Slides
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H1 2026 Results July 30th, 2026
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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. Any forward-looking statements made in this document are statements about Worldline’s beliefs and expectations and should be evaluated as such. Forward-looking statements include statements that may relate to Worldline’s plans, objectives, strategies, goals, future events, future revenues or synergies, or performance, and other information that is not historical information. Actual events or results may differ from those described in this document due to a number of risks and uncertainties that are described within the 2025 Universal Registration Document filed with the French Autorité des marchés financiers (AMF) on March 6, 2026, under the filling number: D.26-0071. Revenue organic growth and Adjusted EBITDA improvement are presented at constant scope and exchange rate. Adjusted EBITDA is presented as defined in the 2025 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. 2026 objectives are expressed at constant exchange rates according to Group’s accounting standards. In anticipation of the finalisation of Worldline pruning program to take place during the course of 2026, the outlook for 2026 and 2030 is presented in post pruning scope excluding Mets, Worldline North America, Cetrel, PaymentIQ, MS India, Worldline New Zealand and Worldline Australia.. Worldline does not undertake, and specifically disclaims, any obligation or responsibility to update or amend any of the information above except as otherwise required by law. This document does not constitute or form a part of any offer or solicitation to purchase or subscribe for securities in the United States of America, its territories and possessions, any State of the United States of America and the District of Columbia (the “United States”). Securities may not be offered, subscribed or sold in the United States absent registration under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements thereof. The securities of Worldline have not been and will not be registered under the U.S. Securities Act. Worldline does not intend to register any portion of the offering of its securities in the United States or to conduct a public offering of its securities in the United States.” H1 2026 Results - Worldline - 2
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Agenda H1 2026 Revenue - Worldline - 3 Appendices 01 H1’26 Momentum Pierre-Antoine Vacheron CEO 02 H1’26 Results Srikanth Seshadri CFO Conclusion Pierre-Antoine Vacheron CEO 03 04
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H1’26 Momentum Pierre-Antoine Vacheron Chief Executive Officer H1 2026 Results - Worldline - 4
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Balance sheet strengthening completed H1 2026 Results - Worldline - 5 Tangible North Star milestones delivered H1’26 Key figures Merchant Services back to growth Financial services significant signings ytd Improved profitability in Merchant Services
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H1’26 key figures fully pruned H1 2026 Results - Worldline - 6 €245B Acquiring MSV1 4.3% organic growth +8.3B Acceptance Transactions 6.6% organic growth 1. MSV: Merchant Sales Value 2. Excluding Mets (restated under IFRS 5), Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia €1,736M revenue2 (0.2)% organic growth (3%) organic growth on NNR basis €294M adj. EBITDA2 16.9% adj. EBITDA margin 22% margin on NNR (+ 30bps y/y) €(27)M free cash flow2 Vs €(11)M in H1’25
