Usio, Inc. · NASDAQ:USIO
Usio — Shareholder Meeting (June 2025)
30 slides from Usio's shareholder meeting presentation, Jun 11, 2025
Slide 1: 2025 Annual Shareholder Meeting
®usio 2025 Annual Shareholder Meeting Nasdaq: USIO
Slide 2: Embedded Payments Made Simple
®usio Embedded Payments Made Simple Nasdaq: USIO
Slide 3: Forward Looking Statements
®usio Nasdaq: USIO Except or the historical information contained herein, the matters discussed in this presentation include forward-looking Forward statements hich are covered under the safe harbors provision ofthe Privat Secures Litton Reform Act of 1865 (PSLRA). Those Looki ng ‘statements include
Slide 4: Founded in 1998
Founded in 1998. Nacha Certified & HIPAA Compliant Publicly Traded: Nasdaq: USIO Usio isa leading FinTech that operates a full stack of proprietary and integrated, cloud-based electronic payment acceptance and issuance, and embedded financial solutions to awide range of merchants, billers, banks, se
Slide 5: Louis Hoch, Chairman, President & CEO
Louis Hoch Chairman, President & CEO
Slide 6: Shareholder Highlights
Shareholder Highlights Usio.com | ©2025 Usio, Inc 26.5 Million Shares Outstanding As Of March 31, 2025 15.8 Million Shares Of Public Float As Of March 31, 2025 Nasdaq: USIO 10.7 Million Shares Of Insider Ownership As Of March 31, 2025
Slide 7: Full Service Payments Platform
®usio Usio.com Full Service Payments Platform Nasdaq: USIO Business Lines Payment Facilitation Credit and debit card processing, primarily focused on our partnership- focused sales model with ACH Electronic payments through the ACH network, facilitating transfer of funds between bank accounts. Card
Slide 8: Diverse Offerings
®usio Diverse Offerings Nasdaq: USIO Business Lines Payment Facilitation ACH Card Issuing Output Solutions Description Embedded and integrated payment solutions tailor made for diverse markets Leading ACH processing solutions for merchants Physical / virtual payment cards for governments / non-profi
Slide 9: Offerings Summary
Offerings Summary The Usio platform provides a diverse Diversification provides stable top-line Only the largest payment technology range of payments technology and growth, even in macro cycles organizations are able to offer the services for its customers. Broad solution breadth of solutions provid
Slide 10: Unique and Attractive End Markets
Unique and Attractive End Markets Usio’s acquiring segment supports innova embedding payments to fuel growth, while ot serve FinTechs, governments, non-profit Government Nonprofits Utilities/Financial Institutions enechurch 2 / EDC = fie practicesuite FANCARDS @) eye NextChapter onbe: , 2 LEXICON a
Slide 11: Multiple Levers for Future Growth
®usio Multiple Levers for Future Growth New ISVs + i Customers Our operating leverage Opportunity to continue allows us to scale Launch new innovative to penetrate merchant profitably as we grow solutions: government, base beyond the 62% non-profits and penetration today corporations Merchant Penetr
Slide 12: Revenue Grew 7x Since 2016
$100 MILLIONS Usio.com | ©2025 Usio, ine $80 $60 $40 $20 $0 Revenue Grew 7x Since 2016 71% 13% 21% $25 $28 $15 2017A 2018A 20194 Card Issuing business grew from $323K in 2016 to $19M in 2023 92% $62 15% $32 2020A 2021A Payment Facilitation grew from launching in 2018 to a $14M business in 2024 12% $
Slide 13: Meaningful Achievements Q1 2025
Meaningful Achievements Q1 2025 Usio.com | ©2025 Usio, ine ae Development of Checkout and Usio One to expand our offerings for customers Increased merchant penetration of ISVs year-over-year from Delivered gross revenue growth on a consolidated basis Increased cash position by through operations Exe
Slide 14: Volume Performance Highlights
Volume Performance Highlights alan +23% YoY Gross Net Revenue Revenue $22mm $9.7mm +5% YoY Gross Revenue ($ in mm) $21 Q1 2024 Usio.com | ©2025 Usio, ine $22 Q1 2025 Adj. Net EPS EBITDA Income ~$670k $(230k) $(0.01) Adj. EBITDA ($ in mm) $0.8 $0.7 Q1 2024 Q1 2025 14
