Usio (USIO) Investor presentation summary

Business overview

• Operates a full stack of proprietary, integrated, cloud-based electronic payment and embedded financial solutions for merchants, billers, banks, and card issuers.

• Services include card and ACH payment processing, card issuing, and bill presentment.

• Trusted by a diverse client base including top businesses, nonprofits, and government entities nationwide.

Core business lines and revenue breakdown

• Payment Facilitation (PayFac) contributed 35% of 2025 revenue, leveraging ISV partnerships for scalable merchant onboarding and monetization.

• ACH processing accounted for 27% of 2025 revenue, offering high-margin, low-cost transactions and direct Fed access.

• Card Issuing generated 14% of 2025 revenue, serving fintechs, governments, and SMBs with both physical and virtual cards.

• Output Solutions made up 24% of 2025 revenue, providing document design, print, and electronic delivery for financial institutions and utilities.

Financial performance and growth

• Revenue grew 7x since 2016, reaching $85.4M in 2025, with consolidated gross profits rising from $4M in 2017 to $19.7M in 2025.

• Card Issuing business expanded from $323K in 2016 to $19M in 2023; Payment Facilitation grew to $16M by 2025.

• 2026 revenue guidance projects 10-12% growth.

• Adjusted EBITDA margin was 1.6% for 2025 and 3.5% for Q1 2026.