Usio, Inc. · NASDAQ:USIO
Usio — Investor Presentation (January 2022)
21 slides from Usio's investor presentation, Jan 26, 2022
Slide 1: Investor Presentation
© UsIO’ Investor January 26, 2021 usio.com USIO Nasdaq Listed
Slide 2: Forward Looking
FORWARD LOOKING ‘xcept forthe histor nfermatoncotainedherin, the matters dcused in tlepreventation lent, ble and expectations, suchas Thee erwarlooking "ok forward” “anit” 5 could cane aca ress to Companys growth the lor of kay reclers, he relations wth te Automated Cleenghouse ew ta eatin. and comp
Slide 3: Company Overview | Record FY'20 Revenues
Company Overview | Record FY’20 Revenues ®usio" USIO (NASDAQ: USIO)is an emerging leader inthe FinTech landscape, with solutions in Payment Facilitation, ACH, Prepaid Cards Issuing, Print & Mail and Electronic Bill Presentment and Payment eer Annual Revenue ie USIO's innovative and proprietary payme
Slide 4: Payment Industry Winners & Losers - 2024
PAYMENT INDUSTRY WINNERS & LOSERS - 2024 Payments Industry - Year to Date PCT Winners and Losers [-nank [Symbot [company vretchange [Mktvalue | 1 [US10 _ |Usio in. 63.30] 108,885,659] 2___[UEPS [Net 2 UEPST thes 8.3] ___303,239,858 3_[PRTH [Priority Technology Holdings, In. os7] 542,576,799 “4 [EvoP
Slide 5: Recent Highlights Q3/Q4 2021
RECENT HIGHLIGHTS Q3/Q4 2021 year. positive adjusted EBITDA. + $2.9 Billion Dollars Processed in Q4'21, up 215% over 4'20. + 11.3mm transactions in Q4’21. ®usio’ + Revenues were $15.8 million for Q3'21, up 94% compared to $8.1 million in the same period last + Adjusted EBITDA was a positive $1.2mm i
Slide 6: Transactions Processed Per Year
®usio’ TRANSACTIONS PROCESSED PER YEAR Annual Transactions 5 : “Transactions = processed for 2021 was 35.3MM, an ry increase of 94% over 2020. 0 s 2016 2017 2019
Slide 7: Dollars Processed Per Year
© usio’ DOLLARS PROCESSED PER YEAR Dollars Processed Annually sii ay Total revenue for 2020 om exceeded 2019 due to the - diversity of our payment oe channels. : cag —"8590° —eoe *Dollars processed for sone S216. $2,830 2021 was $9.5bn, an so increase of 184% over 200 2020. 2016 2017 2018 2019 2020
Slide 8: Dollars Processed Per Quarter
usio’ DOLLARS PROCESSED PER QUARTER Dollars Processed per Quarter $2,9000 $2,730 Sesene $2,100.0 Sunes $8524 10000 soaat “ 71 | a1 az 320 HID ata et as2t tt {In Millions $0205
Slide 9: Our ACH Model
© usio’ OUR ACH mid ACH Revenue % MODEL ‘TARGET CUSTOMER PROFILE 7 \d sumer £ TARGET VERTICALS & CHARACTERISTICS HOW WE MAKE MONEY At gms 8 S.70 | $41 |60%+ (ON A RETURN OR ORIGINATION
Slide 10: Our Prepaid Model
®usio’ OUR PREPAID 3 sa MODEL =— Prepaid Revenue % TARGET CUSTOMER PROFILE HOW WE MAKE MONEY TARGET VERTICALS & CHARACTERISTICS & ™ Se all
Slide 11: Prepaid Highlights
PREPAID HIGHLIGHTS 101% Increase in Revenue 03 2021 vs. 03 2020 $184MM Loaded on Cards in 2021 Over 150 Non-profits, Municipalities and Counties signed ‘agreements in the last 18 months Strong partnership with Mastercard® and active particip Mastercard’s Citypossible® program Industry leading virtua
Slide 12: Merchant Acquiring: Payment Facilitation
®usio’ MERCHANT ACQUIRING PAYMENT FACILITATION Payment Facilitation (PayFac) is simply the latest innovation in merchant acquiring, providing: 2020 Acquiring Revenue % + Frictionless merchant onboarding, enrollment and automated risk/underwriting procedures - which have traditionally been very manua
Slide 13: Our PayFac Model
OUR PAYFAC MODEL TARGET CUSTOMER PROFILE ®usio’ TARGET VERTICALS & CHARACTERISTICS HIGHLIGHTS av? eT] + Low R
Slide 14: Payment Facilitation Revenue Illustration
® usio’ PAYMENT FACILITATION REVENUE ILLUSTRATION Retail Cost One Transaction 100,000 Transactions 500,000 Transactions 2.75% $100 $10,000,000 $50,000,000 coGs Issuing Bank 1.95% $195 $195,000 $975,000 Card Brands 0.15% $0.15 $15,000 $75,000 Processing Expense $0.05 $0.05 $5,000 $25,000 Usio Revenue
Slide 15: Output Solutions
®usio’ OUTPUT SOLUTIONS 2020 Output Solutions TARGET CUSTOMER PROFILE Revenue % * Outsourced solution for document design, print and electron aN $15 am b -¢ postage cost and increase Projected Revenue in 2021 TARGET VERTICALS & CHARACTERISTICS C | 4 al mi PROFIT MARGIN BREAKDOWN * USPS post office l
Slide 16: Financials
© usio’ Financials
Slide 17: Revenues by Category
REVENUES BY CATEGORY Credit Card Revenue Prepaid Card Services Revenue Output Solutions Revenue Total Revenue ®usio’ ACH and Complementary Service Revenue $ Sept. 30,2021 Sept. 30,2020 $Change —_% Change 10,813,806 $ 6,080,449 $ 4,733,357 77.8% $ 18,791,129 $ 14,647,448 $ 4,143,681 28.3% $ 3,968,764
Slide 18: Non-GAAP Reconciliation
© usio’ NON-GAAP RECONCILIATION ‘Three Months Ended Nine Months Ended 30-Sep-21 30-Sep-20 30-Sep-21 30-Sep-20 Non-GAAP Reconciliation (Values in Millions) Revenues $ 15.8 $ 81 $ 44.5 $ Reconciliation from Operating Income (Loss) to Adjusted EBITDA: Operating Income (Loss) $ 02 $ (0.9) $ (0.2) $ Depr
Slide 19: Balance Sheet Highlights
®usio’ BALANCE SHEET HIGHLIGHTS Account 9/30/21 _ 12/31/20 Cash $§ 59 $ 50 Restricted Cash & SettlementFunds $ 588 $ 594 Total Assets $ 83.9 $ 82.7 Total Liabilities $ 66.7 $ 66.0 Total Equity $ 172 $ 167 Total Liability & Stockholder Equity $ 83.9 $ 827
Slide 20: Investment Summary
®usio’ INVESTMENT SUWNMARY * Innovative Leader in the Fast-Growing FinTech space * Synergistic Multi-Channel Product Portfolio * ACH * Prepaid Card Issuing * Merchant Processing * Electronic Bill Presentment & Payment * Print and Mail * Record Revenues in 2020 and on pace for another record-breaking
Slide 21: Investor
© UsIO’ Investor January 26, 2021 usio.com USIO Nasdaq Listed