Worldline Q3 2025 Revenue Report & Financial Performance

Q3 2025 REVENUE

October 21st, 2025

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 risks and uncertainties are linked to factors out of the control of the Company and not precisely estimated, such as market conditions or competitors’ behaviours.

Revenue organic growth and Adjusted EBITDA improvement are presented at constant scope and exchange rate. Adjusted EBITDA is presented as defined in the 2024 Universal Registration Document. All amounts are presented in € million without decimal. This may in certain circumstances lead to non-material differences between the sum of the figures and the subtotals that appear in the tables.

No reliance should be placed on, and no representation or warranty, express or implied, is made as to, the fairness, accuracy, reasonableness or completeness of the information contained herein. The Company does not accept any liability for any loss howsoever arising.

Q3’25

Opening Remarks

Pierre-Antoine Vacheron<br>Group CEO

KEY HIGHLIGHTS

<strong style='color:#5B2C86; font-size:28px;'>€1,149m revenue</strong><br>(0.8%) organic<br><br>Merchant Services underlying performance stabilisation<br>FS and MeTS performance consistent with full-year expected trajectory

<strong style='color:#5B2C86; font-size:28px;'>2025 guidance range narrowed</strong><br><br>Organic Growth: Low-single digit percentage decline<br>Adjusted EBITDA: €830m to €855m<br>FCF: from €(30)m to €0m+

<strong style='color:white;'>Significant delivery of 2025 actions</strong><br><br>Churn stabilisation<br>NextGen POS deployment<br>Successful ramp-up of SoftPOS<br>€50m cash costs savings confirmed

<strong style='color:white;'>Solid groundwork in execution</strong><br><br>High Brand Risk merchant portfolio under control<br>Proper risk and compliance framework in place<br>Exclusive negotiations to sell Worldline North America

<strong style='color:white;'>Streamlined organisation</strong><br><br>Accelerated ramp-up of the renewed executive team<br>Enabling streamlined organisation to drive transformation ahead

EXTERNAL REVIEWS - STRONG COMMITMENT TO ROBUSTNESS

SCOPE OF REVIEW

KEY FINDINGS

Analysis on the remaining High Brand Risk (HBR) portfolio

No need for material offboarding of merchants identified in the regulated entities of the Group.<br>Technical orchestration layer under review. Marginal impact in 2025.

Overall assessment of compliance and risk framework and its implementation

Proper risk and compliance framework confirmed and considerable progress made but further improvements needed to harmonize framework, effective operationalisation and automation.<br>Comprehensive multi-year strategy already in execution being updated to focus on accelerating progress.

DIVESTMENT OF NON-CORE ACTIVITIES UNDERWAY

METS<br><span style='font-size:18px;'>announced in July-2025</span>

Digital, mobility and e-transactional services activities

<div style='font-size: 32px; font-weight: bold; color: #5B2C86;'>c.€410m EV*</div><div style='font-size: 14px;'>corresponding to c.€250-300m cash proceeds</div><hr style='margin: 15px 0;'><div style='display:flex; justify-content:space-around;'><div style='text-align:center;'><div style='font-size: 28px; font-weight: bold; color: #5B2C86;'>c.€450m</div><div style='font-size: 14px;'>Revenues in 2024**</div></div><div style='text-align:center;'><div style='font-size: 28px; font-weight: bold; color: #5B2C86;'>c.€100m</div><div style='font-size: 14px;'>Adj. EBITDA in 2024**</div></div></div>

Q4’25: Expected signing*** → H1’26: Confirmed closing***

WORLDLINE NORTH AMERICA<br><span style='font-size:18px;'>exclusive negotiations with Shift4</span>

Online and In-Person payment services to SMBs across Canada and the US

<div style='font-size: 32px; font-weight: bold; color: #5B2C86;'>c.€70m EV</div><div style='font-size: 14px;'>corresponding to c.€70m cash proceeds</div><hr style='margin: 15px 0;'><div style='display:flex; justify-content:space-around;'><div style='text-align:center;'><div style='font-size: 28px; font-weight: bold; color: #5B2C86;'>c.€60m</div><div style='font-size: 14px;'>Revenues in 2024</div></div><div style='text-align:center;'><div style='font-size: 28px; font-weight: bold; color: #5B2C86;'>c.€8m</div><div style='font-size: 14px;'>Adj. EBITDA in 2024</div></div></div>

Q1’26: Expected closing***

ANNOUNCING STREAMLINED ORGANISATION

<div style='background:white; border-radius:30px; padding:15px; margin-bottom:20px; border:2px solid black; text-align:center;'>Tight governance</div><div style='background:white; border-radius:30px; padding:15px; margin-bottom:20px; border:2px solid black; text-align:center;'>All Go-to-Markets reporting directly to the CEO</div><div style='background:white; border-radius:30px; padding:15px; margin-bottom:20px; border:2px solid black; text-align:center;'>Streamlining of the organisation and ownership focused</div><div style='background:white; border-radius:30px; padding:15px; border:2px solid black; text-align:center;'>Increase in accountability and delivery</div>

