WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:WLN - FR0011981968 - Common Stock
1.503 EUR
0 (-0.2%)
Taking everything into account, WLN scores 3 out of 10 in our fundamental rating. WLN was compared to 60 industry peers in the Financial Services industry. WLN may be in some trouble as it scores bad on both profitability and health. WLN has a bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
- WLN had positive earnings in the past year.
- In the past year WLN had a positive cash flow from operations.
- The reported net income has been mixed in the past 5 years: WLN reported negative net income in multiple years.
- WLN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- WLN has a worse Return On Assets (-28.16%) than 86.67% of its industry peers.
- WLN's Return On Equity of -112.71% is on the low side compared to the rest of the industry. WLN is outperformed by 83.33% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 2.44%, WLN is in line with its industry, outperforming 48.33% of the companies in the same industry.
- WLN had an Average Return On Invested Capital over the past 3 years of 2.59%. This is significantly below the industry average of 10.51%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROIC | 2.44% |
ROA(3y)-1.31%
ROA(5y)-1.37%
ROE(3y)-3.31%
ROE(5y)-3.31%
ROIC(3y)2.59%
ROIC(5y)2.28%
1.3 Margins
- WLN has a Operating Margin of 6.40%. This is in the lower half of the industry: WLN underperforms 61.67% of its industry peers.
- WLN's Operating Margin has declined in the last couple of years.
- With an excellent Gross Margin value of 84.73%, WLN belongs to the best of the industry, outperforming 81.67% of the companies in the same industry.
- In the last couple of years the Gross Margin of WLN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.4% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% |
OM growth 3Y-7.61%
OM growth 5Y-8.43%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.13%
GM growth 5Y-1.58%
2. Health
2.1 Basic Checks
- WLN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- Compared to 1 year ago, WLN has more shares outstanding
- The number of shares outstanding for WLN has been increased compared to 5 years ago.
- Compared to 1 year ago, WLN has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.24, we must say that WLN is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.24, WLN is doing worse than 68.33% of the companies in the same industry.
- WLN has a debt to FCF ratio of 13.46. This is a negative value and a sign of low solvency as WLN would need 13.46 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 13.46, WLN perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
- A Debt/Equity ratio of 0.83 indicates that WLN is somewhat dependend on debt financing.
- WLN has a worse Debt to Equity ratio (0.83) than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Altman-Z | 0.24 |
ROIC/WACC1.42
WACC1.71%
2.3 Liquidity
- WLN has a Current Ratio of 1.06. This is a normal value and indicates that WLN is financially healthy and should not expect problems in meeting its short term obligations.
- WLN has a Current ratio of 1.06. This is in the lower half of the industry: WLN underperforms 61.67% of its industry peers.
- WLN has a Quick Ratio of 1.06. This is a normal value and indicates that WLN is financially healthy and should not expect problems in meeting its short term obligations.
- WLN has a Quick ratio of 1.06. This is in the lower half of the industry: WLN underperforms 61.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 |
3. Growth
3.1 Past
- The earnings per share for WLN have decreased strongly by -30.29% in the last year.
- The Revenue has decreased by -2.35% in the past year.
- The Revenue has been growing by 14.23% on average over the past years. This is quite good.
EPS 1Y (TTM)-30.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-41.89%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
3.2 Future
- WLN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.24% yearly.
- The Revenue is expected to decrease by -0.20% on average over the next years.
EPS Next Y-47.2%
EPS Next 2Y-28.84%
EPS Next 3Y-16.09%
EPS Next 5Y-6.24%
Revenue Next Year-1.74%
Revenue Next 2Y-2.59%
Revenue Next 3Y-1.32%
Revenue Next 5Y-0.2%
3.3 Evolution
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 1.23, the valuation of WLN can be described as very cheap.
- Based on the Price/Earnings ratio, WLN is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, WLN is valued rather cheaply.
- With a Price/Forward Earnings ratio of 1.94, the valuation of WLN can be described as very cheap.
