WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
EPA:WLN - FR0011981968 - Common Stock
3.104 EUR
+0.09 (+3.12%)
Overall WLN gets a fundamental rating of 3 out of 10. We evaluated WLN against 50 industry peers in the Financial Services industry. WLN may be in some trouble as it scores bad on both profitability and health. WLN has a bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
In the past year WLN was profitable.
WLN had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: WLN reported negative net income in multiple years.
Each year in the past 5 years WLN had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of -28.16%, WLN is not doing good in the industry: 86.27% of the companies in the same industry are doing better.
WLN has a Return On Equity of -112.71%. This is amonst the worse of the industry: WLN underperforms 84.31% of its industry peers.
WLN's Return On Invested Capital of 2.43% is in line compared to the rest of the industry. WLN outperforms 43.14% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for WLN is significantly below the industry average of 11.98%.
| 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
With a Operating Margin value of 6.39%, WLN is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of WLN has declined.
Looking at the Gross Margin, with a value of 84.73%, WLN belongs to the top of the industry, outperforming 80.39% of the companies in the same industry.
WLN's Gross Margin has declined in the last couple of years.
| 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 below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for WLN has been increased compared to 1 year ago.
The number of shares outstanding for WLN has been increased compared to 5 years ago.
The debt/assets ratio for WLN is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.26, we must say that WLN is in the distress zone and has some risk of bankruptcy.
WLN has a worse Altman-Z score (0.26) than 68.63% of its industry peers.
The Debt to FCF ratio of WLN is 13.47, which is on the high side as it means it would take WLN, 13.47 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 13.47, WLN perfoms like the industry average, outperforming 43.14% of the companies in the same industry.
A Debt/Equity ratio of 0.83 indicates that WLN is somewhat dependend on debt financing.
WLN has a Debt to Equity ratio (0.83) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.26 |
ROIC/WACC0.83
WACC2.92%
2.3 Liquidity
A Current Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
With a Current ratio value of 1.06, WLN perfoms like the industry average, outperforming 41.18% of the companies in the same industry.
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.
WLN has a Quick ratio of 1.06. This is comparable to the rest of the industry: WLN outperforms 43.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 |
3. Growth
3.1 Past
WLN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.29%.
Looking at the last year, WLN shows a decrease in Revenue. The Revenue has decreased by -2.35% in the last 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 -6.65% on average over the next years.
The Revenue is expected to grow by 0.63% on average over the next years.
EPS Next Y-21.45%
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
EPS Next 5Y-6.65%
Revenue Next Year-1.16%
Revenue Next 2Y-0.51%
Revenue Next 3Y0.46%
Revenue Next 5Y0.63%
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
WLN is valuated cheaply with a Price/Earnings ratio of 2.54.
WLN's Price/Earnings ratio is rather cheap when compared to the industry. WLN is cheaper than 90.20% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.24. WLN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 2.41, which indicates a rather cheap valuation of WLN.
Based on the Price/Forward Earnings ratio, WLN is valued cheaply inside the industry as 94.12% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of WLN to the average of the S&P500 Index (22.81), we can say WLN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.54 | ||
| Fwd PE | 2.41 |
4.2 Price Multiples
94.12% of the companies in the same industry are more expensive than WLN, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 92.16% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.99 | ||
| EV/EBITDA | 0.53 |
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 (8/22/2025, 7:00:00 PM)
3.104
+0.09 (+3.12%)
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 Cap880.20M
Analysts54.78
Price Target3.94 (26.93%)
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)-17.51%
PT rev (3m)-37.38%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-30.1%
EPS NY rev (3m)-30.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.61%
Revenue NY rev (3m)-1.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.54 | ||
| Fwd PE | 2.41 | ||
| P/S | 0.19 | ||
| P/FCF | 2.99 | ||
| P/OCF | 1.6 | ||
| P/B | 0.22 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.53 |
EPS(TTM)1.22
EY39.3%
EPS(NY)1.29
Fwd EY41.53%
FCF(TTM)1.04
FCFY33.49%
OCF(TTM)1.94
OCFY62.62%
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 | 0.26 |
F-Score5
WACC2.92%
ROIC/WACC0.83
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-6.65%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.16%
Revenue Next 2Y-0.51%
Revenue Next 3Y0.46%
Revenue Next 5Y0.63%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year31.92%
EBIT Next 3Y13.45%
EBIT Next 5Y5.06%
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%