NASDAQ: PAYS 17th Annual Southwest IDEAS Investor Conference 11.20.2025 Important Notices Forward-Looking Statements This presentation may include forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended ("Forward-Looking Statements"). All statements other than statements of historical fact included in this presentation are Forward-Looking Statements. These Forward-Looking Statements are based o ...

HENDERSON, Nev.--(BUSINESS WIRE)--Paysign, Inc. to Present at the 17th Annual Southwest IDEAS Investor Conference. ...

Revenue Growth - Total revenues for the three months ended September 30, 2025, increased by $6,340,047, or 41.6%, compared to the same period in 2024, reaching $21,596,478[108]. - For the nine months ended September 30, 2025, total revenues increased by $16,494,876, or 38.6%, compared to the same period in the prior year, driven by a 191.3% increase in pharma revenue[118]. Profitability - Gross profit for the three months ended September 30, 2025, increased by $3,677,075, or 43.4%, resulting in a gross margin of 56.3%[108][111]. - Net income for the three months ended September 30, 2025, was $2,215,135, reflecting a 54.2% increase compared to $1,436,837 in 2024[108]. - Gross profit for the nine months ended September 30, 2025 increased by $12,598,054, or 54.8%, resulting from the launch of additional pharma patient affordability programs[121]. - The net income for the nine months ended September 30, 2025 was $6,188,996, an increase of $3,745,961, or 153.3%, compared to the net income of $2,443,035 for the same period in 2024[127]. Operating Expenses - Operating expenses increased by $2,784,973, or 35.8%, totaling $10,568,438 for the same period[108]. - Selling, general and administrative expenses for the nine months ended September 30, 2025 increased by $5,826,732, or 32.1%, primarily due to increased compensation and benefits[122]. Claims Processing - The number of claims processed increased over 60% in Q3 2025 compared to the same period in the prior year[109]. - The number of claims processed increased over 90% for the nine months ending September 30, 2025 compared to the same period in the prior year[119]. Cash Flow and Investments - Net cash provided by operating activities for the nine months ended September 30, 2025, was $4,360,171, a decrease of 49.5% from $8,633,922 in 2024[134]. - Cash used in investing activities increased to $8,436,339 for the nine months ended September 30, 2025, compared to $7,087,867 in 2024, primarily due to investments in software licenses and the Gamma acquisition[137]. - The company repurchased 100,000 shares of common stock at a weighted average price of $3.76 per share during the nine months ended September 30, 2025[138]. Tax and Other Financial Metrics - The effective tax rate for the nine months ended September 30, 2025 was 17.9%, compared to 15.8% for the same period in 2024[126]. - Adjusted EBITDA for the nine months ended September 30, 2025, was $14,512,453, up from $6,756,410 in 2024, reflecting a growth of 114.5%[132]. - EBITDA margin for the three months ended September 30, 2025, improved to 17.5%, compared to 14.8% in the same period of 2024[133]. Future Outlook - The company plans to continue investing in technology improvements, sales and marketing, and regulatory compliance throughout 2025[107]. - The company expects available cash and forecasted revenues to sustain operations for the next twenty-four months[140].

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Financial Data and Key Metrics Changes - Paysign reported record revenue of $21.6 million, an increase of 41.6% year over year [3][12] - Adjusted EBITDA reached a record $5 million, up 78% [3][12] - Net income rose 54% to $2.2 million, or $0.04 per fully diluted share [3][14] - Consolidated gross profit margin improved to 56.3%, up 72 basis points [12][13] - Adjusted unrestricted cash balance at quarter-end was $16.9 million with zero debt [15] Business Line Data and Key Metrics Changes - Patient affordability business generated $7.9 million in revenue, up 142% year over year, accounting for 36.7% of quarterly revenues [4][12] - Plasma donor compensation revenue grew 12.4% to $12.9 million, despite a net loss of 12 centers, totaling 595 active centers [6][12] - The number of claims processed in the patient affordability segment increased by over 60% compared to the same period last year [12] Market Data and Key Metrics Changes - The company ended the quarter with 105 active patient affordability programs and expects to add 20-30 more by year-end [4][10] - The plasma business is expected to normalize in the first half of 2026 due to an oversupply of source plasma [6] Company Strategy and Development Direction - Paysign aims to expand its role in the blood and plasma ecosystem, evolving from a payments provider to a technology partner [8] - The company is focused on integrating its proprietary Dynamic Business Rules technology into the pharmacy claims process to unlock new revenue streams [5] - The opening of a new 30,000 sq ft patient support center is expected to enhance service capacity and operational efficiency [4] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the growth trajectory and long-term value creation for shareholders [9][11] - The company anticipates improvement in gross profit margins as new customer service centers ramp up [11] - Management noted that the plasma industry is expected to normalize, which could lead to organic growth at the center level sooner than anticipated [7][12] Other Important Information - The company raised its revenue guidance for 2025 to a range of $80.5 million to $81.5 million, reflecting year-over-year growth of 38.7% at the midpoint [16] - Full-year gross profit margins are expected to be approximately 60% [16] Q&A Session Summary Question: Insights on retail versus specialty pharmacy mix - Management indicated a decent mix of retail versus specialty pharmacy, with a higher percentage of retail programs expected in the pipeline moving into next year [19][21] Question: Gross profit margins and capacity utilization - Management clarified that gross profit margins are expected to improve as new centers mature and the patient affordability programs ramp up [24][26] Question: Average revenue per program and seasonal business dynamics - Management explained that the business is seasonal, and the current mix is more geared towards claims rather than initial launch fees, impacting average revenue per program [27][31] Question: Dynamics affecting plasma donor engagement - Management noted no significant changes in donor engagement due to immigration issues and did not expect changes from the government shutdown [44][46] Question: Timing for FDA approval of the donor management system - Management expects FDA approval for the donor management system in the first quarter of 2026, with potential licensing opportunities on a center-by-center basis [49][50]

