# Worldline Q3 2025 Revenue Report & Financial Performance
> Explore Worldline's Q3 2025 revenue results, including €1,149m revenue, 2025 guidance updates, and strategic divestment plans for North American activities.

Tags: worldline, revenue-report, financial-services, merchant-services, q3-2025, investor-relations, fintech, earnings
## Q3 2025 REVENUE | October 21st, 2025
General title slide for the Q3 2025 revenue meeting.

## KEY HIGHLIGHTS
*   **Revenue:** €1,149m (0.8% organic decline).
*   **2025 Guidance:** Adjusted EBITDA narrowed to €830m – €855m; FCF from €(30)m to €0m+.
*   **Execution:** €50m cash cost savings confirmed; exclusive negotiations to sell Worldline North America.

## EXTERNAL REVIEWS - RISK & COMPLIANCE
*   **Oliver Wyman Review:** Confirmed proper risk and compliance framework; identified progress in High Brand Risk (HBR) portfolio management.

## DIVESTMENT OF NON-CORE ACTIVITIES
*   **MeTS:** c.€410m EV (expected closing H1’26).
*   **Worldline North America:** c.€70m EV (exclusive negotiations with Shift4; expected closing Q1’26).

## EXTERNAL REVENUE OVERVIEW
*   **Merchant Services (Q3 2025):** €862m revenue.
*   **Financial Services (Q3 2025):** €201m revenue.
*   **MeTS (Q3 2025):** €85m revenue.
*   **Total Worldline (9M 2025):** €3,353m revenue.

## SEGMENT HIGHLIGHTS
*   **Merchant Services:** Stabilized acquiring business; strong performance in Italy and Nordics.
*   **Financial Services:** Impacted by lower volumes in Benelux and Italy.
*   **Mobility (MeTS):** Growth in UK mobile ticketing and French project volumes.

## NOTIONAL CASH POOLING MECHANISM
*   Structure operated by BMG in the Netherlands.
*   Parent Cash: €0.8bn; Subsidiaries Net Cash: €2.3bn; Overdraft: €1.6bn.

## ACQUIRING MSV DEVELOPMENT
*   **Q3 2025 MSV:** c.€145bn.
*   **9M 2025 MSV:** c.€425bn.
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