WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - EPA:WLN - FR0011981968 - Common Stock
2.548 EUR
+0.12 (+4.99%)
Overall WLN gets a fundamental rating of 3 out of 10. We evaluated WLN against 50 industry peers in the Financial Services industry. Both the profitability and financial health of WLN have multiple concerns. 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.
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.
In the past 5 years WLN always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of WLN (-28.16%) is worse than 84.00% of its industry peers.
WLN has a worse Return On Equity (-112.71%) than 82.00% of its industry peers.
WLN has a Return On Invested Capital (2.43%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital 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 in line with its industry peers.
WLN's Operating Margin has declined in the last couple of years.
WLN has a better Gross Margin (84.73%) than 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so WLN is still creating some value.
The number of shares outstanding for WLN has been increased compared to 1 year ago.
WLN has more shares outstanding than it did 5 years ago.
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.
WLN has a Altman-Z score of 0.25. This is in the lower half of the industry: WLN underperforms 74.00% of its industry peers.
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.
A Debt/Equity ratio of 0.83 indicates that WLN is somewhat dependend on debt financing.
The Debt to Equity ratio of WLN (0.83) is worse than 64.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.95
WACC2.56%
2.3 Liquidity
WLN has a Current 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 Current ratio of 1.06. This is in the lower half of the industry: WLN underperforms 66.00% 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.
WLN has a worse Quick ratio (1.06) than 64.00% 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.
Measured over the past years, WLN shows a quite strong growth in Revenue. The Revenue has been growing by 14.23% on average per year.
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
WLN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.71% yearly.
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
A Price/Earnings ratio of 2.09 indicates a rather cheap valuation of WLN.
Based on the Price/Earnings ratio, WLN is valued cheaply inside the industry as 96.00% of the companies are valued more expensively.
WLN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
A Price/Forward Earnings ratio of 2.24 indicates a rather cheap valuation of WLN.
96.00% of the companies in the same industry are more expensive than WLN, based on the Price/Forward Earnings ratio.
WLN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.92.
| 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.
92.00% 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 | 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)-19.51%
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.