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Q2’26 showing improvement across all businesses H1 2026 Results - Worldline - 7 • Improved NPS in all geographies • Churn declining • Sequential acceleration across most geographies SMB Merchant Services Gaining momentum • Growing order entry with improving win- rate • Mobility & Self Service continuing to deliver strong growth Enterprise • Successfully repositioned with improved traction in Digital • Improved dynamic with strategic customers • Still impacted by portfolio derisking Global Commerce • Impacted by planned contract terminations • Important new deals signed demonstrating the strength of our value proposition • Well positioned on future payment infrastructures Financial Services More gradual recovery 1. Excluding Mets (restated under IFRS 5), Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia 2. Published revenue: €973M (1.0%) organic based on the published scope (excl MeTS for H1’26, WL North America / PaymentIQ starting March 26, Cetrel starting May 26 and WL New Zealand starting June 26) Fully pruned revenue: €904M flat y/y organic1,2
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Winning as a key provider for payments infrastructure H1 2026 Results - Worldline - 8 Solution Outsourcing of payments operations • Credit card issuing • Transaction processing • IT platform • Customer services • Acquiring payment service provider supporting banks and merchants • Worldline provides core infrastructure role: wallet, fraud detection and offline • Covers in-store, e-commerce and mobile payments • Pilot launch in H2’27 Digital Euro Pilot Selection Solution
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outsourcing agreement Signed Merchant Cash Advance Launched with One Commerce launched in the UK Model Context Protocol servers on Global Collect Strong progress on financial and business priorities H1 2026 Results - Worldline - 9Financial and portfolio management Products Balance sheet has been strengthened. Revenue turnaround is on track, with tailwind of new product launches Mar 2026 May 2026 New operating model with Jun 2026Nov 2025 Apr 2026 Jul 2026Jan 2026 End of Rights Issue 121% take-up rate Final 20% Stake Acquisition of Greece Reverse share split Completed CMD New strategic plan and financial trajectory WL New Zealand divestment Signed WL India divestment Signed Feb 2026 First Wero transaction in Belgium First Agentic Commerce transaction in Europe ANZ WL divestment Signed Selected for ECB Digital Euro pilot Travel & Hospitality partnership with Partnership with Click to Pay For recurring payments via Global Collect Stablecoin payments enabled via Integration of MeTS divestment Closed
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North Star 2030 delivering H1 2026 Results - Worldline - 10 Simplify Office utilisation optimisation Crédit Agricole partnership evolution Full ownership of WL Greece Converge 5K merchants migrated in Italy 80% Ogone SME portfolio on GOPAY Advanced infrastructure upgrade Launchpad pilot in Belgium Integrate Global Collect repositioned 66% internal mobility Grow Circle, OpenStandard consortium Tap On Mobile for ISVs Click to Pay recurring, Klarna Agentic commerce Decreasing personnel expenses with 3% FTE reduction in Europe year to date
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Crédit Agricole partnership H1 2026 Results - Worldline - 11 • Simplified operating model: transition from an equity-based JV to a commercial partnership • Crédit Agricole becomes the sole CAWL shareholder Strong Partnership MaintainedStrategic Rationale Future Unlocking value through improved operational and commercial agility • Joint commercial momentum: significant tender wins from large merchants in recent years • Crédit Agricole continues to integrate Worldline acceptance solutions into its offerings • France’s first agentic payment transaction (Worldline + Crédit Agricole) • Crédit Agricole continues to be an anchor shareholder • France remains a key strategic market for Worldline Simplify
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Global Collect H1 2026 Results - Worldline - 12 Dedicated set up Dedicated operating model improving go-to- market effectiveness Winning in Digital & Travel With complex cross border requirements – partnering with 800+ global enterprises High performance Tech stack AI driven smart routing, recurring payments, Reverse API & Agentic Commerce capabilities One Global Platform leveraging Wordline’s core shared services (acquiring, agentic, Alternative Payment Methods) to access Europe and 150+ markets Integrate Repositioned to grow Empowered to be a growth driver for Worldline
