Paysafe Limited · NYSE:PSFE

Paysafe — Q2 2025 Earnings Presentation

29 slides from Paysafe's earnings presentation, Aug 12, 2025

  1. Slide 1: Second Quarter 2025 Earnings

    Second Quarter 2025 Earnings August 12, 2025

  2. Slide 2: Forward-looking statements and non-GAAP financial measures

    Forward-looking statements and non-GAAP financial measures Forward-Looking Statements Trademarks Statement Regarding Non-GAAP Financial Measures 2

  3. Slide 3: Q2 2025 financial summary

    Q2 2025 financial summary $428m $105m $0.46 5.4x 2025 priorities 3 3

  4. Slide 4: 2025 consumer product highlights

    2025 consumer product highlights Launching new products Creating fun experiences to drive engagement Expanding new products and features Product Sales New Leverage our network innovation efficiency partnerships and drive scale 4

  5. Slide 5: Enterprise growth and sales pipeline remains robust; SMB improvements underway

    Enterprise growth and sales pipeline remains robust; SMB improvements underway Enterprise SMB Q2 highlights (YoY) Status and focus areas ✓ • • • ✓ • ✓ ✓ ✓ ✓ Product Sales New Leverage our network innovation efficiency partnerships and drive scale 5

  6. Slide 6: 2Q25 Financial Results

    2Q25 Financial Results

  7. Slide 7: Q2 financial highlights

    Q2 financial highlights Volume ($bn) Revenue ($m) Adj. EBITDA1 ($m) uFCF1 ($m) Adj. Net Income1 ($m) (3%) +10% organic +5%1 (12%) (23%) (24%) • • • • •

  8. Slide 8: Summary of YTD revenue drivers

    Summary of YTD revenue drivers 1H24 to 1H25 revenue walk (YoY, $m) Summary +5% YoY organic • ✓ • ✓ • ✓ • ✓ 8

  9. Slide 9: Merchant Solutions

    Merchant Solutions Volume ($bn) Revenue ($m) Adj. EBITDA ($m) reported (9%) • +9% organic +6% (30%) • •

  10. Slide 10: Digital Wallets

    Digital Wallets Volume ($bn) Revenue ($m) Adj. EBITDA ($m) +15% • reported +6% +10% cc organic +3% flat • • •

  11. Slide 11: Continued focus on reducing leverage

    Continued focus on reducing leverage • • •

  12. Slide 12: Summary of 2025 revenue drivers

    Summary of 2025 revenue drivers 2H24 to 2H25 revenue walk (YoY, $m) 2024 to 2025 revenue walk (YoY, $m) 2H25 Summary • • • • 12

  13. Slide 13: Reaffirming 2025 guidance

    Reaffirming 2025 guidance 2025 Full Year Guidance

  14. Slide 14: Appendix

    Appendix

  15. Slide 15: 2025 other assumptions

    2025 other assumptions $ in millions supplemental information for Adj. EPS 15

  16. Slide 16: FX and interest rate sensitivity on revenue and Adjusted EBITDA

    FX and interest rate sensitivity on revenue and Adjusted EBITDA • • • • •

  17. Slide 17: Digital Wallets KPIs

    Digital Wallets KPIs 7.2m $19 17

  18. Slide 18: Segment results summary

    Segment results summary Paysafe > 2024 2025 rer Q2 03 a4 Fy2024 ‘O41 a2 ‘Volume ($m) Merchant Solutions $30,787 $32,719 $32,033 $34,360 $129,899 $34,275 $35,651 Digital Wallets 5,675, 6717 5,006 6,029 23,327 5,046 6,581 Intersegment (340) (376) (402) (363) (1,481) (370) (419) Total $36,122 $3806 $37

  19. Slide 19: Summary of direct marketing (the disposed business)

    Summary of direct marketing (the disposed business)

  20. Slide 20: Statement regarding non-GAAP financial measures

    Statement regarding non-GAAP financial measures

  21. Slide 21: Paysafe organic growth

    Paysafe organic growth Group Three months ended June 30 Six months ended June 30 (#039;000s) 2024 2025 2024 2025 Revenue 439,924 428,218 857,662 829,218 Currency adjustment - (9,621) - (4,191) Interest revenue (8,850) (4,820) (18,325) (10,467) Acquisition adjustments - - - - Disposal adjustments (36,72

  22. Slide 22: Organic growth by segment

    Organic growth by segment Digital Wallets Merchant Solutions Three months ended June 30 Six months ended June 30 Three months ended June 30 Six months ended June 30 (#039;000s) 2024 2025 2024 2025 (#039;000s) 2024 2025 2024 2025 Revenue 189,673 201,155 380,130 388,722 Revenue 254,978 232,245 486,376 450,0

  23. Slide 23: Reconciliation of GAAP Gross Profit to Gross Profit (excl. D&A)

    Reconciliation of GAAP Gross Profit to Gross Profit (excl. D&A)

  24. Slide 24: Reconciliation of GAAP net income (loss) to Adj. EBITDA

    Reconciliation of GAAP net income (loss) to Adj. EBITDA (1) Net income (loss) margin represents the nearest comparable GAAP figure to Adjusted EBITDA margin.

  25. Slide 25: Supplemental: Adj. EBITDA to Adj. net income walk

    Supplemental: Adj. EBITDA to Adj. net income walk (1) (2)

  26. Slide 26: Reconciliation of GAAP net income (loss) to Adj. net income

    Reconciliation of GAAP net income (loss) to Adj. net income (1) (2) (3) (4)

  27. Slide 27: Net income (loss) per share: Adjusted and GAAP

    Net income (loss) per share: Adjusted and GAAP (1)

  28. Slide 28: Reconciliation of Operating Cash Flow to Unlevered Free Cash Flow

    Reconciliation of Operating Cash Flow to Unlevered Free Cash Flow

  29. Slide 29: Thank You

    Thank You

Paysafe — Q2 2025 Earnings Presentation on 6ix