Usio, Inc. · NASDAQ:USIO
Usio — Investor Presentation (October 2019)
16 slides from Usio's investor presentation, Oct 23, 2019
Slide 1: Retail Broker Presentation
Retail Broker PRESENTATION usio.com 10/23/2019 1
Slide 2: Forward Looking Statements
Forward Looking Statements These slides and any accompanying oral presentation contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and other Federal securities laws. These forward-looking statements are identified by the use of words such as
Slide 3: Our Timeline
I> Our Timeline © usio Bi Ww 2003 2008 2017 2018 Started Payment Data Launched first Prepaid Acquired Singular Received NACHA Systems changed stock Card solution & founded Payments, a single, Certification- symbol to PYDS & FiCentive flat-rate credit card demonstrating the highest processed first pa
Slide 4: Intro Video
I> Intro Video © usiO
Slide 5: Who is USIO?
Who is USIO? Payment Enablement Growth oriented Payment Enablement Technology Provider Leveraging… Prepaid Card Issuing Prepaid Card Issuing platform and Program Manager Leader in ACH Leading ACH provider in the segments served Merchant Acquiring Credit and Debit Card processing solutions across a v
Slide 6: Key Metrics: Dollars & Transactions Processed + Revenues
KEY METRICS Dollars & Transactions Processed + Revenues $3500 14 $3,300 $3,400 $3000 12 $2,978 $2,916 Over $3.4 billion dollars and $2,830 $2500 10 14.3 million transactions $2000 8 processed in 2018. $1500 6 Transactions Volume (Volume in millions) in (Volume $1000 4 (transactions in millions) in (
Slide 7: Organic Growth Strategy
Organic Growth Strategy PAYMENT FACILITATION ACH PROCESSING Primary Growth Engine Results yield Our cash cow funds high- strong internal growth initiatives, including Payment Facilitation organic and Prepaid. growth. PREPAID CARD ISSUANCE Secondary Growth Engine 7
Slide 8: Our ACH Model
Our ACH Model TARGET CUSTOMER PROFILE KEY DIFFERENTIATORS • Consumer Driven • The only broad-industry focused NACHA • B2B Payments Certified sender • Bill Payments • Greater funding control – Same-day funding and late cutoff • Disbursements • Multiple Originating Depository Financial Institutions TA
Slide 9: Our Prepaid Model
Our Prepaid Model TARGET CUSTOMER PROFILE • SMBs needing expense management, refund disbursement, incentives, per diems, loyalty programs and more • Entities looking to migrate away from physical checks to virtual payment and funds disbursement mechanisms • Programs Managers that Fund the Cardholder
Slide 10: Our PayFac Model
Our PayFac Model SAAS and ISV TARGET PROFILE The SHORTEST path TO THE MONEY! • 100’s to 1000’s of customers today • $10’s to $100mm+ in sales annually Integrate Batch Enroll (Implement) • Adds 10-100’s of new clients monthly 1 2 • Currently not monetizing payments properly (or at all) today 3 Activa
Slide 11: Path to Revenue Illustration
Path to Revenue Illustration One Merchant Leveraged Distribution – 1,000 Merchants One Merchant processing 1,000 Merchants processing $20k/mo at 2.75% $20mm/mo at 2.75% Transaction Expenses Transaction Expenses 2.05% Issuing Bank 2.05% Issuing Bank .15% Card Brands .15% Card Brands .05% Processing E
Slide 12: We participate in the fastest growing segment of the payments sector
We participate in the fastest growing segment of the payments sector *According to Boston Consulting Group’s “Global Payments: The Interactive Edition” 12
Slide 13: Appendix
APPENDIX
Slide 14: Investor Highlights
Investor Highlights Share Price $1.98 10/22/2019 52-week $1.38 range $3.82 Cash $ 3.3m Shares outstanding 16.85 m Debt $ 0 Market Cap $33.8m 14
Slide 15: Income Statement Highlights
Income Statement Highlights Annual Revenue 2018 $25.0 MILLION $5.6 Adjusted EBITDA Gross Profit 2018 2018 $(0.6) Annual Revenue 2017 2017 $(0.6) $14.6 $3.8 MILLION Gross Profit 2017 15
Slide 16: Non-GAAP Reconciliation
Non-GAAP Reconciliation Twelve Months Ended Three Months Ended _—Six Months Ended 31-Dec-18 31-Dec-17 31-Mar-19 Mar 31,2018 30-Jun-19 30-Jun-18 (Values in Millions) Revenues $ 250 $ 146 $ 6.6 $ 58 $ 13.7 $ 121 Reconciliation from Operating Income (Loss) to Adjusted EBITDA: Operating Income (Loss) $