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Q3 2026 Results October 27th, 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 with one 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. Following the finalisation of Worldline pruning program, 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.” Q3 2026 Results - Worldline - 2
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Agenda Q3 2026 Results - Worldline - 3 Appendix 01 Q3’26 Snapshot Pierre-Antoine Vacheron CEO 02 Q3’26 Revenue Srikanth Seshadri CFO Conclusion Pierre-Antoine Vacheron CEO 03 04
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Q3’26 Snapshots Pierre-Antoine Vacheron Chief Executive Officer Q3 2026 Results - Worldline - 4
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Q3 2026 Results - Worldline - 5 Q3’26 Highlights North Star 2030 on track, delivering as planned Disciplined execution delivering enhanced customer satisfaction and results Momentum building Year-to-Date Full year guidance confirmed
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Q3’26: improvement across all businesses Fully pruned revenue: €946M1 +2.5% organic y/y Q3 2026 Results - Worldline - 6 Merchant Services Solid growth Financial Services Turnaround progressing 1. Excluding Mets (restated under IFRS 5), Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia SMB Enterprise Global Commerce • NPS improvement across all geographies driving reduced churn • Growing traction with partners • Continued momentum across most markets • Solid booking momentum, supported by significant new merchant wins • Pipeline expansion across Retail and Mobility & Self Service • Benefitting from later- than-expected churn materialisation • Strong growth in Global Collect supported by increased share of wallet • Geographic expansion into Latam • Advanced deployment of Gen AI on the back of finalised platform modernisation • Underlying recurring processing activity resilient across most markets • Strong pipeline and expanding order book • Non-recurring revenue tailwinds
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One year into North Star 2030 Delivering on our commitments Q3 2026 Results - Worldline - 7 Simplify Converge Integrate Grow • 3 entities closed and one licence returned • Merchant Services delayered • Crédit Agricole partnership evolution • Full ownership of WL Greece • 3 legacy authorisation platforms decommissioned • 98% of Ogone SMB portfolio migrated to GoPay • 1/3 of Worldline’s Italian merchants migrated • Wopa platform successfully phased out • Acceleration of hosting infrastructure modernisation • Global Collect successfully repositioned • GenAI being deployed at scale • Global Competence Center capabilities expanded • YtoD bookings growth: Financial Services +91%, Enterprise +4%, Global Commerce +20% • Tap on Mobile: expanded to ISVs and MiniPOS Cube • Agentic commerce Decreasing personnel expenses with 4% FTE reduction in Western Europe Year-to-Date Progress in Q3’26
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Customer excellence Sustained improvement across most markets Yearly Worldline NPS1 campaign 2025 2026 +10 pts A key pillar of Worldline’s competitive positioning Worldline +30 Worldline +40 Q3 2026 Results - Worldline - 8 Simplify 1. NPS : Net Promoter Score
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Accelerating growth at Global Collect Q3 2026 Results - Worldline - 9 Modernisation NPS Improvement Geographic expansionSuccess Replatforming in final phase of migration GenAI enhancing Customer experience Authorisation optimisation driving measurable uplift Strategic partnership with a leading local acquirer establishes LatAm presence 10%+ growth in Q3’26 85% BACK OFFICE 99% CONNECT API 100% NEW PORTAL Refocusing plan on track: Platform modernisation nearing completion and geographic footprint expanding Flows migrated to the Next-generation platform Integrate
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Right to win • Fully embedded in each of the vertical ecosystems Mobility & Self-Service (MSS) A growth driver built on deep vertical expertise Q3 2026 Results - Worldline - 10 Value proposition • Full service: terminal, Tap on Mobile, e-commerce and acquiring • Scalable roll-out across Europe Key metrics • c. +10% y/y revenue growth in Q3 • +15% bookings growth year to date Achievements YTD • Successful market launch in the UK and Ireland • Strong traction in Italy • 3 of top 10 EU EV Charging operators secured as clients Transportation Parking Vending EV Charging Fuel retail We are trusted Transportation Parking EV Charging Fuel retail Vending Grow
