WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:WLN - FR0011981968 - Common Stock
1.345 EUR
0 (-0.26%)
We assign a fundamental rating of 3 out of 10 to WLN. WLN was compared to 54 industry peers in the Financial Services industry. WLN has a bad profitability rating. Also its financial health evaluation is rather negative. WLN has a bad growth rate and is valued cheaply.
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.
In the past 5 years WLN always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -28.16%, WLN is doing worse than 83.33% of the companies in the same industry.
WLN has a Return On Equity of -112.71%. This is in the lower half of the industry: WLN underperforms 79.63% of its industry peers.
The Return On Invested Capital of WLN (2.43%) is comparable to the rest of the 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 10.39%.
| 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
Looking at the Operating Margin, with a value of 6.39%, WLN is in line with its industry, outperforming 44.44% 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 84.73% is amongst the best of the industry. WLN outperforms 83.33% 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so WLN is still creating some value.
Compared to 1 year ago, WLN has more shares outstanding
The number of shares outstanding for WLN has been increased compared to 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 0.23, we must say that WLN is in the distress zone and has some risk of bankruptcy.
WLN has a Altman-Z score of 0.23. This is in the lower half of the industry: WLN underperforms 72.22% of its industry peers.
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.
WLN has a Debt/Equity ratio of 0.83. This is a neutral value indicating WLN is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.83, WLN is in line with its industry, outperforming 40.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.23 |
ROIC/WACC1.56
WACC1.56%
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.
Looking at the Current ratio, with a value of 1.06, WLN is doing worse than 64.81% of the companies in the same industry.
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's Quick ratio of 1.06 is on the low side compared to the rest of the industry. WLN is outperformed by 62.96% 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%.
The Revenue has decreased by -2.35% in the past 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
Based on estimates for the next years, WLN will show a decrease in Earnings Per Share. The EPS will decrease by -5.97% on average per year.
WLN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.09% yearly.
EPS Next Y-47.13%
EPS Next 2Y-26.56%
EPS Next 3Y-13.84%
EPS Next 5Y-5.97%
Revenue Next Year-1.77%
Revenue Next 2Y-2.47%
Revenue Next 3Y-1.24%
Revenue Next 5Y0.09%
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
The Price/Earnings ratio is 1.10, which indicates a rather cheap valuation of WLN.
WLN's Price/Earnings ratio is rather cheap when compared to the industry. WLN is cheaper than 96.30% of the companies in the same industry.
WLN is valuated cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 1.63, the valuation of WLN can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 96.30% of the companies listed in the same industry.
WLN is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.1 | ||
| Fwd PE | 1.63 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaper than 94.44% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 96.30% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.29 | ||
| EV/EBITDA | 0.43 |
4.3 Compensation for Growth
A cheap valuation may be justified as WLN's earnings are expected to decrease with -13.84% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-26.56%
EPS Next 3Y-13.84%
5. Dividend
5.1 Amount
WLN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (12/8/2025, 12:02:03 PM)
1.345
0 (-0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners64.25%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap381.40M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts51.43
Price Target2.32 (72.49%)
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)-27.65%
PT rev (3m)-41.06%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.38%
EPS NY rev (3m)-32.69%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.1 | ||
| Fwd PE | 1.63 | ||
| P/S | 0.08 | ||
| P/FCF | 1.29 | ||
| P/OCF | 0.69 | ||
| P/B | 0.1 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.43 |
EPS(TTM)1.22
EY90.71%
EPS(NY)0.83
Fwd EY61.36%
FCF(TTM)1.04
FCFY77.29%
OCF(TTM)1.94
OCFY144.52%
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 | 0.23 |
F-Score5
WACC1.56%
ROIC/WACC1.56
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-47.13%
EPS Next 2Y-26.56%
EPS Next 3Y-13.84%
EPS Next 5Y-5.97%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.77%
Revenue Next 2Y-2.47%
Revenue Next 3Y-1.24%
Revenue Next 5Y0.09%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year9.17%
EBIT Next 3Y4.34%
EBIT Next 5Y2.41%
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 1.1 and the Price/Book (PB) ratio is 0.1.
What is the financial health of WORLDLINE SA (WLN.PA) stock?
The financial health rating of WORLDLINE SA (WLN.PA) is 2 / 10.