AmeriTrust Announces Third Quarter 2025 Financial Results
Rhea-AI Summary
AmeriTrust (OTCQB:AMTFF, TSXV:AMT) filed interim consolidated financial statements and MD&A for the three and nine months ended September 30, 2025. Key figures: cash on hand $4,140,969 (down from $10,231,191 at Dec 31, 2024) and a working capital surplus of $44,759 (vs $4,002,995 at Dec 31, 2024).
Q3 2025 revenue was $389,724, down from $407,347 in Q2 2025 and $514,144 in Q3 2024. The company reported a net loss of $2,988,439, EBITDA loss $2,850,559, and adjusted EBITDA loss $1,930,666. Management attributes the larger adjusted EBITDA loss versus Q2 2025 primarily to increased salaries and wages for restarting lease originations.
Positive
- Working capital surplus of $44,759 at September 30, 2025
- Gross profit roughly stable QoQ at $143,341 (Q3 2025 vs $143,799 Q2 2025)
Negative
- Cash on hand declined by $6,090,222 to $4,140,969 since Dec 31, 2024
- Q3 2025 revenue fell to $389,724 (down 24% vs Q3 2024)
- Adjusted EBITDA loss widened to $1,930,666 from $1,650,462 in Q2 2025
News Market Reaction
On the day this news was published, AMTFF declined NaN%, reflecting a moderate negative market reaction.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
Market Reality Check
Peers on Argus
AMTFF fell 10% while key peers were mixed: INXDF dropped 15.12% but LQWDF, NOWG, OONEF and INVU posted modest gains, suggesting a more company-specific move around the earnings release.
Historical Context
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Dec 08 | Financing & launch | Positive | +21.9% | Amended up to $40M offering and launch of lease originations platform. |
| Nov 26 | Quarterly earnings | Negative | +0.0% | Q3 2025 results with lower revenue, cash and larger adjusted EBITDA loss. |
| Nov 04 | Strategic partnership | Positive | +6.2% | Exclusive 24‑month National Lease Partner deal with myAutoloan.com. |
| Oct 07 | Capital raise plan | Positive | +2.1% | Announcement of brokered offering of up to $60M to restart lease originations. |
| Aug 27 | Quarterly earnings | Negative | +7.3% | Q2 2025 results with falling revenue, cash and wider adjusted EBITDA loss. |
Earnings and financing news have often triggered upside moves, even when results showed declining revenue and wider losses, but the current Q3 release coincides with a negative price reaction.
Over the last few months, AmeriTrust has combined weakening quarterly metrics with strategic financing and partnership steps. Q1–Q3 2025 earnings showed declining revenue, shrinking cash from $10.23M to $4.14M, and widening adjusted EBITDA losses. In contrast, 2024 annual results highlighted a strengthened balance sheet and a $6.2M net profit driven by provision reversals and capital raises. Financing announcements in October and December 2025 and the myAutoloan.com partnership outlined the plan to restart lease originations, which frames today’s higher loss levels as part of that build-out.
Market Pulse Summary
This announcement highlights continued revenue pressure alongside higher losses as AmeriTrust prepares to restart lease originations. Q3 2025 revenue was $389,724, with a net loss of $2,988,439 and adjusted EBITDA loss of $1,930,666. Cash declined to $4,140,969 and working capital surplus to $44,759, down sharply from year-end 2024. Investors may watch future earnings for revenue stabilization, cash evolution, and the impact of new originations and financing plans.
Key Terms
management's discussion and analysis financial
working capital financial
ebitda financial
adjusted ebitda financial
AI-generated analysis. Not financial advice.
TORONTO, ONTARIO / ACCESS Newswire / November 26, 2025 / AmeriTrust Financial Technologies Inc. (TSXV:AMT)(OTCQB:AMTFF)(Frankfurt:1ZVA) ("AmeriTrust", "AMT" or the "Company"), a fintech platform targeting automotive finance, is announcing that it has filed its interim Consolidated Financial Statements and Management's Discussion and Analysis report for the three and nine months ended September 30, 2025. These documents may be viewed under the Company's profile at www.sedarplus.ca.
Cash on hand at September 30, 2025, was
Revenue for the third quarter of 2025 decreased to
Three months ended | Three months ended | |||||||||||||||
September 30, 2025 | September 30, 2024 | June 30, 2025 | June 30, 2024 | |||||||||||||
Revenue | $ | 389,724 | $ | 514,144 | $ | 407,347 | $ | 542,166 | ||||||||
Gross Profit | 143,341 | 232,827 | 143,799 | 230,943 | ||||||||||||
Net income (loss) | (2,988,439 | ) | 96,002 | (3,045,556 | ) | 650,767 | ||||||||||
EBITDA | (2,850,559 | ) | 125,555 | (2,905,179 | ) | 674,132 | ||||||||||
Adjusted EBITDA | (1,930,666 | ) | (1,310,119 | ) | (1,650,462 | ) | (1,300,215 | ) | ||||||||
--
About AmeriTrust Financial Technologies Inc.
