AtlasClear (ATCH) investor relations material

Strategic vision and platform development

• Building a scalable, regulated financial infrastructure platform targeting smaller institutions, fintechs, and advisors, aiming to serve as the backbone for next-generation financial services.

• Focused on underserved firms with up to $1B in revenue, offering integrated custody, banking, and digital asset capabilities.

• Platform structured around four pillars: trade, clear, settle, and bank, with two pillars live and two in advanced planning or regulatory stages.

• Completed major correspondent integration, validating platform scalability and enabling high-margin incremental revenue.

• Growth strategy includes disciplined, technology-driven expansion, correspondent pipeline development, and digital asset market entry.

Financial performance and growth

• Achieved three consecutive quarters of year-over-year revenue growth, with profitability reached year-to-date.

• Revenue trajectory shows 84% YoY growth in Q2 FY26 and 65% YoY in Q3 FY26; net income of $4.4M for 9M FY26.

• Stockholders' equity improved to $22.3M as of March 31, 2026, up from a deficit of $6.8M in June 2025.

• Cash and restricted cash increased to $41.2M, with liquidity position improving by $29.1M versus June 2025.

• Operating cost base is ~$14M, with revenue growth above this base driving significant margin expansion.

Acquisitions and expansion initiatives

• Signed letters of intent for acquisitions of Ark Financial Services, Dawson James, and an institutional digital asset platform; all subject to regulatory and stockholder approvals.

• Planned acquisition of Commercial Bancorp would add Federal Reserve member bank capabilities, completing the platform's banking pillar.

• Digital asset platform acquisition would add trading, FX, derivatives, lending, and asset management for institutional clients.

• Dawson James integration expected to bring origination and execution in-house, capturing economics currently flowing to third parties.

• Five correspondent broker-dealer agreements executed, with a pipeline for further integrations.