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Establishing market leadership in Software-based acceptance Q3 2026 Results - Worldline - 11 Expanding across new use cases, geographies, merchant segments and partner ecosystems Kiosks for partners Tap on Mobile Android / iOS for SMB and Enterprise Worldline for Platforms for partners Ultra-compact & portable • Standalone, Android, contactless, QR code • Easy to use and cost-effective • All payment methods, digital receipts • 10K+ units sold in Germany • Live in Germany, Switzerland and Belgium MiniPOS Cube for micro- merchants • Launched in 2023 • Live across 24 countries • +213% MSV growth year to date • Value-added services including DCC, reservation, … Tap on Mobile Grow
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Q3 2026 Results - Worldline - 12 Q3’26 Revenue Srikanth Seshadri Group CFO
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In € million Q3 2026 Q3 2025* Organic growth Organic growth (NNR) Merchant Services 780 755 +3.3% 0.0% Financial Services 186 193 -3.3% -3.8% Worldline 967 948 +2.0% -1.0% 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% Organic revenue growth By Business Line Q3 2026 Results - Worldline - 13 Q3 2026 Group Revenue published2 Q3 2026 Group Revenue fully pruned1 * At constant scope and exchange rates 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, Cetrelstarting May 26, WL New Zealand starting June 26, ANZ Worldline JV in Australia and MS India starting August 2026)
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Merchant Services : Q3’26 revenue at €759M1 4.0% organic growth / flat NNR organic growth Q3 2026 Results - Worldline - 14 SMB - low single-digit growth: • Continued momentum across Greece, Italy, the Nordics, CEE and Germany • Switzerland stabilised: improved NPS, reduced churn and cost-effective terminals • Benelux: lagging behind ; turnaround plan fully activated Continued focus on VAS2 development to drive NNR growth Enterprise - growth accelerating high single-digit: • Continued growth in Mobility and Self-service, supported by geographic expansion • Retail: returning to growth with an expanding pipeline • Churn expected to normalise in Q4’26 consistent with H1’26 guidance Global Commerce - returning to low single-digit growth: • Global Collect delivering 10%+ growth, offsetting anticipated churn in the acquiring portfolio • Travel growing double digit driven by increased market share • Digital vertical returning to growth driven by wallet share gains Q3’26 Commercial wins / upsells SMB / Partners 1. Excluding Mets (restated under IFRS 5), Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia 2. VAS : Value-added services Global Commerce Enterprise
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Outperformance in Italy and the Nordics Geography Mix is impacting NNR Q3 2026 Revenue - Worldline - 15 1. FMCG : Fast-Moving Consumer Goods North Star ‘Grow’ initiatives and geographic/vertical rebalancing underway, supporting a progressive acceleration in NNR growth Take rate stable Year to Date Lower FS Customer segment Higher growth in FMCG1, travel and digital Vertical
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Financial Services : Q3’26 revenue of €186M1 (3.3)% organic decline / (5.1)% ex non-recurring items Q3 2026 Results - Worldline - 16 Revenue continues to reflect the impact of contract terminations. Positive commercial dynamics in certain regions, with bookings in line with expectations Issuing • Better volumes in Benelux • Revenue decline driven by previously announced contract terminations Acquiring • Increased volumes across several markets, notably in Belgium • First customer secured for the new cloud-based acquiring product Account & Instant Payments • Good performance in payments connectivity and messaging infrastructure • Existing customers show solid volume levels and a steady flow of fertilisation Digital Services & Fraud • Revenue growth fuelled by fraud detection, trusted authentication and ACS2 • Good presales activity around Digital Euro, FIDO and Digital Identity Q3’26 Commercial wins / upsells ATM Acquiring Processing Services Authorisation acquiring processing back-up services SaaS FIDO Server 1. Excluding Mets (restated under IFRS 5), Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia 2. ACS : Access Control Server 3. FIDO : Fast IDentity Online Acquiring & Issuing Processing