- Based on the Price/Forward Earnings ratio, WLN is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.30. WLN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.23 | ||
| Fwd PE | 1.94 |
4.2 Price Multiples
- WLN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. WLN is cheaper than 95.00% of the companies in the same industry.
- WLN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WLN is cheaper than 95.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.44 | ||
| EV/EBITDA | 0.44 |
4.3 Compensation for Growth
- A cheap valuation may be justified as WLN's earnings are expected to decrease with -16.09% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-28.84%
EPS Next 3Y-16.09%
5. Dividend
5.1 Amount
- No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:WLN (1/22/2026, 5:29:40 PM)
1.503
0 (-0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-21 2025-10-21
Earnings (Next)02-25 2026-02-25/amc
Inst Owners64.9%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap426.21M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts49.52
Price Target2.24 (49.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.71%
PT rev (3m)-41.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.13%
EPS NY rev (3m)-16.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)-0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.23 | ||
| Fwd PE | 1.94 | ||
| P/S | 0.09 | ||
| P/FCF | 1.44 | ||
| P/OCF | 0.77 | ||
| P/B | 0.11 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.44 |
EPS(TTM)1.22
EY81.17%
EPS(NY)0.77
Fwd EY51.54%
FCF(TTM)1.04
FCFY69.22%
OCF(TTM)1.94
OCFY129.4%
SpS16.04
BVpS14.03
TBVpS-11.15
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROCE | 3.42% | ||
| ROIC | 2.44% | ||
| ROICexc | 3.1% | ||
| ROICexgc | N/A | ||
| OM | 6.4% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% | ||
| FCFM | 6.49% |
ROA(3y)-1.31%
ROA(5y)-1.37%
ROE(3y)-3.31%
ROE(5y)-3.31%
ROIC(3y)2.59%
ROIC(5y)2.28%
ROICexc(3y)3%
ROICexc(5y)2.59%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.56%
ROCE(5y)3.13%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y8.72%
ROICexc growth 5Y-13.12%
OM growth 3Y-7.61%
OM growth 5Y-8.43%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.13%
GM growth 5Y-1.58%
F-Score5
Asset Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 5.47% | ||
| Cap/Sales | 5.64% | ||
| Interest Coverage | 19.03 | ||
| Cash Conversion | 11.08% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 0.24 |
F-Score5
WACC1.71%
ROIC/WACC1.42
Cap/Depr(3y)43.7%
Cap/Depr(5y)47.44%
Cap/Sales(3y)6.91%
Cap/Sales(5y)6.63%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-30.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-41.89%
EPS Next Y-47.2%
EPS Next 2Y-28.84%
EPS Next 3Y-16.09%
EPS Next 5Y-6.24%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.74%
Revenue Next 2Y-2.59%
Revenue Next 3Y-1.32%
Revenue Next 5Y-0.2%
EBIT growth 1Y-40.86%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year9.24%
EBIT Next 3Y3.6%
EBIT Next 5Y2.12%
FCF growth 1Y-57.78%
FCF growth 3Y-24.81%
FCF growth 5Y0.55%
OCF growth 1Y-47.86%
OCF growth 3Y-15%
OCF growth 5Y7.16%
WORLDLINE SA / WLN.PA FAQ
Can you provide the ChartMill fundamental rating for WORLDLINE SA?
ChartMill assigns a fundamental rating of 3 / 10 to WLN.PA.
What is the valuation status of WORLDLINE SA (WLN.PA) stock?
ChartMill assigns a valuation rating of 7 / 10 to WORLDLINE SA (WLN.PA). This can be considered as Undervalued.
What is the profitability of WLN stock?
WORLDLINE SA (WLN.PA) has a profitability rating of 3 / 10.
Can you provide the financial health for WLN stock?
The financial health rating of WORLDLINE SA (WLN.PA) is 2 / 10.
Can you provide the expected EPS growth for WLN stock?
The Earnings per Share (EPS) of WORLDLINE SA (WLN.PA) is expected to decline by -47.2% in the next year.