Worldline Sa · EURONEXT:WLN
Worldline Sa — Q3 2026 Earnings Presentation
24 slides from Worldline Sa's earnings presentation, Oct 27, 2026
Slide 1: Q3 2026 Results
Q3 2026 Results October 27th, 2026
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
Slide 3: Agenda
Agenda 01 Q3’26 Snapshot Pierre-Antoine Vacheron 02 Q3’26 Revenue Srikanth Seshadri CEO CFO 03 Conclusion Pierre-Antoine Vacheron 04 Appendix CEO Q3 2026 Results - Worldline - 3
Slide 4: Q3'26 Snapshots
Q3’26 Snapshots Pierre-Antoine Vacheron Chief Executive Officer Q3 2026 Results - Worldline - 4
Slide 5: Q3'26 Highlights
Disciplined execution North Star 2030 on track, delivering enhanced customer delivering as planned satisfaction and results Q3’26 Highlights Momentum building Full year guidance confirmed Year-to-Date Q3 2026 Results - Worldline - 5
Slide 6: Q3'26: improvement across all businesses
Q3’26: improvement across all businesses Fully pruned revenue: €946M1 +2.5% organic y/y Merchant Services Financial Services Solid growth Turnaround progressing SMB Enterprise Global Commerce • NPS improvement • Solid booking • Strong growth in • Underlying recurring processing across all geographie
Slide 7: Delivering on our commitments
One year into North Star 2030 Delivering on our commitments Simplify Converge Integrate Grow • 3 entities closed and one • 3 legacy authorisation • Acceleration of hosting • YtoD bookings growth: licence returned platforms decommissioned infrastructure Financial Services +91%, • Merchant Services •
Slide 8: Sustained improvement across most markets
Simplify Customer excellence Sustained improvement across most markets 2025 2026 Yearly Worldline NPS1 campaign Worldline +30 +10 pts Worldline +40 A key pillar of Worldline’s competitive positioning 1. NPS : Net Promoter Score Q3 2026 Results - Worldline - 8
Slide 9: Accelerating growth at Global Collect
Integrate Accelerating growth at Global Collect Modernisation NPS Improvement Success Geographic expansion Replatforming in final phase Strategic partnership with a of migration Authorisation optimisation 10%+ growth in Q3’26 leading local acquirer GenAI enhancing Customer driving measurable uplift
Slide 10: A growth driver built on deep vertical expertise
Grow Mobility & Self-Service (MSS) A growth driver built on deep vertical expertise Transportation Parking Vending EV Charging Fuel retail We are trusted Value proposition Right to win • Full service: terminal, Tap on Mobile, • Fully embedded in each of the vertical Transportation Parking e-commerce
Slide 11: Software-based acceptance
Grow Establishing market leadership in Software-based acceptance Tap on Mobile Android / iOS for Tap on Mobile SMB and Enterprise Ultra-compact & portable • Standalone, Android, contactless, QR code MiniPOS Cube • Easy to use and cost-effective for micro- • All payment methods, digital receipts merc
Slide 12: Q3'26 Revenue
Q3’26 Revenue Srikanth Seshadri Group CFO Q3 2026 Results - Worldline - 12
Slide 13: Organic revenue growth by Business Line
Organic revenue growth By Business Line Q3 2026 Group Revenue fully pruned1 In € million Q3 2026 Q3 2025* Organic growth Organic growth (NNR) Merchant Services 759 730 +4.0% 0.0% Financial Services 186 193 -3.3% -3.8% Worldline 946 922 +2.5% -1.0% Q3 2026 Group Revenue published2 In € million Q3 202
Slide 14: Merchant Services: Q3'26 revenue at €759M
Merchant Services : Q3’26 revenue at €759M1 4.0% organic growth / flat NNR organic growth SMB - low single-digit growth: Q3’26 Commercial wins / upsells • Continued momentum across Greece, Italy, the Nordics, CEE and Germany SMB / Partners • Switzerland stabilised: improved NPS, reduced churn and co
Slide 15: Mix is impacting NNR
Mix is impacting NNR Take rate stable Year to Date Customer segment Vertical Geography Higher growth in Outperformance Lower FS FMCG1, travel and in Italy and the digital Nordics North Star ‘Grow’ initiatives and geographic/vertical rebalancing underway, supporting a progressive acceleration in NNR
Slide 16: Financial Services: Q3'26 revenue of €186M
Financial Services : Q3’26 revenue of €186M1 (3.3)% organic decline / (5.1)% ex non-recurring items Revenue continues to reflect the impact of contract terminations. Positive Q3’26 Commercial wins / upsells commercial dynamics in certain regions, with bookings in line with expectations Issuing Acqui
Slide 17: 2026 outlook confirmed
2026 outlook confirmed1 Revenue growth Adj EBITDA Free cash flow Reported net leverage Flat to marginally positive €630M-€650M €(60)M to €(40)M <2x organic revenue growth Confirmed Confirmed Confirmed Achieved Q3 2026 Results - Worldline - 17 1. Excluding Mets, Worldline North America, Cetrel, Payme
Slide 18: Conclusion
Conclusion Pierre-Antoine Vacheron Chief Executive Officer Q3 2026 Results - Worldline - 18
Slide 19: Q3'26 execution producing tangible operational progress
Sustained NPS improvement North Star 2030 commitment Q3’26 execution reducing customer churn and delivered year to date accelerating bookings producing momentum tangible operational progress 2026 guidance on track Disciplined execution and Q4’26 outlook in line with H1’26 investments building strong
Slide 20: Appendix
Appendix Q3 2026 Results - Worldline - 20
Slide 21: Sound liquidity ahead of upcoming debt commitment
Sound liquidity ahead of upcoming debt commitment Cash towards debt service Debt 1125 Undrawn RCF Total cash commitments Jun-26 H2 26 + FY27 90 Cash at assets held for sale Repaid at maturity, in July 2026 €1,937M > €1,074M 1074 Total cash ✓ Strong liquidity enhanced by 1847 Published cash €1,937M 1
Slide 22: Q3'26 Acquiring MSV development
Q3’26 Acquiring MSV development +4.0 % Q3 YTD acquiring MSV1 ACQUIRING MSV (€M)* (acquiring instore and online) +8.8% Q3 YTD transactions on Axis +10.9% Q3 YTD GoPay online acceptance transactions 2023 2024 2025 2026 * Rolling 3-week average transaction volumes in euro millions on acquiring activiti
Slide 23: NR to NNR bridge and impact on revenue
NR to NNR bridge and impact on revenue Q3 2026 Group Revenue fully pruned1 Schemes & Q3 2026 Schemes & Q3 2025 OG% Q3 In € million Q3 2026 Q3 2025* OG% Q3 Partners fees Net Net Partners fees Net Net Net Net Merchant Services 759 (242) 517 730 (213) 517 +4.0% 0.0% Financial Services 186 (3) 184 193 (
Slide 24: NR to NNR bridge and impact on revenue
NR to NNR bridge and impact on revenue 9M 2026 Group Revenue fully pruned1 Schemes & 9M 2026 Schemes & 9M 2025 OG% 9M In € million 9M 2026 9M 2025* OG% 9M Partners fees Net Net Partners fees Net Net Net Net Merchant Services 2 132 (639) 1 494 2 079 (571) 1 508 +2,6% (0,9)% Financial Services 549 (7)