PSQ Holdings (PSQH) investor relations material

Strategic focus and business transformation

• Divesting non-core assets, including EveryLife and Marketplace, to focus on payments, credit, digital assets, and the PSQ Impact fundraising platform, aiming to bolster the balance sheet and accelerate fintech innovation.

• Transitioning to a consolidated fintech enterprise with a bundled product approach for sticky merchant relationships and transaction-level revenue generation.

• Emphasizing values-driven, cancel-proof financial services for underserved and debanked merchants and consumers, with a focus on trust-based relationships and values alignment.

• Launching PSQ Impact to serve conservative campaigns and nonprofits with low-fee, crypto-enabled fundraising tools and marketing services.

• Sees a massive opportunity in the $84 trillion wealth transfer to digital-first, values-motivated younger generations.

Product innovation and ecosystem development

• Unified platform integrates payments, credit, digital assets, and treasury services for merchants and consumers, featuring modern APIs, multi-bank resilience, and support for ACH, C2B, and B2B transactions.

• Credit solutions include embeddable financing, private label cards, and installment options, targeting small and mid-sized merchants for increased sales and loyalty.

• Proprietary economic forecasting and AI-driven decision-making guide risk management and product strategy, informed by Austrian School economics.

• Treasury as a Service and DeFi yield stack empower merchants to manage and invest crypto/stablecoins, turning dormant capital into productive assets.

• Digital asset capabilities, through partnerships like IDX, enable merchants to manage crypto treasuries and accept crypto payments.

Financial guidance and growth outlook

• Projected fintech revenue of $16.5M in 2025 and over $32M in 2026, representing 100% year-over-year growth, driven by payments, credit, digital assets, and PSQ Impact.

• Monetization of divested assets expected to fund fintech innovation, reduce cash burn, and improve gross margin, with a capital-light, scalable model.

• Peer group analysis suggests a blended 10x revenue multiple, with management viewing current equity as significantly undervalued.

• Management and board express long-term confidence, with prior open market purchases and intent to increase holdings as permitted.

• Monetization strategy includes bundled product offerings and transaction-level revenue generation.