WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
EPA:WLN - Euronext Paris - Matif - FR0011981968 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to WLN. WLN was compared to 47 industry peers in the Financial Services industry. WLN may be in some trouble as it scores bad on both profitability and health. WLN is valued quite cheap, but it does not seem to be growing.
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.
WLN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of WLN (-1.53%) is worse than 78.72% of its industry peers.
WLN's Return On Equity of -3.60% is on the low side compared to the rest of the industry. WLN is outperformed by 76.60% of its industry peers.
WLN's Return On Invested Capital of 2.47% is in line compared to the rest of the industry. WLN outperforms 48.94% 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 10.12%.
| 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
Looking at the Operating Margin, with a value of 9.32%, WLN is in line with its industry, outperforming 44.68% of the companies in the same industry.
In the last couple of years the Operating Margin of WLN has declined.
WLN's Gross Margin of 86.94% is amongst the best of the industry. WLN outperforms 82.98% 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
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.
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
Based on the Altman-Z score of 0.55, we must say that WLN is in the distress zone and has some risk of bankruptcy.
WLN has a Altman-Z score of 0.55. This is in the lower half of the industry: WLN underperforms 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.
Looking at the Debt to FCF ratio, with a value of 11.75, WLN is in line with its industry, outperforming 42.55% of the companies in the same industry.
A Debt/Equity ratio of 0.37 indicates that WLN is not too dependend on debt financing.
WLN's Debt to Equity ratio of 0.37 is in line compared 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 | 0.55 |
ROIC/WACC0.6
WACC4.08%
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.
WLN has a Current ratio of 1.05. This is comparable to the rest of the industry: WLN outperforms 42.55% 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.
Looking at the Quick ratio, with a value of 1.04, WLN is in line with its industry, outperforming 48.94% of the companies in the same industry.
| 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%.
Looking at the last year, WLN shows a small growth in Revenue. The Revenue has grown by 0.47% in the last year.
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
The Earnings Per Share is expected to grow by 17.48% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.17% on average over the next years.
EPS Next Y12.38%
EPS Next 2Y9.48%
EPS Next 3Y7.74%
EPS Next 5Y17.48%
Revenue Next Year1.27%
Revenue Next 2Y2.04%
Revenue Next 3Y2.18%
Revenue Next 5Y3.17%
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 3.32, the valuation of WLN can be described as very cheap.
Based on the Price/Earnings ratio, WLN is valued cheaply inside the industry as 89.36% 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 24.21.
The Price/Forward Earnings ratio is 2.95, which indicates a rather cheap valuation of WLN.
Based on the Price/Forward Earnings ratio, WLN is valued cheaper than 93.62% of the companies in the same industry.
WLN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.32 | ||
| Fwd PE | 2.95 |
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 91.49% of the companies listed in the same industry.
WLN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WLN is cheaper than 85.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.48 | ||
| EV/EBITDA | 2.97 |
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)0.27
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 (5/9/2025, 7:00:00 PM)
5.076
+0.1 (+1.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners63.14%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap1.44B
Analysts65.83
Price Target7.22 (42.24%)
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)-6.07%
PT rev (3m)-19.06%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.04%
EPS NY rev (3m)-12.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-1.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.32 | ||
| Fwd PE | 2.95 | ||
| P/S | 0.31 | ||
| P/FCF | 4.48 | ||
| P/OCF | 2.39 | ||
| P/B | 0.17 | ||
| P/tB | N/A | ||
| EV/EBITDA | 2.97 |
EPS(TTM)1.53
EY30.14%
EPS(NY)1.72
Fwd EY33.87%
FCF(TTM)1.13
FCFY22.34%
OCF(TTM)2.13
OCFY41.9%
SpS16.33
BVpS29.08
TBVpS-10.41
PEG (NY)0.27
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 | 0.55 |
F-Score6
WACC4.08%
ROIC/WACC0.6
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 Year1.27%
Revenue Next 2Y2.04%
Revenue Next 3Y2.18%
Revenue Next 5Y3.17%
EBIT growth 1Y-11.26%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year38.77%
EBIT Next 3Y15.1%
EBIT Next 5Y9.89%
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%