Paysafe (PSFE) investor relations material

Business overview and market positioning

• Operates in over 100 countries with two main segments: merchant and digital wallet.

• Retail hospitality (40%) and gaming (34%) are the largest end markets, with digital assets at 16%.

• Strong heritage in gaming, especially in Europe, provides a competitive edge in the US.

• E-commerce business is growing at over 30%, with iGaming exceeding 50% year-over-year growth.

• SMB segment shows renewed growth, with improved direct and indirect channel performance.

Financial performance and growth outlook

• Achieved mid single-digit organic growth in the first half of the year, with expectations for acceleration in the second half.

• EBITDA expansion anticipated in the back half, driven by new client ramp-up and product launches.

• Medium-term targets remain high single-digit to low double-digit revenue growth, with double-digit EBITDA growth.

• Q2 saw 12% EBITDA growth net of divestitures, supporting confidence in cost control and growth algorithm.

• Margin expansion is expected, with a focus on top-line growth and operating expense control.

Strategic initiatives and partnerships

• Increased focus on partnerships, including expanded relationships with Fiserv, Clover, and Tilde.

• Partnerships are seen as a cost-effective growth driver, allowing selective internal development.

• Direct sales force investments have improved productivity and reduced acquisition costs by 30%.

• New product launches, such as Pago Effectivo Wallet and Account Card, are driving user engagement.

• Portfolio has been optimized by divesting higher-risk businesses and focusing on core segments.