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2026 outlook confirmed1 Q3 2026 Results - Worldline - 17 Revenue growth Adj EBITDA Free cash flow Reported net leverage 1. Excluding Mets, Worldline North America, Cetrel, PaymentIQ, MS India, MS New Zealand and ANZ Worldline JV in Australia Flat to marginally positive organic revenue growth €630M-€650M €(60)M to €(40)M <2x Confirmed Confirmed AchievedConfirmed
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Conclusion Pierre-Antoine Vacheron Chief Executive Officer Q3 2026 Results - Worldline - 18
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North Star 2030 commitment delivered year to date Sustained NPS improvement reducing customer churn and accelerating bookings momentum 2026 guidance on track Q4’26 outlook in line with H1’26 expectations Disciplined execution and investments building strong foundations for sustainable growth Q3 2026 Results - Worldline - 19 Q3’26 execution producing tangible operational progress
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Q3 2026 Results - Worldline Appendix - 20
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Sound liquidity ahead of upcoming debt commitment Q3 2026 Results - Worldline - 21 Jun-26 liquidity H2 FY26 and FY27 debt commitment ✓ Strong liquidity enhanced by 1,125m€ undrawn RCF – of which 2nd extension of the RCF from July 30 to July 31 approved for €900M in June 26 ✓ Proactive debt management with ’27 bond market buyback executed in Q3 for c. 32m€ 1847 414 160 500 1074 90 1125 Liquidity June-26 Convertible bond Jul-26 Italy put H2 26 Senior bond Jun-27 Total Total cash €1,937M Undrawn RCF Cash at assets held for sale Published cash Repaid at maturity, in July 2026 On track to sustain net leverage less than 2x Total cash Jun-26 Debt commitments H2 26 + FY27 €1,937M > €1,074M Cash towards debt service 1 1 As per H1 recorded value
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Q3’26 Acquiring MSV development Q3 2026 Results - Worldline - 22 20242023 2025 2026 ACQUIRING MSV (€M)* (acquiring instore and online) +4.0 % Q3 YTD acquiring MSV1 +8.8% Q3 YTD transactions on Axis +10.9% Q3 YTD GoPay online acceptance transactions * Rolling 3-week average transaction volumes in euro millions on acquiring activities, proforma of Girocard acquiring volumes (previously excluded) 1. MSV: Merchant Sales Value
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NR to NNR bridge and impact on revenue Q3 2026 Results - Worldline - 23 Q3 2026 Group Revenue published2 In € million Q3 2026 Schemes & Partners fees Q3 2026 Net Net Q3 2025* Schemes & Partners fees Q3 2025 Net Net OG% Q3 OG% Q3 Net Net Merchant Services 780 (251) 529 755 (226) 529 +3.3% 0.0% Financial Services 186 (3) 184 193 (2) 191 (3.3)% (3.8)% Revenue 967 (254) 713 948 (228) 720 +2.0% (1.0)% *at constant scope and exchange rates Q3 2026 Group Revenue fully pruned1 In € million Q3 2026 Schemes & Partners fees Q3 2026 Net Net Q3 2025* Schemes & Partners fees Q3 2025 Net Net OG% Q3 OG% Q3 Net Net Merchant Services 759 (242) 517 730 (213) 517 +4.0% 0.0% Financial Services 186 (3) 184 193 (2) 191 (3.3)% (3.8)% Revenue 946 (245) 701 922 (215) 708 +2.5% (1.0)% *at constant scope and exchange rates 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, WL North America, PaymentIQ, Cetrel, WL New Zealand for the whole quarter and ANZ Worldline JV in Australia and MS India starting August 2026)
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NR to NNR bridge and impact on revenue Q3 2026 Results - Worldline - 24 9M 2026 Group Revenue published2 In € million 9M 2026 Schemes & Partners fees 9M 2026 Net Net 9M 2025* Schemes & Partners fees 9M 2025 Net Net OG% 9M OG% 9M Net Net Merchant Services 2 311 (713) 1 597 2 282 (663) 1 619 +1,3% (1,3)% Financial Services 553 (8) 545 587 (7) 580 (5,9)% (6,0)% Revenue 2 864 (721) 2 143 2 869 (670) 2 199 (0,2)% (2,6)% *at constant scope and exchange rates 9M 2026 Group Revenue fully pruned1 In € million 9M 2026 Schemes & Partners fees 9M 2026 Net Net 9M 2025* Schemes & Partners fees 9M 2025 Net Net OG% 9M OG% 9M Net Net Merchant Services 2 132 (639) 1 494 2 079 (571) 1 508 +2,6% (0,9)% Financial Services 549 (7) 541 583 (7) 576 (5,9)% (6,1)% Revenue 2 681 (646) 2 035 2 662 (578) 2 084 +0,7% (2,3)% *at constant scope and exchange rates 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 the whole period, WL North America / PaymentIQ starting March 26, Cetrel starting May 26, WL New Zealand starting June 26, ANZ Worldline JV in Australia and MS India starting August 2026)