AmeriTrust Financial Technologies Inc., listed on the TSX Venture Exchange, OTCQB, and Frankfurt markets, is a finance solution and fintech provider disrupting the automotive industry. AmeriTrust's integrated, cloud-based transaction platform facilitates transactions amongst consumers, dealers, and funders. AmeriTrust's platform is being made available across the United States.
For further information, please visit the AmeriTrust website or contact:
Shibu Abraham
Chief Financial Officer and Director
E: info@ameritrust.com
P: 1-800-600-6872
Neither the TSXV nor its Regulation Services Provider (as that term is defined in the policies of the TSXV) accepts responsibility for the adequacy or accuracy of this news release.
Non-IFRS Measures:
This news release makes reference to "EBITDA" and "Adjusted EBIDTA" which are non-IFRS financial measures. The Company believes that these measures provide investors with useful supplemental information about the financial performance of its business, enable comparison of financial results between periods where certain items may vary independent of business performance, and allow for greater transparency with respect to key metrics used by management in operating its business. Although management believes these financial measures are important in evaluating the Company's performance, they are not intended to be considered in isolation or as a substitute for, or superior to, financial information prepared and presented in accordance with IFRS. These non-IFRS financial measures do not have any standardized meaning and may not be comparable with similar measures used by other companies. For certain non-IFRS financial measures, there are no directly comparable amounts under IFRS. These non-IFRS financial measures should not be viewed as alternatives to measures of financial performance determined in accordance with IFRS. Moreover, presentation of certain of these measures is provided for year-over-year comparison purposes, and investors should be cautioned that the effect of the adjustments thereto provided herein have an actual effect on the Company's operating results.
"EBITDA" is defined as Earnings before Interest, Taxation, Depreciation and Amortization. Management believes this is a useful metric in evaluating the ongoing operating performance of the Company.
"Adjusted EBITDA" is defined as Earnings before Interest, Taxation, Depreciation, Amortization, Share Based Compensation expense, Provision for expected credit loss on lease contracts and revision to the provision, foreign exchange loss, and other one-time costs is an additional measure used by management to evaluate cash flows and the Company's ability to service debt. Adjusted EBITDA is a non-IFRS measure and should not be considered an alternative to operating income or net income (loss) in measuring the Company's performance.
FORWARD-LOOKING STATEMENTS
This news release contains forward-looking statements relating to the Company and other statements that are not historical facts. Forward-looking statements are often identified by terms such as "will", "may", "should", "anticipate", "expects" and similar expressions. All statements other than statements of historical fact, included in this release, including, without limitation, statements regarding future plans and objectives of the Company, the intention to grow the business, operations, and existing and potential activities of the Company, future prospects of the Company, the ability of the Company to execute on its business plan and the anticipated benefits of the Company's business plan, negotiations with potential funding partners and the ability of the Company to secure additional funding, are forward looking statements that involve risks and uncertainties. There can be no assurance that such statements will prove to be accurate and actual results and future events could differ materially from those anticipated in such statements.
The reader is cautioned that assumptions used in the preparation of any forward-looking information may prove to be incorrect. Events or circumstances may cause actual results to differ materially from those predicted, as a result of numerous known and unknown risks, uncertainties, and other factors, many of which are beyond the control of the Company. As a result, we cannot guarantee that any forward-looking statement will materialize, and the reader is cautioned not to place undue reliance on any forward-looking information. Such information, although considered reasonable by management at the time of preparation, may prove to be incorrect and actual results may differ materially from those anticipated.
Forward-looking statements contained in this news release are expressly qualified by this cautionary statement. The forward-looking statements contained in this news release are made as at the date of this news release, and the Company does not undertake any obligation to update publicly or to revise any of the included forward-looking statements, whether as a result of new information, future events or otherwise, except as expressly required by Canadian securities law.
This press release does not constitute an offer to sell or a solicitation of an offer to buy any of the securities in the United States. The securities have not been and will not be registered under the United States Securities Act of 1933, as amended (the "U.S. Securities Act") or any state securities laws and may not be offered or sold within the United States unless registered under the U.S. Securities Act and applicable state securities laws, unless an exemption from such registration is available.
SOURCE: AmeriTrust Financial Technologies Inc.
View the original press release on ACCESS Newswire
FAQ
What cash balance did AmeriTrust (AMTFF) report at September 30, 2025?
How much revenue did AMTFF record in Q3 2025 and how did it compare to prior periods?
What net income and EBITDA did AmeriTrust report for the three months ended September 30, 2025?
Why did AMTFF's adjusted EBITDA loss increase in Q3 2025?
What was AmeriTrust's working capital position at September 30, 2025 (AMTFF)?
