Worldline Sa · EURONEXT:WLN
Worldline Sa — Worldline Sa Ord — Q3 2025 Earnings Presentation
21 slides from Worldline Sa's earnings presentation, Oct 23, 2025
Slide 1: Q3 2025 Revenue
Q3 2025 REVENUE October 21st, 2025
Slide 2: Disclaimer
Disclaimer This document contains forward-looking statements that involve risks and uncertainties, including references, concerning the Group's expected growth and profitability in the future which may significantly impact the expected performance indicated in the forward-looking statements. These r
Slide 3: Q3'25 Opening Remarks
Q3’25 Opening Remarks Pierre-Antoine Vacheron Group CEO
Slide 4: Key Highlights
KEY HIGHLIGHTS €1,149m revenue 2025 guidance range Q3’25 (0.8%) organic narrowed Performance Merchant Services underlying performance Organic Growth: Low-single digit percentage decline & stabilisation Guidance 2025 Adjusted EBITDA: €830m to €855m FS and MeTS performance consistent FCF: from €(30)m
Slide 5: External Reviews - Strong Commitment to Robustness
EXTERNAL REVIEWS - STRONG COMMITMENT TO ROBUSTNESS Two external firms engaged to assess risk framework and review remaining HBR portfolio SCOPE OF REVIEW KEY FINDINGS No need for material offboarding of merchants identified in the regulated entities of the Group Analysis on the remaining High Brand
Slide 6: Divestment of Non-Core Activities Underway
DIVESTMENT OF NON-CORE ACTIVITIES UNDERWAY METS WORLDLINE NORTH AMERICA announced in July-2025 exclusive negotiations with Shift4 Digital, mobility and e-transactional Online and In-Person payment services services activities to SMBs across Canada and the US c.€410m EV* c.€70m EV corresponding to c.
Slide 7: Announcing Streamlined Organisation
ANNOUNCING STREAMLINED ORGANISATION to execute disciplined transformation and deliver performance Tight governance Chief Executive Officer (CEO) Pierre-Antoine Vacheron All Go-to-Markets reporting Technology & Operations Finances Risks directly to the CEO Candice Dillon Srikanth Seshadri Joe Katz Pr
Slide 8: Q3'25 Financial Performance
Q3’25 Financial Performance Srikanth Seshadri Group CFO
Slide 9: External Revenue Overview
EXTERNAL REVENUE OVERVIEW Q3 2025 Group Revenue Organic growth Organic growth (in €m) Q3 2025 Q3 2024* (Published Revenue) (NNR) Merchant services 862 863 (0.1%) (3.5%) Financial services 201 211 (4.5%) (4.5%) MeTS 85 85 +0.6% +0.7% Worldline 1,149 1,159 (0.8%) (3.3%) *at 2025 constant scope and exc
Slide 10: Merchant Services Q3'25 highlights
MERCHANT SERVICES Q3’25 highlights €862m revenues (0.1%) organic growth / +0.7% excl. Hardware base effect Revenue reached € 862 million, a (0.1%) organic Commercial wins / upsells ▪ Enterprise: Trend similar to Q2’25 with a weak performance in terminals, but a stabilized acquiring business. Good pe
Slide 11: Financial Services Q3'25 highlights
FINANCIAL SERVICES Q3’25 highlights €201m revenues (4.5%) organic growth Revenue reached € 201 million, a (4.5%) organic Commercial wins / upsells ▪ Card-based payment processing: Positive impact from new contract signed (licenses and Merchant plug-in project) as well as pricing and volume uplifts w
Slide 12: Mobility & E-Transactional Services Q3'25 highlights
MOBILITY & E-TRANSACTIONAL SERVICES Q3’25 highlights €85m revenues 0.6% organic growth Revenue reached € 85 million, up +0.6% organic Commercial wins / upsells ▪ Transport & Mobility: steady performance driven by higher volumes and incremental Mobile ticketing solutions in the UK and activities in m
Slide 13: Outlook 2025 Range Narrowed
OUTLOOK 2025 RANGE NARROWED Initial FY’25 guidance* Updated FY’25 guidance* Organic growth Low-single digit percentage decline Low-single digit percentage decline Adjusted EBITDA €825-875m adjusted EBITDA €830m to €855m FCF Neutral FCF at mid-point of EBITDA guidance €(30)m to €0m+ (or at €850m adj.
Slide 14: Key take-aways
Key take-aways Pierre-Antoine Vacheron Group CEO
Slide 15: Management in Action to Unlock Worldline's Potential
MANAGEMENT IN ACTION TO UNLOCK WORLDLINE'S POTENTIAL Clearing the ground underway Committed to deliver 2025 guidance Tighter governance in place to drive transformation Capital Markets Day confirmed in Paris on November 6th, 2025 Q3 2025 revenue | 21-10-2025 | © Worldline | 15
Slide 16: Q&A
Q&A | WORLDLINE sW/.
Slide 17: Appendices
Appendices WORLDLINE We,
Slide 18: Notional Cash Pooling Mechanism
NOTIONAL CASH POOLING MECHANISM Location of cash for liquidity management Notional cash pooling structure (Dec. 2024) Key take aways Worldline SA (Parent) Subsidiaries net cash BMG notional cash pooling structure position Cash Pool offset Multi-currency, multi-entity notional cash pool €0.8bn (Overd
Slide 19: Acquiring MSV Development
Q3’25 ACQUIRING MSV DEVELOPMENT c.€145bn MSV in Q3’25 ACQUIRING MSV (€M)* (acquiring instore and online) c.+3% in Q2’25 MSV growth vs Q2’24 c.€425bn MSV in 9M’25 2023 2024 2025 * Rolling 3-week average transaction volumes in euro millions on acquiring activities Q3 2025 revenue | 21-10-2025 | © Worl
Slide 20: NR to NNR Bridge on Revenue
NR TO NNR BRIDGE ON REVENUE Revenue Q3 2025 Schemes & Q3 2025 Net Q3 2024 Schemes & Q3 2024 Net OG% Q3 OG% Q3 Net In € million Published Partners fees Net Published* Partners fees Net Published Net Merchant Services 862 (257) 605 863 (236) 627 (0.1)% (3.5)% Financial Services 201 (2) 199 211 (2) 209
Slide 21: Thank You
THANK YOU For more information, please contact: Laurent Marie Group Head of Investor Relations laurent.marie@worldline.com Peter Farren Investor Relations Manager peter.farren@worldline.com