Paysign, Inc. Reports Third Quarter 2025 Financial Results Adjusted EBITDA and Adjusted EBITDA per share are non-GAAP metrics used by management to gauge the operating performance of the business – see reconciliation of net income to Adjusted EBITDA at the end of the press release. HENDERSON, Nev. – November 12, 2025 – (Business Wire) – Paysign, Inc. (NASDAQ: PAYS), a leading provider of patient affordability programs, donor compensation solutions, engagement and management software platforms and integrated ...

Core Insights - Two stocks in the financial sector are identified as potentially overbought, which may signal caution for momentum-focused investors [1][2] Group 1: Paysign Inc (NASDAQ:PAYS) - Paysign appointed Jose Garcia as executive vice president for Life Science Solutions, highlighting his expertise in the plasma collection and life sciences industries [7] - The stock of Paysign increased approximately 23% over the past month, reaching a 52-week high of $8.88 [7] - The Relative Strength Index (RSI) for Paysign is at 72.0, indicating it is overbought [7] - Shares of Paysign closed at $6.29 after a gain of 7.9% on Tuesday [7] - Paysign has a momentum score of 95.70 and a value score of 10.39 according to Edge Stock Ratings [7] Group 2: HSBC Holdings PLC (NYSE:HSBC) - HSBC announced its exit from retail banking operations in Sri Lanka, transferring about 200,000 customer accounts, credit cards, and consumer loans to Nations Trust Bank PLC [7] - The stock of HSBC gained around 11% over the past month, with a 52-week high of $71.06 [7] - The RSI for HSBC is at 72.9, also indicating it is overbought [7] - Shares of HSBC closed at $70.98 after a gain of 0.7% on Tuesday [7]

Core Insights - Two stocks in the financial sector are identified as potentially overbought, which may concern momentum-focused investors [1][2] Company Summaries Paysign Inc (NASDAQ:PAYS) - Recently appointed Jose Garcia as executive vice president for Life Science Solutions, highlighting his expertise in the plasma collection and life sciences industries [7] - The stock has increased approximately 23% over the past month, reaching a 52-week high of $8.88 [7] - Current RSI value is 72.0, indicating overbought conditions, with shares closing at $6.29 after a 7.9% gain [7] - Momentum score is 95.70, with a value score of 10.39 [7] HSBC Holdings PLC (NYSE:HSBC) - Announced plans to exit retail banking operations in Sri Lanka, transferring about 200,000 customer accounts and related services to Nations Trust Bank PLC [7] - The stock has gained around 11% over the past month, with a 52-week high of $71.06 [7] - Current RSI value is 72.9, also indicating overbought conditions, with shares closing at $70.98 after a 0.7% gain [7]

Core Insights - Paysign, Inc. reported a revenue increase of 33.12% year-over-year in Q2 2025, indicating strong business performance and growth potential for the upcoming periods [1]. Financial Performance - The company experienced a significant revenue growth of 33.12% YoY in Q2 2025, showcasing its robust financial health and operational efficiency [1]. Future Outlook - Paysign expressed optimism regarding its business prospects for the second half of 2025 and into 2026, highlighting the consistency of its results and potential for continued growth [1].

Core Insights - Paysign, Inc. has appointed Jose Garcia as Executive Vice President of Life Science Solutions, indicating a strategic move to enhance its leadership in this sector [1] Company Summary - The appointment of Jose Garcia is expected to strengthen Paysign's position in the life sciences market, reflecting the company's commitment to expanding its service offerings [1]