Usio (USIO) Investor presentation summary

Business model and platform

• Full-stack, cloud-based payments platform spanning card acceptance, ACH, card issuing, bill presentment, and embedded financial solutions.

• Founded in 1998; 110 employees; FY25 revenue of $85.4M; FY26 revenue growth guidance of 14–16%.

• Revenue comes from processing fees, card interchange and program fees, ACH transaction fees, and print, mail, and electronic document services.

Operating activity and financial performance

• 1H 2026 processing volume reached $5.03B, up 27.1% YoY; transactions processed were 35.77M, up 23.5% YoY.

• ACH processed 13.14M transactions in 1H 2026, up 34% YoY; Q3 2026 ACH transactions, dollars, and returned checks grew 39%, 26%, and 44% YoY, respectively.

• Card issuing purchase volume was $113.7M in 1H 2026, up 9.1% YoY; Output Solutions processed 16.61M printed and mailed pieces and 58.80M electronic documents.

• 1H 2026 revenue was $49.14M, up 17.1% YoY; gross profit rose 9.2% to $10.86M and adjusted EBITDA rose 64.9% to $1.93M.

• GAAP net income was $0.40M versus a $0.60M loss in 1H 2025; diluted EPS was $0.01 versus a $0.02 loss.

Growth initiatives

• Education disbursements totaled ~$1.3B over the last 12 months; one additional state represents $1B+ in estimated potential voucher disbursements, not guaranteed volume or revenue.

• Harris Computer named the platform a preferred payments service provider; Harris serves 70,000+ utility providers, representing potential distribution reach, not guaranteed customers or revenue.

• Usio ONE, launched in 2025, coordinates sales, service, and operations across product lines to support cross-selling and deeper customer relationships.

• Usio ION combines unified payments, integrated settlement, and prefunding-account links, with potential for increased customer utility and revenue.