Q3’25

Financial Performance

Srikanth Seshadri<br>Group CFO

EXTERNAL REVENUE OVERVIEW

<tr><td>Merchant services</td><td>862</td><td>863</td><td>(0.1%)</td><td>(3.5%)</td></tr><tr><td>Financial services</td><td>201</td><td>211</td><td>(4.5%)</td><td>(4.5%)</td></tr><tr><td>MeTS</td><td>85</td><td>85</td><td>+0.6%</td><td>+0.7%</td></tr><tr style='font-weight:bold; background:#e0e0e0;'><td>Worldline</td><td>1,149</td><td>1,159</td><td>(0.8%)</td><td>(3.3%)</td></tr>

<tr><td>Merchant services</td><td>2,480</td><td>2,518</td><td>(1.5%)</td><td>(4.8%)</td></tr><tr><td>Financial services</td><td>611</td><td>664</td><td>(8.1%)</td><td>(8.1%)</td></tr><tr><td>MeTS</td><td>263</td><td>259</td><td>+1.6%</td><td>+1.6%</td></tr><tr style='font-weight:bold; background:#e0e0e0;'><td>Worldline</td><td>3,353</td><td>3,442</td><td>(2.6%)</td><td>(5.0%)</td></tr>

MERCHANT SERVICES - Q3’25 highlights

€862m revenues<br><span style='font-size:24px; font-weight:normal;'>(0.1%) organic growth / +0.7% excl. Hardware base effect</span>

<li><b>Enterprise:</b> Trend similar to Q2’25 with a weak performance in terminals, but a stabilized acquiring business. Good performance in the Nordics and in Italy with large merchants.</li><li><b>SMB:</b> Quarter impacted by the base effect of POS availability, situation now fixed in our core markets (e.g. Belgium). Recent actions start to pay-off with stabilizing churn.</li><li><b>Joint Venture:</b> Strong performance in Italy. Germany struggling in acceptance and Terminals.</li>

FINANCIAL SERVICES - Q3’25 highlights

€201m revenues<br><span style='font-size:24px; font-weight:normal;'>(4.5%) organic growth</span>

<li><b>Card-based payment processing:</b> Positive impact from new contracts, pricing and volume uplifts, offset by reduced volumes in Benelux and Italy.</li><li><b>Digital Banking:</b> Growth impacted by iDeal volumes in Netherlands and SMS activity in France.</li><li><b>Account Payments:</b> Quarter impacted by lower transformation projects with key clients.</li>

MOBILITY & E-TRANSACTIONAL SERVICES - Q3’25 highlights

€85m revenues<br><span style='font-size:24px; font-weight:normal;'>+0.6% organic growth</span>

<li><b>Transport & Mobility:</b> Steady performance driven by higher volumes and incremental Mobile ticketing solutions in UK and mobility projects in France.</li><li><b>Omnichannel interactions:</b> Increased project activities and volumes ramp-up with certain customers in France.</li><li><b>Trusted Services:</b> Challenging performance in France mainly due to lower volumes and some end of contracts anticipated.</li>

OUTLOOK 2025 RANGE NARROWED

<div style='margin-bottom:20px; background:#fff; padding:20px; border-radius:10px;'>Low-single digit percentage decline</div><div style='margin-bottom:20px; background:#fff; padding:20px; border-radius:10px;'>€825-875m adjusted EBITDA</div><div style='background:#fff; padding:20px; border-radius:10px;'>Neutral FCF at mid-point</div>

<div style='margin-bottom:20px; background:#fff; padding:20px; border-radius:10px; border: 2px solid #6f42c1;'>Low-single digit percentage decline</div><div style='margin-bottom:20px; background:#fff; padding:20px; border-radius:10px; border: 2px solid #6f42c1;'>€830m to €855m</div><div style='background:#fff; padding:20px; border-radius:10px; border: 2px solid #6f42c1;'>€(30)m to €0m+</div>

Key take-aways

Pierre-Antoine Vacheron<br>Group CEO

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

NOTIONAL CASH POOLING MECHANISM

<div style='text-align: center; border: 2px solid #6f42c1; padding: 20px; border-radius: 10px; margin-bottom: 20px;'><b>Worldline SA (Parent)</b><br>Cash €0.8bn<br>Pool Offset €1.6bn</div><div style='text-align: center; font-size: 30px;'>⬇</div><div style='text-align: center; border: 2px dashed red; padding: 20px; margin: 20px 0;'><b>Cash Pooling Structure</b><br>Overdraft €1.6bn</div><div style='text-align: center; font-size: 30px;'>⬆</div><div style='text-align: center; border: 2px solid #afa2c9; padding: 20px; border-radius: 10px;'><b>Subsidiaries Net Cash</b><br>€2.3bn</div>

<b>BMG notional cash pooling structure:</b> Multi-currency, multi-entity notional cash pool operated by BMG in the Netherlands. Cash from each subsidiary is centralized without commingling.<br><br><b>Bank balances monitoring:</b> 94% of corporate bank accounts managed with electronic bank statements. 100% audited annually.

Q3’25 ACQUIRING MSV DEVELOPMENT

c.€145bn MSV<br>in Q3’25

c.+3% in Q2’25<br>MSV growth vs Q2’24

c.€425bn MSV<br>in 9M’25

THANK YOU

<div style='margin-bottom: 30px;'><b>Laurent Marie</b><br>Group Head of Investor Relations<br>laurent.marie@worldline.com</div><div><b>Peter Farren</b><br>Investor Relations Manager<br>peter.farren@worldline.com</div>