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Worldline ready for agentic commerce H1 2026 Results - Worldline - 13 1 Technical Foundation 2 Payment Readiness 3 End-to-End: The Worldline Edge Worldline MCP Server Exposes our payment capabilities natively to AI agents and LLM platforms. AI agent / LLM platform Worldline MCP Server Worldline payment capabilities Live Production Transaction End-to-end agentic payment on Visa Intelligent Commerce and Mastercard Agent Pay, with ING Regulatory-Grade Authentication SCA/PSD2-compliant authentication, ready for Europe UCP Payment Handler Powers merchant payments across any UCP -capable agent, scaling on Worldline’s payment infrastructure Protocol-Agnostic One unified interface, built to work across emerging protocols Full-Chain Processing Worldline can power one connected flow across the whole payment chain. Acceptance Acquiring Issuing Processing Worldline infrastructure layer : payment-led, European, agnostic, and connected end-to-end Positioned at the forefront of the next channel of commerce Grow
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Accelerating GenAI through a trusted AI operating model H1 2026 Results - Worldline - 14 Foundations Scaled roll out Early business impact • Infrastructure • Governance • Risk management • Security • Compliance by design • EU data residency • 83%: developers using AI coding tools • 58%: AI usage across group • Multi-model architecture to optimise costs: Claude, Google, Mistral, Open Source • Software delivery: feature development velocity x2.7 • +3%: acceptance rate for cross border solutions thanks to AI smart routing • Agentic commerce: first end-to- end transactions in 3 countries in Europe Scaling GenAI through a secure, governed and trusted operating model
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H1’26 results Srikanth Seshadri Group CFO H1 2026 Revenue - Worldline- 15
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- 16H1 2026 Revenue - Worldline H1’26 key figures fully pruned €1,736M fully pruned revenue1 (0.2)% organic growth (3%) organic growth on NNR basis3 €1,897M published revenue2 €294M fully pruned adj. EBITDA1 16.9% adj. EBITDA margin 22% margin on NNR basis €328M published adj. EBITDA2 €(27)M fully pruned free cash flow1 €(35)M published free cash flow2 €65M published net income2 Group Share normalised3 €2.04 diluted EPS2 Group Share normalised3 Vs 12.49 € in H1’25 1. Excluding Mets (restated under IFRS 5), Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia 2. Based on the published scope (excl MeTS for H1’26 (restated under IFRS 5), WL North America / PaymentIQ starting March 26, Cetrel starting May 26 and WL New Zealand starting June 26) 3. Normalized figures adjusted for (Group share): integration and restructuring costs, equity-based compensation, customer relationships & patents amortization and goodwill impairment
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Pruning program now successfully completed H1 2026 Revenue - Worldline - 17 Q1 2026 Q2 2026 Q3 2026 PaymentIQ MeTS WL MS India WL NA Cetrel JV ANZ WL WL NZ Net proceeds expected at €590 - 640M with €580M received. Expected closing dates Non-synergetic payment WL North America Payment IQ WL MS India JV ANZ Worldline WL New Zealand Non-core payment MeTS1 Cetrel Divestments announced Divestments closed 1. Only MeTS is restated in the IFRS P&L as a discontinued operation under IFRS 5
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Understanding P&L and FCF H1 26 scope Cetrel Fully pruned Worldline Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Q3 2026 MeTS1 H1 2026 published Revenues: €1,897m aEBITDA: €328m FCF: €(35)m Dec-26Dec-25 H1 2026 Revenues: €1,736m aEBITDA: €294m FCF: €(27)m H1 2026 Results - Worldline - 18 1. restated on a specific line under IFRS 5 WL NZ WL MS India & JV ANZ WL WL NAM & PaymentIQ
