AmeriTrust Financial Technologies (AMT) Corporate presentation summary

Business overview and strategy

• Focuses on proprietary technology to lead in auto finance, servicing, and remarketing, with a unique used vehicle leasing model in the US market.

• Offers three main revenue streams: financial origination, servicing, and auto remarketing.

• Technology enables rapid, automated lease originations and servicing, streamlining the customer and dealer experience.

• Targets creditworthy lessees with risk-based pricing and conservative residual setting, leveraging data-driven approaches.

• Licensed in 42 states, with 700+ dealers onboarded and strategic partnerships expanding reach.

Financial and operational performance

• Q2 2026 saw a 205% increase in lease contract value over Q1, with $67M in applications and $5.5M in contracted cash flows.

• Lease origination income rose from $101,985 in Q1 to $330,515 in Q2 2026.

• July originations increased 38% over June, reflecting strong dealer demand and market momentum.

• Cash balance as of June 30, 2026, was CAD $36.4M, with a market cap of CAD $272M.

• Management and insiders hold 21% of shares, with institutional/HNW investors at 56%.

Market opportunity and competitive landscape

• US vehicle sales projected at 53M units in 2025, with used car leasing penetration at only 1.5–1.7%.

• Used car leasing offers affordability, reducing monthly payments by $100–$200 versus loans.

• Platform outperforms competitors in technology, customer experience, and value chain capture.

• Lenders benefit from higher yields (150–300 bps more) and mitigated residual risk.

• Dealer demand is strong, with over 700 dealers and a robust pipeline.