the quarter was $23.8 million, up 12% from $21.2 million a year earlier, with increases across all business lines. Gross profit rose approximately 18% to $5.7 million, and gross margin expanded to 24.1% from 23.0%. Adjusted EBITDA was $1.2 million, up 222%, and Adjusted EBITDA margin expanded to 5.0% from 1.7%. Usio reported GAAP net income of approximately $0.2 million, or $0.01 per share, compared with a net loss of $0.4 million, or $0.02 per share, in the third quarter of 2025.

      Total payment dollars processed across all channels rose 25% to $2.73 billion, while total payment transactions grew 27% to 20.7 million. ACH electronic check transaction volume increased 39%, a new quarterly record for the sixth consecutive quarter. Credit card revenues rose 18%, driven by a 29% increase in PayFac revenues, which now account for more than 75% of total credit card revenues. Output Solutions revenue grew 14%.

      Louis Hoch

      Louis Hoch, President and Chief Executive Officer, Usio

      Louis Hoch, President and Chief Executive Officer, Usio said:

      "It was another strong quarter for Usio, with revenue increasing 12% and Adjusted EBITDA rising 222%, driven by sustained transaction growth and improving operating leverage. Total payment dollars processed increased 25% to $2.73 billion, while total payment transactions grew 27% to 20.7 million. ACH transactions increased 39%, setting a new quarterly record for the sixth consecutive quarter. Importantly, this growth is translating into meaningful bottom-line improvement. Adjusted EBITDA margin expanded to 5.0% from 1.7% a year ago, GAAP operating income improved by approximately $743,000, and we delivered our third consecutive quarter of positive GAAP net income. For the first nine months of 2026, Adjusted EBITDA more than doubled, while operating cash flow increased 133% to $3.3 million. Consequently, we are re-iterating our guidance of 14-16% revenue growth versus the prior year, alongside record Adjusted EBITDA."


      Revenues for the first nine months of 2026 were $72.9 million, up 15% from $63.2 million. Cash exceeded $7.3 million at 30 September 2026, an increase of approximately $900,000 over three months, and the company used approximately $499,000 to repurchase 327,000 shares during the nine-month period.

      Louis Hoch added:

      "Looking ahead, we are particularly encouraged by the opportunities presented by Usio Ion and our recently announced strategic partnership with Harris Computer. Ion has the potential to deepen our existing customer relationships, expand our third-party owned deposit base and generate incremental high-margin interest revenue, while our preferred payments provider relationship with Harris expands our reach into the utility market. We believe both initiatives can contribute meaningfully to our long-term growth and operating leverage as adoption and implementation progress. It is exciting to soon enter 2027 with these two catalysts on top of the organic growth we are already experiencing."


      Found this interesting? Become a member of LiquidityFinder and get daily industry news direct to your inbox, join here.

      We're the largest marketplace to connect with brokers, Fintech companies & digital asset firms. Want to partner? Let's get in touch.

      This content may have been written by a third party. LiquidityFinder makes no representation or warranty and assumes no liability as to the accuracy or completeness of the information provided, nor any loss arising from any investment based on a recommendation, forecast or other information supplies by any third-party. This content is information only, and does not constitute financial, investment or other advice on which you can rely.
      Comments
      Most Recent
      Written By
      profile image formember on LiquidityFinder
      Business Analyst, LiquidityFinder

      Bhargav Dharap is a Business Analyst at LiquidityFinder. His work spans business strategy, marketing, public relations, communications and operations.

      Daily Newsletter

      LF Daily News

      Daily industry focused newsletter giving you an overview for the financial & finTech industry.

      See All Newsletters
      By clicking "Sign Up" you are agreeing to our Terms of Service and Privacy Policy
      RSS Feeds

      Create a custom RSS Feed

      Select the categories and companies you wish to follow directly to your person rss feed.

