AmeriTrust Announces 2025 Annual Financial Results

• Event: AmeriTrust Financial Technologies Inc. filed its audited Consolidated Financial Statements and MD&A for fiscal years ended December 31, 2025, and 2024.
• Liquidity Position: Cash on hand rose significantly to approximately $37 million ($36,968,923) by year-end 2025, compared to $10.2 million in December 2024. Working capital surplus increased from $4.0 million to over $30.4 million.
• Revenue Performance: Q4 2025 revenue was $401,838, a slight decrease from $477,232 in Q4 2024. This follows a period of capital raising intended to restart lease originations.
• Operational Progress: Established three operating subsidiaries (AmeriTrust Financial, AmeriTrust Serves, AmeriTrust Auto). Integrated AI-enabled functionality into leasing technology. Expanded access to U.S. investors via OTCQB listing.
• Financing Confirmation: Confirms nearly $40 million was raised during the year to support lease originations and working capital, aligning with previous brokered offering announcements from late 2025.

• Solvency Confirmation: The primary material takeaway is the validation of the company's liquidity position following the ~$40 million financing closed in January 2026. This removes immediate bankruptcy risk and confirms the "foundational year" narrative.
• Revenue Stagnation: Despite significant capital injection, Q4 revenue declined slightly compared to the prior year. This indicates that lease originations have not yet scaled to generate meaningful top-line growth relative to the cash raised.
• Market Expectations: The financing details were disclosed in October and December 2025, with closing confirmed in January 2026. Therefore, the annual results confirming the cash balance are largely expected information rather than a new catalyst.
• Risk Mitigation vs. Growth: While the news positively impacts risk profile (cash runway), it does not materially alter growth expectations given the flat revenue trend. The market likely priced in the financing success months ago; this report is an audit confirmation of that status.

• Business Model: AmeriTrust operates a vehicle leasing platform focusing on indirect dealer networks and direct lease originations in the U.S. market.
• Flagship Project: The "AmeriTrust Auto" remarketing business and the broader lease origination facility funded by the 2025/2026 brokered offering.
• Technology: Proprietary leasing platform integrated with AI for credit risk assessment, underwriting automation, and predictive analytics.
• Market Expansion: Targeting U.S. dealer markets starting in Texas, followed by Florida and California, aiming for ~1% market share over several years.