Worldline Plans to Sell PaymentIQ to Incore Invest for 160 Million Euros
Worldline has announced its intention to sell its PaymentIQ platform to Incore Invest for an estimated sum of 160 million euros, as part of a strategic refocus.
According to the press release, the impact of the PaymentIQ sale on Worldline's finances is expected to result in a 50 million euro reduction in revenue, a 40 million euro decrease in adjusted EBITDA, and a 30 million euro reduction in cash flow by 2026.
Part of the 'North Star' Transformation Plan
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The sale of PaymentIQ is part of Worldline's 'North Star' transformation plan, which aims to focus its efforts on the European payments market. This operation demonstrates the group's commitment to simplifying its operations and optimizing resource allocation, the company indicates.
Additional Divestitures
In addition to the divestiture of PaymentIQ, Worldline has also conducted other divestiture operations, bringing the net cash proceeds from these sales to an amount ranging between 510 and 560 million euros. The completion of the sale is scheduled for the first quarter of 2026, subject to the completion of the consultation process with the works councils.
SectorServices financiers›Services de traitement des transactions
Context
Period
Period: 3T 2025
Guidance from the release
Le chiffre d'affaires du troisième trimestre a été conforme à nos attentes... Nous confirmons donc nos prévisions pour 2025.
T3 conforme aux attentes avec -0,8 % organique ; resserrement de la guidance 2025 (baisse organique 1-4 %) ; EBE ajusté attendu 830-855m€ ; processus de cessions en cours (Mobilité & Services Web Transactionnels, activités nord-américaines) ; revues externes du portefeuille HBR et du cadre de conformité finalisées.
Risks mentioned
Baisse organique du chiffre d'affaires (guidance 2025 -1 % à -4 %)
Opérationnalisation inégale du cadre de conformité FCC au sein des entités
Portefeuille de commerçants à haut risque nécessitant surveillance continue
Hausse des coûts de financement impactant le cash-flow
Opportunities identified
Cessions d'actifs stratégiques (valorisation Mobilité 400m€ +10m€ conditionnels ; Nord-Amérique 70m€) pour simplifier le périmètre
Montée en puissance du nouveau management et simplification organisationnelle
Croissance des solutions SoftPOS et terminaux de nouvelle génération
Partenariats stratégiques (Yeepay, Outpayce) et contrats clients majeurs (RDG, Garanti Bank, grands groupes hôteliers)
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