WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - EPA:WLN - FR0011981968 - Common Stock
2.548 EUR
+0.12 (+4.99%)
Taking everything into account, WLN scores 3 out of 10 in our fundamental rating. WLN was compared to 51 industry peers in the Financial Services industry. WLN may be in some trouble as it scores bad on both profitability and health. WLN is cheap, but on the other hand it scores bad on growth.
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 Return On Assets of -28.16%. This is amonst the worse of the industry: WLN underperforms 84.00% of its industry peers.
WLN has a Return On Equity of -112.71%. This is amonst the worse of the industry: WLN underperforms 82.00% of its industry peers.
The Return On Invested Capital of WLN (2.43%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for WLN is significantly below the industry average of 8.73%.
| 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)-3.31%
ROIC(3y)2.59%
ROIC(5y)2.28%
1.3 Margins
WLN has a Operating Margin (6.39%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of WLN has declined.
WLN has a Gross Margin of 84.73%. This is amongst the best in the industry. WLN outperforms 82.00% of its industry peers.
In the last couple of years the Gross Margin of WLN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.39% | ||
| 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.
WLN has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, WLN has more shares outstanding
Compared to 1 year ago, WLN has a worse debt to assets ratio.
2.2 Solvency
WLN has an Altman-Z score of 0.25. This is a bad value and indicates that WLN is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.25, WLN is doing worse than 74.00% of the companies in the same industry.
WLN has a debt to FCF ratio of 13.47. This is a negative value and a sign of low solvency as WLN would need 13.47 years to pay back of all of its debts.
With a Debt to FCF ratio value of 13.47, WLN perfoms like the industry average, outperforming 44.00% of the companies in the same industry.
WLN has a Debt/Equity ratio of 0.83. This is a neutral value indicating WLN is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.83, WLN is not doing good in the industry: 64.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.95
WACC2.56%
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 66.00% of the companies in the same industry.
A Quick Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
WLN's Quick ratio of 1.06 is on the low side compared to the rest of the industry. WLN is outperformed by 64.00% 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.
WLN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.23% yearly.
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
The Earnings Per Share is expected to decrease by -6.71% on average over the next years.
The Revenue is expected to grow by 0.57% on average over the next years.
EPS Next Y-36.77%
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
EPS Next 5Y-6.71%
Revenue Next Year-1.72%
Revenue Next 2Y-1.01%
Revenue Next 3Y-0.03%
Revenue Next 5Y0.57%
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 2.09, the valuation of WLN can be described as very cheap.
Based on the Price/Earnings ratio, WLN is valued cheaper than 96.00% of the companies in the same industry.
WLN is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
WLN is valuated cheaply with a Price/Forward Earnings ratio of 2.24.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 96.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.92, WLN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.09 | ||
| Fwd PE | 2.24 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaper than 90.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, WLN is valued cheaply inside the industry as 92.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.45 | ||
| EV/EBITDA | 0.5 |
4.3 Compensation for Growth
A cheap valuation may be justified as WLN's earnings are expected to decrease with -5.78% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
5. Dividend
5.1 Amount
WLN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (10/24/2025, 7:00:00 PM)
2.548
+0.12 (+4.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners62.78%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap722.54M
Revenue(TTM)4.55B
Net Income(TTM)-4485900000
Analysts54.78
Price Target3.85 (51.1%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-3.82%
PT rev (3m)-19.38%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-43.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.39%
Revenue NY rev (3m)-2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.09 | ||
| Fwd PE | 2.24 | ||
| P/S | 0.16 | ||
| P/FCF | 2.45 | ||
| P/OCF | 1.31 | ||
| P/B | 0.18 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.5 |
EPS(TTM)1.22
EY47.88%
EPS(NY)1.14
Fwd EY44.55%
FCF(TTM)1.04
FCFY40.8%
OCF(TTM)1.94
OCFY76.29%
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 | 2.43% | ||
| ROICexc | 3.09% | ||
| ROICexgc | N/A | ||
| OM | 6.39% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% | ||
| FCFM | 6.48% |
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 | 13.47 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 5.47% | ||
| Cap/Sales | 5.64% | ||
| Interest Coverage | 19.25 | ||
| Cash Conversion | 11.08% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 0.25 |
F-Score5
WACC2.56%
ROIC/WACC0.95
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-36.77%
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
EPS Next 5Y-6.71%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.72%
Revenue Next 2Y-1.01%
Revenue Next 3Y-0.03%
Revenue Next 5Y0.57%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year12.02%
EBIT Next 3Y7.79%
EBIT Next 5Y2.3%
FCF growth 1Y-57.81%
FCF growth 3Y-24.81%
FCF growth 5Y0.55%
OCF growth 1Y-47.89%
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.
Can you provide the valuation status for WORLDLINE SA?
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.
What are the PE and PB ratios of WORLDLINE SA (WLN.PA) stock?
The Price/Earnings (PE) ratio for WORLDLINE SA (WLN.PA) is 2.09 and the Price/Book (PB) ratio is 0.18.
What is the financial health of WORLDLINE SA (WLN.PA) stock?
The financial health rating of WORLDLINE SA (WLN.PA) is 2 / 10.