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1970 1921 1897 1739 1736 H1 25 published H1 25 published* H1 26 published H1 25 Fully pruned** H1 26 Fully pruned 347 327 328 299 294 H1 25 published H1 25 published* H1 26 published H1 25 Fully pruned** H1 26 Fully pruned Adj. EBITDA (in €M) FCF (in €M) Scope Excluding MeTS only (IFRS 5) Excl. MeTS, WL NA and PaymentIQ from March 2026, Cetrel from May 2026 and WL NZ from June 2026 Excl. MeTS, WL NA, PaymentIQ, Cetrel, WL NZ, WL MS India and JV ANZ WL Revenues (in €M) (1.3)% (0.2)% H1 published and fully pruned results 21 0 -35 -11 -27 H1 25 published H1 25 published* H1 26 published H1 25 Fully pruned** H1 26 Fully pruned * At H126 published scope and H126 exchange rates ** At H126 exchange rates H1 2026 Results - Worldline - 19
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In € million Q2 2026 Q2 2025* Organic growth Organic growth (NNR) Merchant Services 789 785 +0.5% (2.5%) Financial Services 184 198 (6.9%) (6,7%) Worldline 973 983 (1.0%) (3.6%) Organic revenue growth H1 2026 Results - Worldline - 20 Q2 2026 Group Revenue published2 *At constant scope and exchange rates Q2 2026 Group Revenue fully pruned1 In € million Q2 2026 Q2 2025 Organic growth Organic growth (NNR) Merchant Services 721 707 +2.0% (2.1%) Financial Services 183 197 (6.9%) (6.8%) Worldline 904 904 0.0% (3.4%) 1. Excluding Mets, Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia 2. Based on the published scope (excl MeTS for H1’26 restated under IFRS 5, WL North America / PaymentIQ starting March 26, Cetrel starting May 26 and WL New Zealand starting June 26) By Business Line
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Merchant Services Key highlights H1 2026 Results - Worldline - 21 Q2’26 revenue at €721M / 2.0% organic growth / / (2.1)% NNR organic growth fully pruned SMB growing low single digit: • Continued momentum in the Nordics, Germany, Italy, Greece and CEE • Switzerland further stabilising • Benelux to gradually recover Traction with partners and ISVs. Increasing tractionin Value Added Services Enterprise growing low single digit: • Continued growth in Mobility and Self-service driven by Petrol & transportation • One Commerce: continued traction in Germany, the UK and Poland Global Commerce declining low single digit: • Travel maintains strong momentum • Global Collect back to growth • Digital vertical still under pressure due to expected churn Q2’26 Commercial wins / upsells Enterprise SMB / Partners Global Commerce 15 contracts signed
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Financial Services Key highlights H1 2026 Results - Worldline - 22 Q2’26 Commercial wins / upsells Implementation of one domestic Verification of Payee scheme Supporting the introduction and migration to Wero in the Netherlands Selection by ECB to participate in Digital Euro pilot “Service Bureau”: A2A infrastructure connectivity French banks Q2’26 revenue of €183M / (6.9)% organic decline fully pruned Revenue still impacted by legacy contract terminations. Underlying commercial dynamic is positive, which should lead to a progressive improvement Issuing • Major deal signed in the Netherlands • Platform agentic ready • Ongoing enhancements in digital and value-added features to support future growth • Still legacy contract terminations impacting revenues Acquiring • Positive volume developments in most regions (Germany, France and Belgium) • Supporting clients in developing Wero acceptance Account & Instant Payments • Lower revenues reflecting legacy contract terminations • Volume growth in Instant Payments and CSM1 partly mitigating the impact Digital Services & Fraud • Revenue growth driven by ACS, wallet solutions, and trusted authentication • ACS and anti-fraud solution supporting agentic payment transactions Outsourcing of ICS core operations Acquiring processing back-up services 1 CSM: Clearing and Settlement Mechanism
