WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:WLN - FR0011981968 - Common Stock
1.4955 EUR
+0.01 (+0.64%)
WLN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 58 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.
WLN had a positive operating cash flow in the past year.
In multiple years WLN reported negative net income over the last 5 years.
WLN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of WLN (-28.16%) is worse than 87.93% of its industry peers.
With a Return On Equity value of -112.71%, WLN is not doing good in the industry: 84.48% of the companies in the same industry are doing better.
WLN has a Return On Invested Capital of 2.43%. This is comparable to the rest of the industry: WLN outperforms 48.28% of its industry peers.
The Average Return On Invested Capital over the past 3 years for WLN is significantly below the industry average of 9.69%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROIC | 2.43% |
ROA(3y)-1.31%
ROA(5y)-1.37%
ROE(3y)-3.31%
ROE(5y)-3.3%
ROIC(3y)2.59%
ROIC(5y)2.28%
1.3 Margins
The Operating Margin of WLN (6.40%) is worse than 60.34% of its industry peers.
In the last couple of years the Operating Margin of WLN has declined.
WLN's Gross Margin of 84.73% is amongst the best of the industry. WLN outperforms 82.76% of its industry peers.
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-7.59%
OM growth 5Y-8.42%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.13%
GM growth 5Y-1.58%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so WLN is still creating some value.
Compared to 1 year ago, WLN has more shares outstanding
WLN has more shares outstanding than it did 5 years ago.
WLN has a worse debt/assets ratio than last year.
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.
WLN has a worse Altman-Z score (0.24) than 68.97% of its industry peers.
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 41.38% 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 Debt to Equity ratio of 0.83. This is in the lower half of the industry: WLN underperforms 62.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Altman-Z | 0.24 |
ROIC/WACC1.44
WACC1.69%
2.3 Liquidity
A Current Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.06, WLN is doing worse than 62.07% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 1.06, WLN is doing worse than 62.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 |
3. Growth
3.1 Past
WLN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.29%.
Looking at the last year, WLN shows a decrease in Revenue. The Revenue has decreased by -2.35% in the last 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
Based on estimates for the next years, WLN will show a decrease in Earnings Per Share. The EPS will decrease by -5.97% on average per year.
The Revenue is expected to grow by 0.09% on average over the next years.
EPS Next Y-47.2%
EPS Next 2Y-28.84%
EPS Next 3Y-16.09%
EPS Next 5Y-5.97%
Revenue Next Year-1.74%
Revenue Next 2Y-2.59%
Revenue Next 3Y-1.32%
Revenue Next 5Y0.09%
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.23 indicates a rather cheap valuation of WLN.
Based on the Price/Earnings ratio, WLN is valued cheaply inside the industry as 94.83% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.00. WLN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 1.93, which indicates a rather cheap valuation of WLN.
Based on the Price/Forward Earnings ratio, WLN is valued cheaply inside the industry as 94.83% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.70. WLN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.23 | ||
| Fwd PE | 1.93 |
4.2 Price Multiples
93.10% of the companies in the same industry are more expensive than WLN, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, WLN is valued cheaper than 94.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.44 | ||
| EV/EBITDA | 0.44 |
4.3 Compensation for Growth
WLN's earnings are expected to decrease with -16.09% in the coming years. This may justify a cheaper valuation.
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 (1/8/2026, 7:00:00 PM)
1.4955
+0.01 (+0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners64.9%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap424.08M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts51.43
Price Target2.21 (47.78%)
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)-17.54%
PT rev (3m)-42.69%
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 | 1.93 | ||
| 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
EY81.58%
EPS(NY)0.77
Fwd EY51.8%
FCF(TTM)1.04
FCFY69.56%
OCF(TTM)1.95
OCFY130.16%
SpS16.04
BVpS14.04
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 | 2.43% | ||
| 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)-3.3%
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 3Y8.74%
ROICexc growth 5Y-13.11%
OM growth 3Y-7.59%
OM growth 5Y-8.42%
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 | 5.49% | ||
| Cap/Sales | 5.65% | ||
| Interest Coverage | 19.02 | ||
| Cash Conversion | 11.09% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 0.24 |
F-Score5
WACC1.69%
ROIC/WACC1.44
Cap/Depr(3y)43.74%
Cap/Depr(5y)47.46%
Cap/Sales(3y)6.92%
Cap/Sales(5y)6.64%
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-5.97%
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 5Y0.09%
EBIT growth 1Y-40.9%
EBIT growth 3Y-0.31%
EBIT growth 5Y4.61%
EBIT Next Year9.24%
EBIT Next 3Y3.6%
EBIT Next 5Y2.41%
FCF growth 1Y-57.78%
FCF growth 3Y-24.86%
FCF growth 5Y0.51%
OCF growth 1Y-47.81%
OCF growth 3Y-15.01%
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.