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AmeriTrust Financial Technologies (AMT) investor relations material
AmeriTrust Financial Technologies Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Report covers the three and nine months ended September 30, 2025, with results in Canadian dollars.
The company develops and markets cloud-based platforms for vehicle financing and leasing, targeting the automotive finance sector across the United States.
Operations are segmented into Canadian and US divisions, with the US segment generating the majority of revenue.
Q3 2025 revenue was $389,724, down from $514,144 in Q3 2024 and $407,347 in Q2 2025.
Net loss for Q3 2025 was $2,988,439, compared to net income of $96,002 in Q3 2024.
Financial highlights
Revenue for the nine months ended September 30, 2025, was $1,235,883, down from $1,683,642 year-over-year.
Net loss for the nine months was $7,199,209, compared to $757,879 in the prior year period.
Gross profit for the nine months was $445,116, down from $800,804 year-over-year.
Cash and cash equivalents at September 30, 2025, were $4,140,969, down from $10,231,191 at December 31, 2024.
Working capital surplus at September 30, 2025, was $44,759, compared to $4,002,995 at December 31, 2024.
Outlook and guidance
Management anticipates the need for future financing to support working capital and achieve profitability.
Increased salaries and wages in Q3 2025 due to new hires in preparation for the restart of lease originations.
Management expresses intent to grow the business and secure additional funding, but cautions on forward-looking statements due to uncertainties.
There is no assurance that additional financing will be available or on favorable terms.
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