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(in €m) H1 2026 H1 2025* H1’26 margin (on Fully pruned revenue) vs. H1’25 margin (on Fully pruned Revenue) H1’26 margin (on NNR) vs. H1’25 margin (on NNR) Merchant services 261 247 19.0% +70 bps 26.7% +170 bps Financial services 67 84 18.5% -290 bps 18.7% -300 bps Corporate (34) (32) (1.9%) -10 bps (2.5%) -20 bps Worldline 294 299 16.9% -30 bps 22.0% +30 bps H1’26 Financial performance H1 2026 Results - Worldline - 23 H1 2026 Group Fully pruned Adjusted EBITDA1 H1 2026 Group Fully pruned Revenue1 (in €m) H1 2026 H1 2025* Organic growth (Fully pruned revenue) Organic growth (NNR) Merchant services 1,373 1,349 +1.8% (1.4%) Financial services 363 390 (7.1%) (7.2%) Worldline 1,736 1,739 (0.2%) (3.0%) *at 2025 constant scope and exchange rates 1. Excluding Mets, Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia
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Income statement published data (IFRS 5 application) H1 2026 Revenue - Worldline * In application of IFRS 5, comparative data at June 30, 2025 has been restated (only MeTS is concerned) ** Mainly currency translation adjustment and capital gain/ loss from divestments *** Normalized net income Group share (and continuing operations) excluding unusual and infrequent items net of tax **** scope and FX effect on variation, assuming H125 with the same scope and FX than H126 (In € million) H1'25* H1'26 Var N/ N-1 Of whcih scope & FX**** Revenue 1 970 1 897 (74) (49) Personnel expenses (650) (628) 22 10 Operating expenses (1 153) (1 103) 50 21 Operating margin 167 165 (2) (20) Adjusted EBITDA 347 328 (19) (20) Integration & rationalization costs (72) (32) 39 (1) EBITDA 275 296 20 (21) Customer relationships and patents amortization (116) (120) (4) Depreciations & amortizations (180) (163) 17 Other OOI** (13) (76) (62) Goodwill impairment (4 060) - 4 060 Operating income (4 093) (63) 4 031 Net financial expenses (183) (64) 119 Income tax expense 16 31 15 Non-controlling interests & share of associates 14 (1) (15) Net income/(loss) - Owners of the parent company, in continuing operations (4 247) (97) 4 150 Normalized Net income.(loss) - Group Share*** 88 65 (22) Normalized diluted EPS (€) 12,49 2,04 (8,45) Highlights (Equivalent divestment scope) • Organic revenue declining €25M, -1.3% y/y impacted by FS contract terminations • Personnel expense lower by €12M, -1.9% y/y due to reduced headcount in Western Europe • Cost control more than offset adverse effect of scheme fees • Lower integration & rationalization costs, with end of spend of Power 24 • TSS Preferred shares of circa €140M impacting H1 25, while higher financing cost in H1 26 impacts by €13M H1 2026 Results - Worldline - 24 1 1 2 2 3 3 4 4 5 5
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Published free cash flow (IFRS 5 application) H1 2026 Revenue - Worldline * In application of IFRS 5, comparative data at June 30, 2025 has been restated (only MeTS is concerned) ** scope effect on variation, assuming H125 with the same scope as H126 (In € million) H1'25* H1'26 Variation Of which scope effect only** Adjusted EBITDA 347 328 (19) (25) Capex (125) (121) 5 3 Lease payments (62) (57) 4 - Change in working capital 37 (61) (98) (2) Integration & restructuting costs (112) (45) 67 1 Tax paid (50) (37) 13 2 Interest paid (14) (35) (22) - Others (1) (7) (6) 1 FREE CASH FLOW 21 (35) (56) (21) Highlights (Equivalent divestment scope) • Adj EBITDA growing €6M ie, 1.9% y/y supported by strong cost discipline, continued North Star execution and improved profitability in Australia • 60% reduction of integration & restructuring costs due to end of Power 24 and tighter capital allocation • Better cash management (Structural & timing) supports operational deleveraging • Cost of debt increased year on year due to €12m bond buy back recognized last year and impact of new bonds issuing at 5.5% H1 2026 Results - Worldline - 25 1 1 2 2 3 3 44
