WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
EPA:WLN - Euronext Paris - Matif - FR0011981968 - Common Stock - Currency: EUR
WLN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 47 industry peers in the Financial Services industry. WLN has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
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's Return On Assets of -1.53% is on the low side compared to the rest of the industry. WLN is outperformed by 80.85% of its industry peers.
WLN has a worse Return On Equity (-3.60%) than 78.72% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.47%, WLN is in line with its industry, outperforming 42.55% 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 10.14%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.53% | ||
| ROE | -3.6% | ||
| ROIC | 2.47% |
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 (9.32%) which is comparable to the rest of the industry.
WLN's Operating Margin has declined in the last couple of years.
WLN has a better Gross Margin (86.94%) than 78.72% of its industry peers.
WLN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.32% | ||
| PM (TTM) | N/A | ||
| GM | 86.94% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WLN is destroying value.
The number of shares outstanding for WLN has been increased compared to 1 year ago.
Compared to 5 years ago, WLN has more shares outstanding
The debt/assets ratio for WLN is higher compared to a year ago.
2.2 Solvency
WLN has an Altman-Z score of 0.54. This is a bad value and indicates that WLN is not financially healthy and even has some risk of bankruptcy.
WLN's Altman-Z score of 0.54 is on the low side compared to the rest of the industry. WLN is outperformed by 65.96% of its industry peers.
The Debt to FCF ratio of WLN is 11.75, which is on the high side as it means it would take WLN, 11.75 years of fcf income to pay off all of its debts.
WLN's Debt to FCF ratio of 11.75 is in line compared to the rest of the industry. WLN outperforms 42.55% of its industry peers.
A Debt/Equity ratio of 0.37 indicates that WLN is not too dependend on debt financing.
WLN has a Debt to Equity ratio of 0.37. This is comparable to the rest of the industry: WLN outperforms 59.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 11.75 | ||
| Altman-Z | 0.54 |
ROIC/WACC0.73
WACC3.39%
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.
Looking at the Current ratio, with a value of 1.05, WLN is in line with its industry, outperforming 44.68% of the companies in the same industry.
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 has a Quick ratio (1.04) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
WLN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.30%.
WLN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.
The Revenue has been growing by 14.23% on average over the past years. This is quite good.
EPS 1Y (TTM)-17.3%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-21.78%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-1.05%
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 17.48% yearly.
The Revenue is expected to grow by 2.39% on average over the next years.
EPS Next Y12.38%
EPS Next 2Y9.48%
EPS Next 3Y7.74%
EPS Next 5Y17.48%
Revenue Next Year0.45%
Revenue Next 2Y1.4%
Revenue Next 3Y1.95%
Revenue Next 5Y2.39%
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
Based on the Price/Earnings ratio of 2.48, the valuation of WLN can be described as very cheap.
Based on the Price/Earnings ratio, WLN is valued cheaper than 89.36% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.45. WLN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 2.20, 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 93.62% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, WLN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.48 | ||
| Fwd PE | 2.2 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaply inside the industry as 85.11% of the companies are valued more expensively.
91.49% 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 | 3.34 | ||
| EV/EBITDA | 2.66 |
4.3 Compensation for Growth
WLN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y9.48%
EPS Next 3Y7.74%
5. Dividend
5.1 Amount
No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (7/4/2025, 7:00:00 PM)
3.789
-0.06 (-1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners59.47%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap1.07B
Analysts56.8
Price Target5.94 (56.77%)
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)-5.58%
PT rev (3m)-22.7%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.04%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.48 | ||
| Fwd PE | 2.2 | ||
| P/S | 0.23 | ||
| P/FCF | 3.34 | ||
| P/OCF | 1.78 | ||
| P/B | 0.13 | ||
| P/tB | N/A | ||
| EV/EBITDA | 2.66 |
EPS(TTM)1.53
EY40.38%
EPS(NY)1.72
Fwd EY45.38%
FCF(TTM)1.13
FCFY29.93%
OCF(TTM)2.13
OCFY56.13%
SpS16.33
BVpS29.08
TBVpS-10.41
PEG (NY)0.2
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.53% | ||
| ROE | -3.6% | ||
| ROCE | 3.43% | ||
| ROIC | 2.47% | ||
| ROICexc | 2.87% | ||
| ROICexgc | N/A | ||
| OM | 9.32% | ||
| PM (TTM) | N/A | ||
| GM | 86.94% | ||
| FCFM | 6.94% |
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%
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 11.75 | ||
| Debt/EBITDA | 2.92 | ||
| Cap/Depr | 46.12% | ||
| Cap/Sales | 6.08% | ||
| Interest Coverage | 33.73 | ||
| Cash Conversion | 57.88% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 | ||
| Altman-Z | 0.54 |
F-Score6
WACC3.39%
ROIC/WACC0.73
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)-17.3%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-21.78%
EPS Next Y12.38%
EPS Next 2Y9.48%
EPS Next 3Y7.74%
EPS Next 5Y17.48%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-1.05%
Revenue Next Year0.45%
Revenue Next 2Y1.4%
Revenue Next 3Y1.95%
Revenue Next 5Y2.39%
EBIT growth 1Y-11.26%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year31.92%
EBIT Next 3Y13.45%
EBIT Next 5Y8.35%
FCF growth 1Y-29.92%
FCF growth 3Y-24.81%
FCF growth 5Y0.55%
OCF growth 1Y-23.83%
OCF growth 3Y-15%
OCF growth 5Y7.16%