Worldline Sa · EURONEXT:WLN
Worldline Sa — Investor Day (November 2025)
21 slides from Worldline Sa's investor day presentation, Nov 6, 2025
Slide 1: Worldline Capital Markets Day 2025
ww, /, WORLDLINE CAPITAL MARKETS DAY 2025 November 6th, 2025 - Par
Slide 2: Worldline in motion
Worldline in motion Pierre-Antoine Vacheron CEO 5
Slide 3: Our executive team
Our executive team Pierre-Antoine Vacheron Madalena Cascais Tomé Candice Dillon Anika Grant CEO Processing Technology People & Financial Institutions & Operations Joe Katz Maëlle Lafont de Sentenac Srikanth Seshadri Charles-Henri de Taffin Risk Transformation Finance Legal & Compliance & Performance
Slide 4: Target assets in place. Plan underway. Momentum building.
Target assets in place. Plan underway. Momentum building. 7
Slide 5: Worldline is a leading pan-European acquirer and operator of critical infrastructure
Worldline is a leading pan-European acquirer and operator of critical infrastructure for merchants and financial institutions Leader Challenger 8
Slide 6: Worldline today
Worldline today: €720M 2025 pro forma c. €4.0B 1 to €745M 1 based on latest Total revenues guidance Adj. EBITDA 16,000 + 2 47B+ €480B Employees Transactions processed Acquiring MSV3 1. Excl. MeTS Worldline North America NA and Cetrel (Source: 2025 Worldline guidance) 2. Including subcontractors, emp
Slide 7: A strong and diversified foundation
Financial Institutions c.20% A strong Financial institutions 20% and diversified Small and foundation Global commerce 14% €4.0B medium businesses 46% with shared assets between go-to-markets Enterprise 21% Merchant Services c. 80% REVENUE BY GO-TO-MARKET1 1. Figures are based on FY 2025e proforma sc
Slide 8: A modern target infrastructure
A modern Invested target infrastructure target Comprehensive hosting set up infrastructure Diverse talent pool that serves all types Scaled GCCs 1 of merchants and financial institutions Proven deployment of GenAI capabilities 1. Global Competence Centres 11
Slide 9: Worldline is acting on innovation fronts
AI/Smart Routing Tap on Mobile SmartPOS Worldline Worldline One is acting on for Platforms Commerce innovation Stablecoin settlement Agentic Commerce fronts Verification Issuing / Acquiring of payee as a Service A2A and instant payments 12
Slide 10: Keeping CSR embedded in our business model
Keeping CSR embedded 2024 extra-financial ratings in our business model AA B- A- Study on Publish Plan for 10+ years of ESG engagement Decarbonisation Climate & Transition of Payments (scope 1 & 2) CSR Commitment is a key differentiator valued by customers CSR driven by programs and linked to Delive
Slide 11: A unique footprint in Europe
A unique footprint in Europe Merchants Partners Financial Institutions 156M+ European cards c. 1.2M merchants 23K branches distribution 320+ banks €480B acquiring MSV1 400+ ISV2 and ISO3 47B+ transactions processed 1. MSV: Merchant Sales Value 2. ISV: Independent Software Vendor 3. ISO: Independent
Slide 12: Our selected markets are expected to grow at 4-5% p.a.
Our selected +5% +4% p.a. p.a. markets are expected 2026 2030 2026 2030 to grow at Merchant Services Financial Institutions 4-5% p.a. Worldline core addressable markets1, €B Worldline core addressable markets2, €B Drivers SMBs Enterprise Global Commerce Financial Institutions • Gig economy • Omnicha
Slide 13: 2025 actions building momentum, challenges to address
2025 actions Challenges building momentum to address • New management team Commercial • Assessment of merchant portfolio • Decision to reduce HBR2 exposure • €50M cash cost savings • Dip in Financial Institutions revenues • 4 new Android devices • Merchant mix • 3 divestments announced for €350M- In
Slide 14: North Star 2030
North Star 2030 Back to growth alongside sustainable and increased free cash flow generation 17
Slide 15: Be the European payments partner of choice
OUR NORTH STAR Be the European payments partner of choice for merchants and financial institutions 18
Slide 16: What we strive to be
Innovative, Integrated Scaled, multi-local, & efficient robust & What end-to-end operating sovereign we strive value chain model to be 19
Slide 17: North Star 2030: four drivers of transformation
North Star 2030: four drivers of transformation Simplify Converge Integrate Grow and streamline platforms operations through the operating and automate through GCC efficiency, model operations to access talent sales productivity and drive GenAI and revenue deployment management 20
Slide 18: North Star plan to deliver €210M additional recurring EBITDA in 2030
North Star transformation plan is expected to deliver €210M of additional recurring EBITDA in 2030 2026-2030 in €M For North Star 210 North Star adj. … … c. €620M 80 EBITDA impact, 10 Adj. EBITDA 2026-2030 Cumulative 2027 2028 2029 2030 2026 contribution Transformation (40) (50) … … cash costs 0 Acc
Slide 19: Why we will succeed
Why we will succeed Already Committed Phased Focused proven management transformation perimeter execution team 22
Slide 20: North Star 2030
North Star 2030 Be the European payments partner of choice for merchants and financial institutions 4 2025 Plan to deliver €210M transformation showing we are of additional recurring drivers in full motion Adj. EBITDA 23
Slide 21: Growth targets
Worldline 2030 Growth targets Revenue : 4% CAGR 2027-2030 €1B+ Adj. EBITDA / €300M-€350M FCF in 2030 2030 targets North Star additional recurring Adj. EBITDA €210M Organic growth additional Adj. EBITDA €150M 24