Usio (USIO) Investor presentation summary

Company overview and business model

• Operates a full-stack, cloud-based payments platform serving merchants, billers, banks, service bureaus, and card issuers.

• Offers card processing, ACH payments, card issuing, and bill presentment solutions.

• Focuses on embedded and integrated payment solutions, especially for ISVs and fintechs.

• Proprietary technology platform is built in-house, scalable, and modular.

• Publicly traded with Nacha certification and HIPAA compliance.

Key business lines and revenue breakdown

• Payment facilitation: Embedded solutions for ISVs, automated onboarding, and risk management; 35% of Q3 2025 gross revenue.

• ACH: High-margin, direct Fed access, 28% of Q3 2025 revenue, $0.70 net revenue per transaction.

• Card issuing: Turn-key platform for virtual/physical cards, 13% of Q3 2025 revenue, 30-40% margins.

• Output solutions: Document design, print, and electronic delivery, 23% of Q3 2025 revenue, 18-22% margins.

Financial performance and growth

• Revenue grew 7x since 2016, reaching $84.1M in 2023 and $82.9M in 2024.

• Card issuing business expanded from $323K in 2016 to $19M in 2023.

• Payment facilitation grew to $14M in 2024 after launching in 2018.

• Consolidated gross profits increased from $4M in 2017 to $19.6M in 2024.

• Q3 2025 gross revenue was $21.2M (+15% YoY), net revenue $11.1M, adj. EBITDA ~$368K.