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A strengthened balance sheet supports significant deleveraging 1 Includes cash from divested entities 2 Fully undrawn €1,125m Revolving Credit Facility RCF as of Jun-26. 2nd extension approved in jun-26 for a total amount of €900m. RCF amount until Jul-30 is €1,125m and between Jul-30 and the final maturity of Jul-31 is € 900m. 2219 35 -580 -489 -20 1165 Dec-25 Jun-26 FCF1 Disposals Capital Increase Others1 €(1,1)bn Net debt & leverage (€M) Liquidity 898 1847186 90 1125 1125Published cash Cash at assets held for sale Undrawn RCF2 ✓ Total cash exceeding debt commitments of H2 2026 (€414M convertible bond) and FY 2027 (€500M bonds & up to €160M Italy put) ✓ €80M cash in divested entities received, with €90M to come ✓ 2nd extension of the RCF from July 30 to July 31 approved for €900M in June 26 Jun-26 Total cash €1,937M Confirming FY26 leverage <2.0x Already achieved in H126 based on last 12-month figures Dec-25 Total cash €1,084M H1 2026 Results - Worldline -26
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Revenue €630M-€650M Adj EBITDA confirmed €(60)M to €(40)M (previously €(80)M-€(70)M) Free cash flow <2x Reported leverage confirmed Updated 2026 outlook - Fully pruned scope H1 2026 Results - Worldline - 27 Strong cost discipline and continued North Star execution Tighter capital allocation • Merchant Services Gaining traction • Financial Services Reflects timing effects from commercial rebound Stable to marginally positive (previously low-single digit organic growth)
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Conclusion Pierre-Antoine Vacheron Chief Executive Officer
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H1 performance strengthening conviction H1 2026 Results - Worldline - 29 Organisation gaining momentum In closing… Well positioned on the key future industry drivers Navigating macro forces and controlling costs
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H1 2026 Revenue - Worldline Appendix
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H1’26 Financial performance H1 2026 Results - Worldline - 31 (in €m) H1 2026 H1 2025* H1’26 margin (on Published Revenue) vs. H1’25 margin (on Published Revenue) H1’26 margin (on NNR) vs. H1’25 margin (on NNR) Merchant services 293 272 19.2% +140 bps 27.5% +250 bps Processing and Financial Institutions 69 87 18.8% -320 bps 19.1% -320 bps Corporate (34) (32) (1.8%) -20 bps (2.4%) -20 bps Worldline 328 327 17.3% +30 bps 22,9% +80 bps H1 2026 Group Published Adjusted EBITDA H1 2026 Group Published Revenue (in €m) H1 2026 H1 2025* Organic growth (Published Revenue) Organic growth (NNR) Merchant services 1,530 1,526 +0.3% (1.9%) Processing and Financial Institutions 367 395 (7.1%) (7.1%) Worldline 1,897 1,921 (1.3%) (3.3%) *at 2025 constant scope and exchange rates *at 2025 constant scope and exchange rates
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- 32H1 2026 Results - Worldline H1’26 Acquiring MSV development * Rolling 3-week average transaction volumes in euro millions on acquiring activities, proforma of Girocard acquiring volumes (previously excluded) 20242023 2025 2026 ACQUIRING MSV (€M)* (acquiring instore and online + 4.3% y/y acquiring MSV1 in H1’26 +7.8% y/y transactions on Axis +16% y/y GoPay online acceptance transactions 1. MSV: Merchant Sales Value
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- 33H1 2026 Results - Worldline NR to NNR bridge and impacts on revenue *at constant scope and exchange rates In € million Q2 2026 Schemes & Partners fees Q2 2026 Net Net Q2 2025* Schemes & Partners fees Q2 2025 Net Net OG% Q2 OG% Q2 Net Net Merchant Services 721 (214) 507 707 (189) 518 +2.0% (2.1%) Financial Services 183 (2) 181 197 (3) 194 (6,9%) (6.8%) Revenue 904 (216) 688 904 (192) 712 (0.0%) (3.4%) 1. Excluding Mets, Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia 2. Based on the published scope (excl MeTS for H1’26 restated under IFRS 5, WL North America / PaymentIQ starting March 26, Cetrel starting May 26 and WL New Zealand starting June 26) Q2 2026 Group Revenue fully pruned1 Q2 2026 Group Revenue published2 *at constant scope and exchange rates In € million Q2 2026 Schemes & Partners fees Q2 2026 Net Net Q2 2025* Schemes & Partners fees Q2 2025 Net Net OG% Q2 OG% Q2 Net Net Merchant Services 789 (245) 544 785 (227) 558 +0.5% (2.5%) Financial Services 184 (2) 182 198 (3) 195 (6.9%) (6,7%) Revenue 973 (247) 726 983 (230) 753 (1.0%) (3.6%)