      Create Custom RSS Feed

      Related Categories:

      Related Tags:

      #Usio#Payments#Earnings#ACH#PayFac

      Related Articles:

      Find The Right Partners for
      Your Trading Business

      Sign up and join over 5,000 professional members who receive personalized news alerts, curated professional connections, and more for free!

      Create Your FREE Account
      Get access to latest news, updates, real-time data, brokerage and trading firm insights and customized information feeds.

      Usio has reported third quarter 2026 revenue of $23.8 million, up 12%, with Adjusted EBITDA up 222% to $1.2 million, total payment dollars processed up 25% to $2.73 billion and a sixth consecutive quarterly record in ACH transactions, and has reiterated its guidance of 14% to 16% revenue growth for 2026.

      just now

      Macquarie Bank has admitted failures in how it promoted its Welcome Rate offer for new savings account customers, with ASIC and Macquarie jointly proposing a $14 million penalty to the NSW Supreme Court, on top of $8.8 million in remediation that Macquarie has already paid to nearly 40,000 customers.

      just now

      Alta, a new blockchain designed for banks and payment firms, has raised a $47.5 million Series A led by Index Ventures, with GV joining, taking total funding to $80 million. What caught my eye is that Airwallex CEO Jack Zhang is a co-founder and Airwallex is an early design partner, giving Alta access to fiat rails in around 200 countries from day one. Privacy and compliance built into the chain itself is exactly what institutions have been asking for.

      just now

      DriveWealth, the embedded brokerage engine behind a long list of fintech apps, has secured MiCA authorisation from the Bank of Lithuania. Its EU entity already held a MiFID II licence, so one Vilnius-based firm can now offer partners securities and crypto-assets under a single regulatory roof, with crypto services due in the new year. Add the recent Ripple tie-up for RLUSD settlement and the direction is obvious: stocks, stablecoins and tokenised assets through one API. A shot across the bows for white-label brokerage rivals in Europe.

      just now

      Revolut has been handed a conditional banking licence by the Bank of Israel, only the third new bank licence there since 2019 in a market long dominated by Hapoalim and Leumi. It cannot take customers yet, but with former Leumi chairman Muli Ben Zvi and ex-Pepper CEO Uri Nathan running the show, it clearly means business. Israel is a sophisticated, internationally minded market where FX and cross-border payments matter, so Revolut's multi-currency proposition should land well. Another notch on a remarkable 2026 licence tally.

      just now

      Two weeks after launching round-the-clock RFQ trading in DAX 40 shares on 360X, Deutsche Börse has gone further: all 40 DAX constituents are now available as tokenised xStocks, built with Kraken parent Payward and within reach of investors in more than 110 markets. When an exchange group of this calibre distributes its own blue chips on-chain, tokenised equities stop being a crypto-native experiment. Brokers offering German stock CFDs to Asian and LatAm clients should be paying close attention.

      just now

      eToro's Q3 numbers made for uncomfortable reading. Net income fell 74% to $15 million and net contribution slipped 13% to $186 million as crypto activity cooled, and the shares touched an all-time low. Yet funded accounts grew 18% to 4.39 million, so the client franchise is intact; this is a revenue mix problem, not a growth problem. The $250 million buyback tells you management thinks the market has it wrong. My take: the multi-asset story only works if capital markets can carry the quarters when crypto goes quiet.

      just now

      Challenge rules are a prop firm’s first line of defence – but only if they can be enforced. Straight from the dealing room, this guide shows how to write measurable rules, what a realistic funded-account rulebook looks like, how to catch network-level abuse early, and how Broktinger validates every payout against 45 checks.

      just now

      MultiBank Group has announced the formation of a predominantly Emirati Board of Directors for MultiBank Exchange Holding, the first interbank trading platform in the BRICS and emerging countries, which achieved in October 2026 a turnover of over US$ 0.5 Trillion.

      just now

      Monday saw a sharp rebound in Wall Street, with the Dow Jones rising 2.2%, the S&P 500 2.4%, and the Nasdaq 2.7%.

      just now
      Feed