Slide 15: Segment Financial Performance
Gross Revenue Net Revenue On Gross Revenue On Net Revenue Usio.com | ©2025 Usio, ine Segment Financial Performance $4.6mm $1.2mm 9% 34% $2.3mm $3.1mm $5.8mm $2.3mm $2.7mm $1.6mm 57% 22% 22% 57% 25% 56% (1) Excludes legacy credit card processing and complementary services such as RCC and pinless debi
Slide 16: New Innovations
®usio New Innovations Usio is constantly developing new technologies to stay the forefront of innovation in the payment space, including real-time payments, lending technologies, among others. Innovative Proprietary Technology a In-House Solution Usio securely handles payment transaction, including
Slide 17: Innovative Proprietary Technology
®usio Efficient Usio's proprietary platform, built in-house, allows merchants to process payments quickly and efficiently, while also providing robust security measures to protect their business and customers’ sensitive information. Modular Utilizes a hub-and-spoke infrastructure allows for a modula
Slide 18: Investment Thesis
®usio Investment Thesis | B» Innovative Unique And Diverse Multiple Levers Proprietary Attractive End Payment pag. For Future a Technology Markets Offerings YW rowt ie vo a Nasdaq: USIO
Slide 19: Drive Consistent Growth
®usio Nasdaq: USIO Drive Consistent Growth Key Drivers of Shareholder Value . Achieve annual Net Revenue growth above 15% Focus on Profitability Achieve 10%+ EBITDA margin while maintaining mid-20% gross margins Usio.com | ©2025 Usio, inc 19
Slide 20: Financials
Financials Michael White SVP, Chief Accounting Officer
Slide 21: 2025 Outlook
2025 Outlook Revenue Adj. EBITDA $94.5M (to) $96.2M 14% Growth 16% Growth $4.8M ‘to $6.8M 5% Margin 7% Margin Nasdaq: USIO 21
Slide 22: GAAP Reconciliation
GAAP Reconciliation Twelve Months Ended Three Months Ended 31-Dec-24 31D. 31-Mar-25 31-Mar-24 (Values in Millions) Revenues Reconciliation from Operating Income (Loss) to Adjusted EBITDA: Operating Income (Loss) $ (1.5) $ (0.4) $ (0.2) $ Depreciation and Amortization $ ad S as O58 EBITDA $ 08 $ 16 $
Slide 23: Balance Sheet
Balance Sheet Account 3/31/2025 12/31/2024 Cash S$ 8.7 8.1 Restricted Cash & Settlement Funds 81.6 77.6 Total Assets 109.6 107.2 Short-term/Long-term Debt S$ 0.7 $s 0.7 Total Liabilities Ss. 90.6 S$ 88.1 Total Equity S 19.0 Ss 19.2 Total Liability & Stockholder Equity $ 109.6 $s 107.2 Usio.com | ©20
Slide 24: Payment Acceptance
Payment Acceptance Greg Carter Chief Revenue Officer
Slide 25: Payment Facilitation
®usio Payment Facilitation Payment Facilitation (PayFac) is the latest innovation in merchant acquiring, providing frictionless merchant onboarding, enrollment and automated risk/underwriting procedures - which have traditionally been very manual processes - to provide for mass adoption and scale in
Slide 26: How We Make Money (ACH)
HOW WE MAKE MONEY Usio is the Fintech leader in payments and a Nacha Certified provider that streamlines payment acceptance and minimizes processing costs. Usio provides ON AVERAGE WE EARN ACH processing at a fraction of the cost than credit or debit cards. Usio is unique $ 70 in that we are the lon
Slide 27: Card Issuing
Card Issuing Jerry Uffner SVP, Card Issuing
Slide 28: Card Issuing
®usio Card Issuing HOW WE MAKE MONEY Usio operates as both the program manager and issuer processor, providing web and mobile a CLIENTFEES PER CARD CREATED apps, transaction processing, customer service and compliance in a true tum-key solution. FinTech's, Governments, non-profits and SMBs needing a
Slide 29: Output Solutions
Output Solutions Sy Green SVP, Output Solutions
Slide 30: Output Solutions
®usio Output Solutions Usio.com | ©2025 Usio, ine Usio offers document design, print and electronic delivery or via US Post Office. Perfect for entities looking to reduce postage cost, automate the billing processes and increase operational efficiencies. Output's customer base is primarily financial