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NamSys (CTZ) investor relations material
NamSys Planet MicroCap Showcase: TORONTO 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Industry trends and cash supply chain challenges
Cash usage has declined over the past decade but remains stable at 14%-16% of payments post-COVID, especially for in-person transactions and among unbanked populations.
Cash handling incurs significant fixed costs, including transportation, compliance, and insurance, making its relative cost rise as usage declines.
Cash in circulation grows at 2%-3% annually, with $2.3 trillion in U.S. cash circulating globally, 80% in $100 bills, often used as a store of value.
The cash supply chain is cyclical, involving ATMs, retailers, banks, and cash-in-transit companies, each with unique operational needs.
Product offerings and business model
Provides software-as-a-service for retailers, cash-in-transit companies, and cash processing centers, focusing on efficiency and security.
Revenue is highly U.S. dollar-centric (96%), with 75% from the U.S. and the rest from international markets like Mexico and the Caribbean.
Cash-in-transit companies serve as both customers and distribution channels, reselling solutions to retailers and processing centers.
Pricing is usage-based: per truck for transit, per store for retail, and per workstation for processing.
Maintains hardware agnosticism, allowing customers flexibility and reducing vendor lock-in.
Financial performance and operational strategy
Achieved consistent 10%-20% annual revenue growth over the past decade, with 99.5% recurring revenue and minimal customer churn.
Gross margins are around 60%, net margins 40%, and annual recurring revenue is $7.6 million.
Operates with no debt, a lean workforce (20 employees), and a focus on organic growth and customer success.
Financials are straightforward, with clear ownership and minimal dilution; top 10 shareholders own 70% of shares.
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