WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - EPA:WLN - FR0011981968 - Common Stock
1.76 EUR
-0.09 (-4.99%)
Overall WLN gets a fundamental rating of 3 out of 10. We evaluated WLN against 52 industry peers in the Financial Services industry. WLN has a bad profitability rating. Also its financial health evaluation is rather negative. WLN is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year WLN was profitable.
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.
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: 82.69% 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 80.77% of its industry peers.
WLN has a Return On Invested Capital (2.43%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for WLN is significantly below the industry average of 9.75%.
| 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 48.08% of the companies in the same industry.
In the last couple of years the Operating Margin of WLN has declined.
WLN has a better Gross Margin (84.73%) than 82.69% 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), WLN is creating some 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.
Compared to 1 year ago, WLN has a worse debt to assets ratio.
2.2 Solvency
WLN has an Altman-Z score of 0.24. 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 0.24, WLN is doing worse than 71.15% of the companies in the same industry.
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.
WLN's Debt to FCF ratio of 13.47 is in line compared to the rest of the industry. WLN outperforms 44.23% of its industry peers.
A Debt/Equity ratio of 0.83 indicates that WLN is somewhat dependend on debt financing.
WLN's Debt to Equity ratio of 0.83 is on the low side compared to the rest of the industry. WLN is outperformed by 63.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.24 |
ROIC/WACC1.27
WACC1.92%
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: 65.38% 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.
The Quick ratio of WLN (1.06) is worse than 63.46% of its industry peers.
| 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.
WLN shows a decrease in Revenue. In the last year, the revenue decreased by -2.35%.
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.
The Revenue is expected to grow by 0.09% on average over the next years.
EPS Next Y-45.84%
EPS Next 2Y-20.82%
EPS Next 3Y-11.37%
EPS Next 5Y-5.97%
Revenue Next Year-1.72%
Revenue Next 2Y-1.41%
Revenue Next 3Y-0.47%
Revenue Next 5Y0.09%
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 1.44, the valuation of WLN can be described as very cheap.
WLN's Price/Earnings ratio is rather cheap when compared to the industry. WLN is cheaper than 96.15% of the companies in the same industry.
WLN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.56.
With a Price/Forward Earnings ratio of 1.83, 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 96.15% of the companies listed in the same industry.
WLN is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.62, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.44 | ||
| Fwd PE | 1.83 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaply inside the industry as 92.31% of the companies are valued more expensively.
WLN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WLN is cheaper than 94.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.69 | ||
| EV/EBITDA | 0.46 |
4.3 Compensation for Growth
WLN's earnings are expected to decrease with -11.37% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-20.82%
EPS Next 3Y-11.37%
5. Dividend
5.1 Amount
WLN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (11/17/2025, 7:00:00 PM)
1.76
-0.09 (-4.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners62.78%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap499.08M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts51.43
Price Target3.21 (82.39%)
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)-16.64%
PT rev (3m)-22.06%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-14.34%
EPS NY rev (3m)-51.8%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.44 | ||
| Fwd PE | 1.83 | ||
| P/S | 0.11 | ||
| P/FCF | 1.69 | ||
| P/OCF | 0.91 | ||
| P/B | 0.13 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.46 |
EPS(TTM)1.22
EY69.32%
EPS(NY)0.96
Fwd EY54.5%
FCF(TTM)1.04
FCFY59.07%
OCF(TTM)1.94
OCFY110.44%
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 | 0.24 |
F-Score5
WACC1.92%
ROIC/WACC1.27
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-45.84%
EPS Next 2Y-20.82%
EPS Next 3Y-11.37%
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-1.72%
Revenue Next 2Y-1.41%
Revenue Next 3Y-0.47%
Revenue Next 5Y0.09%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year12.02%
EBIT Next 3Y7.79%
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 1.44 and the Price/Book (PB) ratio is 0.13.
What is the financial health of WORLDLINE SA (WLN.PA) stock?
The financial health rating of WORLDLINE SA (WLN.PA) is 2 / 10.