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EBITDA to Adjusted EBITDA & Operating margin to Adjusted EBITDA H1 2026 Results - Worldline - 34 * In application of IFRS 5, comparative data at June 30, 2025 has been restated (only MeTS is concerned) (in €M) H1-25* H1’26 Operating margin 167 165 + Depreciation of fixed assets 171 155 + Net book value of assets sold/written off 1 1 +/- Net charges/(release) of pension provisions 2 (1) +/- Net charges/(release) of provisions 5 8 Adjusted EBITDA 347 328 Rationalization and associated costs (from other operating income and expenses) (30) (17) Integration and acquisition costs (42) (15) EBITDA 275 296
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- 35H1 2026 Results - Worldline Net income to normalized net income reconciliation (in €M) H1’25* H1’26 Net income – Attributable to owners of the parent (4,247) (97) Other operating income and expenses (Group share) 4,234 214 Financial loss on fair value of preferred shares (Group’s share) 142 - Tax impact on unusual items (41) (52) Normalized net income – Attributable to owners of the parent 88 65 Average number of shares 7,004,333** 31,940,805 In € Basic EPS (606.28) (3.03) Diluted EPS (606.28) (3.03) Normalized basic EPS 12.49 2.04 Normalized diluted EPS 12.49 2.04 * In application of IFRS 5, comparative data at June 30, 2025 has been restated (only MeTS is concerned) ** In application of IAS 33 comparative data at June 30, 2025 has been restated due to reverse share split
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- 36H1 2026 Results - Worldline Leverage ratio bridge including IFRS16 (in €M) 2025 H1’26 Net Debt 1,936 925 Lease liability 283 239 Net debt including lease liability 2,219 1,165 Group leverage ratio including lease liability 3.0x <2x
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Net debt evolution published basis Achieving reported leverage <2x by H1’26 H1 2026 Results - Worldline - 37 * In application of IFRS 5, comparative data at June 30, 2025 has been restated (only MeTS is concerned) ** Net debt including lease liability (IFRS16) Highlights Net debt reduced significantly, driven by capital increase and divestments • Net proceeds from divestments of 580m€ contained in: • Net acquisitions/ disposals comprising Payment IQ, WL NA, Cetrel and WL NZ • Discontinued/assets held for sale comprising MeTs • €489M proceeds from capital increase, remaining fees to be paid in H2 2026 to reach €470M (In € million) H1'25* H1'26 Variation (NET DEBT) / CASH as of january 1st (2,012) (2,219) (207) Jan 1st IFRS 9 adjustment - 11 11 Free Cash Flow 21 (35) (56) Net acquisitions / disposals (135) 271 406 Capital increase - 489 489 Amortization of interests on convertible bonds (8) (2) 6 Change in lease liabilities 18 56 38 Others (17) (31) (14) Change in net debt (121) 760 881 FX impacts (11) (12) (1) Discontinued / Assets held for sale (47) 306 354 (NET DEBT) / CASH as of june 30th** (2,191) (1,165) 1,027 1 1 2 2 3 3
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Highlights • Goodwill variation is primarily related to FX • Other assets increasing due to deferred payments related to the 2026 divestments (MeTS and Cetrel) • Shareholder’s equity increase mainly related to the Capital increase for €489m Balance Sheet H1 2026 Results - Worldline - 38 * Financial assets & instruments / Investments in associates ** Other non-current liabilities & financial instruments (In € million) As at December 31, 2025 As at June 30, 2026 Variation Goodwill 3 840 3 827 (13) Other Intangible assets 1 839 1 712 (127) Tangible assets & right of use 398 349 (49) Other assets* 190 255 65 Deferred tax net (205) (133) 72 Working capital (excl. taxes) (243) (213) 30 Current taxes net (19) (3) 15 Shareholders’ equity (4 042) (4 511) (469) Provisions (incl. Pensions) (240) (262) (22) Net Debt (2 219) (1 165) 1 054 Other liabilities** (3) (5) (2) Assets held for sale - net 703 148 (554) Total assets/Liabilities 13 145 13 114 (31) 1 2 3 3 2 1
