WORLDLINE SA (WLN.PA)
FR0011981968 - Common Stock
Taking everything into account, WLN scores 4 out of 10 in our fundamental rating. WLN was compared to 51 industry peers in the Financial Services industry. WLN has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on WLN.
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.
In the past 5 years WLN always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of -3.76%, WLN is not doing good in the industry: 86.05% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -9.53%, WLN is doing worse than 81.40% of the companies in the same industry.
WLN has a Return On Invested Capital of 2.65%. This is comparable to the rest of the industry: WLN outperforms 41.86% of its industry peers.
WLN had an Average Return On Invested Capital over the past 3 years of 2.44%. This is significantly below the industry average of 9.01%.
The last Return On Invested Capital (2.65%) for WLN is above the 3 year average (2.44%), which is a sign of increasing profitability.
| 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
WLN's Operating Margin of 10.55% is on the low side compared to the rest of the industry. WLN is outperformed by 60.47% of its industry peers.
WLN's Operating Margin has declined in the last couple of years.
WLN has a Gross Margin of 88.46%. This is amongst the best in the industry. WLN outperforms 90.70% of its industry peers.
In the last couple of years the Gross Margin of WLN has declined.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), WLN is destroying value.
Compared to 1 year ago, WLN has more shares outstanding
Compared to 5 years ago, WLN has more shares outstanding
WLN has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.46, we must say that WLN is in the distress zone and has some risk of bankruptcy.
WLN's Altman-Z score of 0.46 is on the low side compared to the rest of the industry. WLN is outperformed by 72.09% of its industry peers.
The Debt to FCF ratio of WLN is 8.83, which is on the high side as it means it would take WLN, 8.83 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 8.83, WLN perfoms like the industry average, outperforming 58.14% of the companies in the same industry.
A Debt/Equity ratio of 0.37 indicates that WLN is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.37, WLN is in line with its industry, outperforming 58.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 8.83 | ||
| Altman-Z | 0.46 |
ROIC/WACC0.56
WACC4.72%
2.3 Liquidity
A Current Ratio of 1.05 indicates that WLN should not have too much problems paying its short term obligations.
The Current ratio of WLN (1.05) is worse than 72.09% of its industry peers.
WLN has a Quick Ratio of 1.04. This is a normal value and indicates that WLN is financially healthy and should not expect problems in meeting 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 65.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
WLN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.60%.
The Earnings Per Share has been growing by 10.56% on average over the past years. This is quite good.
Looking at the last year, WLN shows a small growth in Revenue. The Revenue has grown by 5.64% in the last year.
WLN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.80% yearly.
EPS 1Y (TTM)-1.6%
EPS 3YN/A
EPS 5Y10.56%
EPS growth Q2Q10.99%
Revenue 1Y (TTM)5.64%
Revenue growth 3Y23.25%
Revenue growth 5Y21.8%
Revenue growth Q2Q1.02%
3.2 Future
WLN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.56% yearly.
WLN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.53% yearly.
EPS Next Y10.6%
EPS Next 2Y10.2%
EPS Next 3Y10.8%
EPS Next 5Y10.56%
Revenue Next Year2.98%
Revenue Next 2Y4.21%
Revenue Next 3Y4.39%
Revenue Next 5Y5.53%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
WLN is valuated cheaply with a Price/Earnings ratio of 5.25.
Based on the Price/Earnings ratio, WLN is valued a bit cheaper than 76.74% of the companies in the same industry.
WLN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.20.
A Price/Forward Earnings ratio of 4.75 indicates a rather cheap valuation of WLN.
Based on the Price/Forward Earnings ratio, WLN is valued cheaply inside the industry as 95.35% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.63. WLN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.25 | ||
| Fwd PE | 4.75 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaply inside the industry as 83.72% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, WLN is valued cheaper than 83.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.99 | ||
| EV/EBITDA | 2.17 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.5
PEG (5Y)0.5
EPS Next 2Y10.2%
EPS Next 3Y10.8%
5. Dividend
5.1 Amount
No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
WORLDLINE SA
EPA:WLN (4/25/2024, 7:00:00 PM)
9.718
-0.67 (-6.42%)
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 Cap2.75B
Analysts
Price Target
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 | 5.25 | ||
| Fwd PE | 4.75 | ||
| 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)0.5
PEG (5Y)0.5
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)
Growth
EPS 1Y (TTM)-1.6%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y10.6%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.64%
Revenue growth 3Y23.25%
Revenue growth 5Y
Revenue growth 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