WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - EPA:WLN - FR0011981968 - Common Stock
2.6 EUR
-0.11 (-4.24%)
Overall WLN gets a fundamental rating of 3 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 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.
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
With a Return On Assets value of -28.16%, WLN is not doing good in the industry: 89.13% 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 86.96% of its industry peers.
WLN has a Return On Invested Capital (2.43%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for WLN is significantly below the industry average of 10.06%.
| 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: 65.22% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of WLN has declined.
The Gross Margin of WLN (84.73%) is better than 78.26% of its industry peers.
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 just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, WLN has more shares outstanding
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 0.25, we must say that WLN is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.25, WLN is not doing good in the industry: 76.09% of the companies in the same industry are doing better.
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.
The Debt to FCF ratio of WLN (13.47) is comparable to the rest of the industry.
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 65.22% 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.
With a Current ratio value of 1.06, WLN is not doing good in the industry: 60.87% of the companies in the same industry are doing better.
A Quick Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.06, WLN is doing worse than 60.87% 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
WLN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.63% yearly.
The Revenue is expected to grow by 0.65% on average over the next years.
EPS Next Y-21.45%
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
EPS Next 5Y-6.63%
Revenue Next Year-1.34%
Revenue Next 2Y-0.6%
Revenue Next 3Y0.37%
Revenue Next 5Y0.65%
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
The Price/Earnings ratio is 2.13, which indicates a rather cheap valuation of WLN.
Compared to the rest of the industry, the Price/Earnings ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 91.30% of the companies listed in the same industry.
WLN is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 2.02 indicates a rather cheap valuation of WLN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 95.65% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of WLN to the average of the S&P500 Index (22.86), we can say WLN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.13 | ||
| Fwd PE | 2.02 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaper than 93.48% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, WLN is valued cheaply inside the industry as 91.30% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.5 | ||
| EV/EBITDA | 0.51 |
4.3 Compensation for Growth
A cheap valuation may be justified as WLN's earnings are expected to decrease with -2.14% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
5. Dividend
5.1 Amount
No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (9/19/2025, 7:00:00 PM)
2.6
-0.11 (-4.24%)
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 Cap737.28M
Analysts54.78
Price Target4 (53.85%)
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)-2.79%
PT rev (3m)-33.94%
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)-1.02%
Revenue NY rev (3m)-1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.13 | ||
| Fwd PE | 2.02 | ||
| P/S | 0.16 | ||
| P/FCF | 2.5 | ||
| P/OCF | 1.34 | ||
| P/B | 0.19 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.51 |
EPS(TTM)1.22
EY46.92%
EPS(NY)1.29
Fwd EY49.59%
FCF(TTM)1.04
FCFY39.98%
OCF(TTM)1.94
OCFY74.76%
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 | 0.25 |
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-21.45%
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
EPS Next 5Y-6.63%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.34%
Revenue Next 2Y-0.6%
Revenue Next 3Y0.37%
Revenue Next 5Y0.65%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year31.92%
EBIT Next 3Y13.45%
EBIT Next 5Y5.08%
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%