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IFRS 5 | H1 2026 P&L bridge (In € million) Before IFRS 5 MeTS Assets held for sale Published Revenue 2,083 (186) - 1,897 Personnel expenses (731) 103 - (628) Operating expenses (1,157) 54 - (1,103) Operating margin 194 (29) - 165 Of which Adjusted EBITDA 351 (22) - 328 - - - - Other operating income and expenses (222) (6) - (228) Operating income (28) (35) - (63) Net financial expenses (65) 1 - (64) Net income before tax (93) (33) - (127) Taxes 35 (4) - 31 % ETR -37.5% -12.7% 0.0% 24.3% Share of net profit/(loss) in associates (2) - - (2) Net income - Continuing (60) (38) - (98) Net income - Discontinuing (0) 38 - 38 Net Income / loss (60) - - (60) Of which attributable to: - owners of the parent (59) - - (59) - non-controlling interests (1) - - (1) H1 2026 Results - Worldline - 39
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IFRS 5 | H1 2026 BS bridge 1/2 (In € million) Before IFRS 5 MeTS Assets held for sale Published Goodwill 3,848 - (21) 3,827 Other Intangible assets 1,784 - (72) 1,712 Tangible assets 155 - (17) 138 Right-of-use 233 - (21) 212 Non-current financial assets 123 - (1) 122 Investments in associates 33 - - 33 Non-current financial instruments 0 - - 0 Deferred tax assets 139 - (31) 108 Total non-current assets 6,315 - (164) 6,151 Inventories 34 - (0) 34 Trade accounts and notes receivables 525 - (14) 511 Current taxes 105 - (7) 97 Other current assets 245 (0) (3) 242 Assets linked to intermediation activities 3,853 - (273) 3,580 Current financial instruments 100 - - 100 Cash and cash equivalents 1,937 - (90) 1,847 Assets held for sale 0 - 551 551 Total current assets 6,799 (0) 164 6,963 TOTAL ASSETS 13,114 (0) 0 13,114 H1 2026 Results - Worldline - 40
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IFRS 5 | H1 2026 BS bridge 2/2 (In € million) Before IFRS 5 MeTS Assets held for sale Published Total shareholders’ equity 4,511 - - 4,511 Provisions for pensions and similar benefits 145 - (0) 144 Provisions 113 - (1) 113 Non current Financial liabilities 1,672 - (33) 1,639 Deferred tax liabilities 258 - (17) 241 Lease liabilities 169 - (15) 154 Other non-current liabilities 1 - - 1 Total non-current liabilities 2,358 - (66) 2,292 Trade accounts and notes payables 587 - (41) 546 Current taxes 109 - (8) 100 Current provisions 5 - (0) 5 Current financial instruments 4 - - 4 Current portion of borrowings 1,133 - - 1,133 Liabilities linked to intermediation activities 3,849 - (268) 3,580 Current lease liabilities 91 - (5) 85 Other current liabilities 468 - (14) 454 Liabilities held for sale (0) - 403 403 Total current liabilities 6,245 - 66 6,311 TOTAL LIABILITIES & SHAREHOLDERS' EQUITY 13,114 - (0) 13,114 H1 2026 Results - Worldline - 41
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IFRS 5 | H1 2026 Cash Flow Statement bridge (In € million) Before IFRS 5 MeTS Assets held for sale Published Profit before tax (80) (47) - (127) Cash from operating activities before change in WCR, financial interest and taxes 284 (19) - 265 Taxes paid (37) - - (37) Change in working capital requirement (96) 35 - (61) Net cash from operating activities 144 - - 144 Net operating investments (133) 13 - (120) Net long-term investments (92) 319 15 242 Net cash from investing activities 130 - 15 145 Net cash from financing activities 569 - - 569 Net cash - Continued 533 54 15 601 Opening net cash - Continuing 1,072 (56) (130) 886 Opening net cash - Jan 1st adjustment IFRS 9 11 - - 11 Increase/ (decrease) in net cash and cash equivalents - continued 843 (257) 15 601 Impact of exchange rate fluctuations on cash and cash equivalents (2) 2 (3) (3) Increase/ (decrease) in net cash and cash equivalents - discontinued - 257 - 257 Cash and cash equivalents reclassified at end of period in "Assets held for sale" - 54 29 83 Closing net cash - Continuing 1,924 0 (90) 1,835 H1 2026 Results - Worldline - 42