WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - EPA:WLN - FR0011981968 - Common Stock
2.687 EUR
+0.09 (+3.35%)
Overall WLN gets a fundamental rating of 3 out of 10. We evaluated WLN against 47 industry peers in the Financial Services industry. Both the profitability and financial health of WLN have multiple concerns. WLN is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year WLN was profitable.
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 -28.16% is on the low side compared to the rest of the industry. WLN is outperformed by 85.11% of its industry peers.
WLN's Return On Equity of -112.71% is on the low side compared to the rest of the industry. WLN is outperformed by 82.98% of its industry peers.
The Return On Invested Capital of WLN (2.43%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for WLN is significantly below the industry average of 9.94%.
| 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's Operating Margin of 6.39% is in line compared to the rest of the industry. WLN outperforms 40.43% of its industry peers.
WLN's Operating Margin has declined in the last couple of years.
The Gross Margin of WLN (84.73%) is better than 78.72% 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.
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 0.25, 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 0.25, WLN is doing worse than 70.21% 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.
WLN has a Debt to FCF ratio (13.47) which is in line with its industry peers.
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 perfoms like the industry average, outperforming 40.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.94
WACC2.58%
2.3 Liquidity
A Current Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
WLN has a Current ratio of 1.06. This is comparable to the rest of the industry: WLN outperforms 42.55% of its industry peers.
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.
The Quick ratio of WLN (1.06) is comparable to the rest of the industry.
| 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
Based on estimates for the next years, WLN will show a decrease in Earnings Per Share. The EPS will decrease by -6.63% on average per year.
The Revenue is expected to grow by 0.65% on average over the next years.
EPS Next Y-21.45%
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
EPS Next 5Y-6.63%
Revenue Next Year-1.34%
Revenue Next 2Y-0.6%
Revenue Next 3Y0.37%
Revenue Next 5Y0.65%
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
With a Price/Earnings ratio of 2.20, the valuation of WLN can be described as very cheap.
Based on the Price/Earnings ratio, WLN is valued cheaply inside the industry as 95.74% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of WLN to the average of the S&P500 Index (27.38), we can say WLN is valued rather cheaply.
With a Price/Forward Earnings ratio of 2.08, 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 95.74% of the companies are valued more expensively.
WLN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.2 | ||
| Fwd PE | 2.08 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 95.74% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, WLN is valued cheaply inside the industry as 93.62% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.58 | ||
| EV/EBITDA | 0.51 |
4.3 Compensation for Growth
WLN's earnings are expected to decrease with -2.14% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
5. Dividend
5.1 Amount
WLN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (9/22/2025, 1:44:42 PM)
2.687
+0.09 (+3.35%)
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 Cap761.95M
Analysts54.78
Price Target4 (48.86%)
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)-2.79%
PT rev (3m)-32.6%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-30.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)-1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.2 | ||
| Fwd PE | 2.08 | ||
| P/S | 0.17 | ||
| P/FCF | 2.58 | ||
| P/OCF | 1.38 | ||
| P/B | 0.19 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.51 |
EPS(TTM)1.22
EY45.4%
EPS(NY)1.29
Fwd EY47.98%
FCF(TTM)1.04
FCFY38.69%
OCF(TTM)1.94
OCFY72.34%
SpS16.04
BVpS14.03
TBVpS-11.15
PEG (NY)N/A
PEG (5Y)N/A
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%
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-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
WACC2.58%
ROIC/WACC0.94
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-21.45%
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
EPS Next 5Y-6.63%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.34%
Revenue Next 2Y-0.6%
Revenue Next 3Y0.37%
Revenue Next 5Y0.65%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year31.92%
EBIT Next 3Y13.45%
EBIT Next 5Y5.08%
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%