WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
EPA:WLN • FR0011981968
1.354 EUR
0 (-0.26%)
Last: Feb 19, 2026, 05:29 PM
Taking everything into account, WLN scores 3 out of 10 in our fundamental rating. WLN was compared to 58 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
- WLN has a worse Return On Assets (-28.16%) than 87.93% of its industry peers.
- WLN has a Return On Equity of -112.71%. This is amonst the worse of the industry: WLN underperforms 84.48% of its industry peers.
- With a Return On Invested Capital value of 2.44%, WLN perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- WLN had an Average Return On Invested Capital over the past 3 years of 2.59%. This is significantly below the industry average of 8.98%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROIC | 2.44% |
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 6.40% is on the low side compared to the rest of the industry. WLN is outperformed by 60.34% 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 82.76% of its industry peers.
- WLN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.4% | ||
| 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.
- WLN has more shares outstanding than it did 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 0.23. This is a bad value and indicates that WLN is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.23, WLN is doing worse than 62.07% of the companies in the same industry.
- WLN has a debt to FCF ratio of 13.46. This is a negative value and a sign of low solvency as WLN would need 13.46 years to pay back of all of its debts.
- The Debt to FCF ratio of WLN (13.46) is comparable to the rest of the industry.
- WLN has a Debt/Equity ratio of 0.83. This is a neutral value indicating WLN is somewhat dependend on debt financing.
- WLN has a worse Debt to Equity ratio (0.83) than 62.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Altman-Z | 0.23 |
ROIC/WACC1.54
WACC1.58%
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 (1.06) which is comparable to the rest of the industry.
- A Quick Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
- With a Quick ratio value of 1.06, WLN perfoms like the industry average, outperforming 44.83% of the companies in the same 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.
- 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
- Based on estimates for the next years, WLN will show a decrease in Earnings Per Share. The EPS will decrease by -6.60% on average per year.
- Based on estimates for the next years, WLN will show a decrease in Revenue. The Revenue will decrease by -0.58% on average per year.
EPS Next Y-47.21%
EPS Next 2Y-28.86%
EPS Next 3Y-16.11%
EPS Next 5Y-6.6%
Revenue Next Year-1.74%
Revenue Next 2Y-2.59%
Revenue Next 3Y-1.32%
Revenue Next 5Y-0.58%
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
- With a Price/Earnings ratio of 1.11, the valuation of WLN can be described as very cheap.
- Compared to the rest of the industry, the Price/Earnings ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 94.83% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.27, WLN is valued rather cheaply.
- The Price/Forward Earnings ratio is 1.75, which indicates a rather cheap valuation of WLN.
- Based on the Price/Forward Earnings ratio, WLN is valued cheaper than 94.83% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.16. WLN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.11 | ||
| Fwd PE | 1.75 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaper than 94.83% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, WLN is valued cheaply inside the industry as 94.83% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.3 | ||
| EV/EBITDA | 0.44 |
4.3 Compensation for Growth
- WLN's earnings are expected to decrease with -16.11% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-28.86%
EPS Next 3Y-16.11%
5. Dividend
5.1 Amount
- No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:WLN (2/19/2026, 5:29:56 PM)
1.354
0 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-21 2025-10-21
Earnings (Next)02-25 2026-02-25/amc
Inst Owners64.9%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap384.48M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts54.29
Price Target2.21 (63.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0.16%
PT rev (3m)-31.14%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.02%
EPS NY rev (3m)-2.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.11 | ||
| Fwd PE | 1.75 | ||
| P/S | 0.08 | ||
| P/FCF | 1.3 | ||
| P/OCF | 0.7 | ||
| P/B | 0.1 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.44 |
EPS(TTM)1.22
EY90.1%
EPS(NY)0.77
Fwd EY57.18%
FCF(TTM)1.04
FCFY76.73%
OCF(TTM)1.94
OCFY143.44%
SpS16.02
BVpS14.02
TBVpS-11.13
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROCE | 3.42% | ||
| ROIC | 2.44% | ||
| ROICexc | 3.1% | ||
| ROICexgc | N/A | ||
| OM | 6.4% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% | ||
| FCFM | 6.49% |
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 | 13.46 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 5.47% | ||
| Cap/Sales | 5.64% | ||
| Interest Coverage | 19.03 | ||
| Cash Conversion | 11.08% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 0.23 |
F-Score5
WACC1.58%
ROIC/WACC1.54
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-47.21%
EPS Next 2Y-28.86%
EPS Next 3Y-16.11%
EPS Next 5Y-6.6%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.74%
Revenue Next 2Y-2.59%
Revenue Next 3Y-1.32%
Revenue Next 5Y-0.58%
EBIT growth 1Y-40.86%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year9.24%
EBIT Next 3Y3.6%
EBIT Next 5Y2.19%
FCF growth 1Y-57.78%
FCF growth 3Y-24.81%
FCF growth 5Y0.55%
OCF growth 1Y-47.86%
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.
What is the valuation status of WORLDLINE SA (WLN.PA) stock?
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.
Can you provide the financial health for WLN stock?
The financial health rating of WORLDLINE SA (WLN.PA) is 2 / 10.
Can you provide the expected EPS growth for WLN stock?
The Earnings per Share (EPS) of WORLDLINE SA (WLN.PA) is expected to decline by -47.21% in the next year.