WORLDLINE SA (WLN.PA)
FR0011981968 - Common Stock
Overall WLN gets a fundamental rating of 4 out of 10. We evaluated WLN against 46 industry peers in the Financial Services industry. WLN has a bad profitability rating. Also its financial health evaluation is rather negative. WLN may be a bit undervalued, certainly considering the very reasonable score 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
WLN's Return On Assets of -3.76% is on the low side compared to the rest of the industry. WLN is outperformed by 89.74% of its industry peers.
WLN has a Return On Equity of -9.53%. This is amonst the worse of the industry: WLN underperforms 89.74% of its industry peers.
WLN's Return On Invested Capital of 2.65% is on the low side compared to the rest of the industry. WLN is outperformed by 61.54% of its industry peers.
WLN had an Average Return On Invested Capital over the past 3 years of 2.44%. This is significantly below the industry average of 9.77%.
The 3 year average ROIC (2.44%) for WLN is below the current ROIC(2.65%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.76% | ||
| ROE | -9.53% | ||
| ROIC | 2.65% |
ROA(3y)-2.05%
ROA(5y)-0.16%
ROE(3y)-4.88%
ROE(5y)-0.65%
ROIC(3y)2.44%
ROIC(5y)2.81%
1.3 Margins
WLN has a worse Operating Margin (10.55%) than 61.54% of its industry peers.
In the last couple of years the Operating Margin of WLN has declined.
The Gross Margin of WLN (88.46%) is better than 94.87% of its industry peers.
In the last couple of years the Gross Margin of WLN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.55% | ||
| PM (TTM) | N/A | ||
| GM | 88.46% |
OM growth 3Y-6.92%
OM growth 5Y-6.73%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.27%
GM growth 5Y-2.17%
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.
The number of shares outstanding for WLN has been increased compared to 5 years ago.
The debt/assets ratio for WLN has been reduced compared to a year ago.
2.2 Solvency
WLN has an Altman-Z score of 0.45. This is a bad value and indicates that WLN is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of WLN (0.45) is worse than 71.79% of its industry peers.
The Debt to FCF ratio of WLN is 8.83, which is on the high side as it means it would take WLN, 8.83 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 8.83, WLN is in line with its industry, outperforming 46.15% of the companies in the same industry.
WLN has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.37, WLN is in line with its industry, outperforming 53.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 8.83 | ||
| Altman-Z | 0.45 |
ROIC/WACC0.48
WACC5.49%
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 doing worse than 71.79% of the companies in the same industry.
A Quick Ratio of 1.04 indicates that WLN should not have too much problems paying its short term obligations.
The Quick ratio of WLN (1.04) is worse than 64.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
WLN shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.60%.
The Earnings Per Share has been growing by 10.56% on average over the past years. This is quite good.
The Revenue has been growing slightly by 5.64% in the past year.
WLN shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.80% yearly.
EPS 1Y (TTM)-1.6%
EPS 3YN/A
EPS 5Y10.56%
EPS Q2Q%10.99%
Revenue 1Y (TTM)5.64%
Revenue growth 3Y23.25%
Revenue growth 5Y21.8%
Sales Q2Q%1.01%
3.2 Future
Based on estimates for the next years, WLN will show a small growth in Earnings Per Share. The EPS will grow by 3.38% on average per year.
The Revenue is expected to grow by 4.14% on average over the next years.
EPS Next Y10.39%
EPS Next 2Y12.19%
EPS Next 3Y11.67%
EPS Next 5Y3.38%
Revenue Next Year2.78%
Revenue Next 2Y3.98%
Revenue Next 3Y4.56%
Revenue Next 5Y4.14%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
A Price/Earnings ratio of 5.44 indicates a rather cheap valuation of WLN.
Compared to the rest of the industry, the Price/Earnings ratio of WLN indicates a somewhat cheap valuation: WLN is cheaper than 76.92% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 24.41, WLN is valued rather cheaply.
A Price/Forward Earnings ratio of 4.93 indicates a rather cheap valuation of WLN.
WLN's Price/Forward Earnings ratio is rather cheap when compared to the industry. WLN is cheaper than 89.74% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.59. WLN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 4.93 |
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 87.18% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, WLN is valued a bit cheaper than the industry average as 74.36% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.21 | ||
| EV/EBITDA | 2.12 |
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)0.52
PEG (5Y)0.52
EPS Next 2Y12.19%
EPS Next 3Y11.67%
5. Dividend
5.1 Amount
WLN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
WORLDLINE SA
EPA:WLN (7/26/2024, 7:00:00 PM)
10.065
+0.06 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.85B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.44 | ||
| Fwd PE | 4.93 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.52
PEG (5Y)0.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -3.76% | ||
| ROE | -9.53% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 10.55% | ||
| PM (TTM) | N/A | ||
| GM | 88.46% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-1.6%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y10.39%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.64%
Revenue growth 3Y23.25%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y