WORLDLINE SA (WLN.PA)
FR0011981968 - Common Stock
WLN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 48 industry peers in the Financial Services industry. Both the profitability and financial health of WLN have multiple concerns. WLN is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year WLN was profitable.
WLN had a positive operating cash flow in the past year.
In multiple years WLN reported negative net income over the last 5 years.
Each year in the past 5 years WLN had a positive operating cash flow.
1.2 Ratios
WLN has a worse Return On Assets (-3.76%) than 90.48% of its industry peers.
Looking at the Return On Equity, with a value of -9.53%, WLN is doing worse than 88.10% of the companies in the same industry.
With a Return On Invested Capital value of 2.65%, WLN is not doing good in the industry: 61.90% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for WLN is significantly below the industry average of 10.55%.
The 3 year average ROIC (2.44%) for WLN is below the current ROIC(2.65%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.76% | ||
| ROE | -9.53% | ||
| ROIC | 2.65% |
ROA(3y)-2.05%
ROA(5y)-0.16%
ROE(3y)-4.88%
ROE(5y)-0.65%
ROIC(3y)2.44%
ROIC(5y)2.81%
1.3 Margins
Looking at the Operating Margin, with a value of 10.55%, WLN is in line with its industry, outperforming 42.86% of the companies in the same industry.
WLN's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 88.46%, WLN belongs to the best of the industry, outperforming 90.48% of the companies in the same industry.
WLN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.55% | ||
| PM (TTM) | N/A | ||
| GM | 88.46% |
OM growth 3Y-6.92%
OM growth 5Y-6.73%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.27%
GM growth 5Y-2.17%
2. Health
2.1 Basic Checks
WLN has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
WLN has more shares outstanding than it did 1 year ago.
WLN has more shares outstanding than it did 5 years ago.
The debt/assets ratio for WLN has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.42, 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 0.42, WLN is doing worse than 78.57% of the companies in the same industry.
WLN has a debt to FCF ratio of 8.83. This is a slightly negative value and a sign of low solvency as WLN would need 8.83 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 8.83, WLN is doing worse than 64.29% of the companies in the same industry.
A Debt/Equity ratio of 0.37 indicates that WLN is not too dependend on debt financing.
The Debt to Equity ratio of WLN (0.37) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 8.83 | ||
| Altman-Z | 0.42 |
ROIC/WACC0.7
WACC3.77%
2.3 Liquidity
WLN has a Current Ratio of 1.05. 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 worse Current ratio (1.05) than 73.81% of its industry peers.
A Quick Ratio of 1.04 indicates that WLN should not have too much problems paying its short term obligations.
WLN's Quick ratio of 1.04 is on the low side compared to the rest of the industry. WLN is outperformed by 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
The earnings per share for WLN have decreased by -1.60% in the last year.
The Earnings Per Share has been growing by 10.56% on average over the past years. This is quite good.
The Revenue has been growing slightly by 1.54% in the past year.
Measured over the past years, WLN shows a very strong growth in Revenue. The Revenue has been growing by 21.80% on average per year.
EPS 1Y (TTM)-1.6%
EPS 3YN/A
EPS 5Y10.56%
EPS Q2Q%-11.9%
Revenue 1Y (TTM)1.54%
Revenue growth 3Y23.25%
Revenue growth 5Y21.8%
Sales Q2Q%2.09%
3.2 Future
The Earnings Per Share is expected to grow by 3.38% on average over the next years.
WLN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.14% yearly.
EPS Next Y0.72%
EPS Next 2Y4.52%
EPS Next 3Y6.26%
EPS Next 5Y3.38%
Revenue Next Year0.94%
Revenue Next 2Y2.07%
Revenue Next 3Y2.8%
Revenue Next 5Y4.14%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
Based on the Price/Earnings ratio of 4.11, the valuation of WLN can be described as very cheap.
Based on the Price/Earnings ratio, WLN is valued cheaper than 83.33% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.48, WLN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 3.76, 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 92.86% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.95, WLN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.11 | ||
| Fwd PE | 3.76 |
4.2 Price Multiples
88.10% of the companies in the same industry are more expensive than WLN, based on the Enterprise Value to EBITDA ratio.
85.71% of the companies in the same industry are more expensive than WLN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.69 | ||
| EV/EBITDA | 1.79 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates WLN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)5.71
PEG (5Y)0.39
EPS Next 2Y4.52%
EPS Next 3Y6.26%
5. Dividend
5.1 Amount
No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
WORLDLINE SA
EPA:WLN (12/6/2024, 7:00:00 PM)
7.604
+0.19 (+2.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.15B
Analysts
Price Target
Short Float %
Short Ratio
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.11 | ||
| Fwd PE | 3.76 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)5.71
PEG (5Y)0.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.76% | ||
| ROE | -9.53% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 10.55% | ||
| PM (TTM) | N/A | ||
| GM | 88.46% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-1.6%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y0.72%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)1.54%
Revenue growth 3Y23.25%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y