Usio, Inc. · NASDAQ:USIO
Usio — Investor Presentation (October 2022)
16 slides from Usio's investor presentation, Oct 5, 2022
Slide 1: Making Payments Simple
5 Making Payments Simple ®usio | Nasdaq: USIO | October 2022
Slide 2: Forward Looking Statements
Forward Looking Statements
Slide 3: www.usio.com
www.usio.com
Slide 4: Investment Summary
Investment Summary INNOVATIVE LEADER, DIVERSIFIED ‘© Payment Facilitation © ACH ‘¢ Prepaid Card Issuing L_<« output solutions ®usio Cash Flow 184% PROCESSED = 92% 2 25.5m YoY REVENUE ‘SHARES sor.om@ | 17.6m #2 PUBLIC FLOAT RECORD REVENUES v $f 12-18% oim # 2022 EXPECTED INSIDER OWNERSHIP REVENUE GRO
Slide 5: Highlights
Highlights 94° St & INCREASE 8 INCREASE
Slide 6: Annual Revenue
$80 $60 $40 $2 8 so $24.0 a 2018 Annual Revenue a 2 _ _ $61.9 2021 $69.0-73.0- ®usio
Slide 7: Product Portfolio
®usio Product Portfolio = aA ~@ =EeJ - Automated Prepaid Card Output Facilitation Check (ACH) Issuing Solutions
Slide 8: Payment Facilitation
®usio PAYMENT FACILITATION BASED ON 100,000 TRANSACTIONS RETAIL PRICE 2.75% + $.25° TOTAL COGS 2.05% + §.05 REVENUE SHARE (50%) BD 40.6% i 2 (OF REVENUE 2021 YoY PAYFAC | YoY MERCHANT vane | “aca” | 949,000 GROWTH REVENUE GROWTH GROSS MARGIN % 15%
Slide 9: Automated Check (ACH)
AUTOMATED CHECK (ACH) 24.9% OF REVENUE 2021 Poon) 8 2% GROWTH ®usio ON AVERAGE WEEARN $.70 NET REVENUE PER TRANSACTION $.41 MARGINS 10%+
Slide 10: Prepaid Card Issuing
®usio PREPAID CARD ISSUING eaewirees $.35-$4 INTERCHANGE 1-2% CARDHOLDER FEES & SPOILAGE wm 10.6% | Q 107% — | 2-4% OF 2021 REVENUE YoY REVENUE oe 30-40%
Slide 11: Print Output Solutions
®usio PRINT OUTPUT SOLUTIONS | -seeelll POSTAGE $.01 Se 28%, | gs 1.175% | $038.05 OF 2021 REVENUE yj YoY REVENUE = GROWTH ee 15-20%
Slide 12: Non-GAAP Reconciliation
Non-GAAP ®usio Reconciliation Non-GAAP Reconciliation ‘Twelve Months Ended ‘Three Months Ended ‘Six Months Ended B1Dec21 — 34Dec20 30-Jun-22 © -30un21 30-un-22 30-Jun-21 values in Millions) Revenues 69 $23 $ 62 S13 $343 S287 Reconciliation from Operating income (Coss) to Adjusted E9rTDA: Operating i
Slide 13: Balance Sheet
®usio Balance Sheet Account 6/30/22 12/31/21 Cash $ sa $ 73 Restricted Cash & Settlement Funds $ 588 $ 1068 Total Assets $822 $ 1337 = = Total Liabilities $ 666 $ 115.0 Total Equity $ 156 $ 187 Total Liability & Stockholder Equity $ 822 $ 133.7
Slide 14: Senior Management
®usio Senior Management oO@O Louis Hoch Tom Jewell Greg Carter Houston Frost
Slide 15: Investment Summary
Investment Summary INNOVATIVE LEADER, DIVERSIFIED ‘© Payment Facilitation © ACH ‘¢ Prepaid Card Issuing L_<« output solutions ®usio Cash Flow 184% PROCESSED = 92% 2 25.5m YoY REVENUE ‘SHARES sor.om@ | 17.6m #2 PUBLIC FLOAT RECORD REVENUES v $f 12-18% oim # 2022 EXPECTED INSIDER OWNERSHIP REVENUE GRO
Slide 16: Paul M. Manley
Paul M. Manley S usiO Senior Vice President-Investor Relations m. 612.834.1804 e. paul. manley@usio.com