WORLDLINE SA (WO6.DE) Stock Fundamental Analysis

Europe - Frankfurt Stock Exchange - FRA:WO6 - FR0011981968 - Common Stock

1.4365 EUR

-0.07 (-4.46%)

Last: 1/28/2026, 7:00:00 PM

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to WO6. WO6 was compared to 59 industry peers in the Financial Services industry. Both the profitability and financial health of WO6 have multiple concerns. WO6 is cheap, but on the other hand it scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year WO6 was profitable.
In the past year WO6 had a positive cash flow from operations.
In multiple years WO6 reported negative net income over the last 5 years.
In the past 5 years WO6 always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of -28.16%, WO6 is doing worse than 88.14% of the companies in the same industry.
WO6 has a worse Return On Equity (-112.71%) than 84.75% of its industry peers.
With a Return On Invested Capital value of 2.33%, WO6 perfoms like the industry average, outperforming 45.76% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for WO6 is significantly below the industry average of 10.02%.

		Industry Rank	Sector Rank
ROA	-28.16%
ROE	-112.71%
ROIC	2.33%

ROA(3y)-1.31%

ROA(5y)-1.37%

ROE(3y)-3.31%

ROE(5y)-3.31%

ROIC(3y)2.48%

ROIC(5y)2.18%

1.3 Margins

WO6's Operating Margin of 6.40% is on the low side compared to the rest of the industry. WO6 is outperformed by 62.71% of its industry peers.
WO6's Operating Margin has declined in the last couple of years.
The Gross Margin of WO6 (84.73%) is better than 84.75% of its industry peers.
In the last couple of years the Gross Margin of WO6 has declined.

		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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WO6 has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for WO6 has been increased compared to 1 year ago.
WO6 has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, WO6 has a worse debt to assets ratio.

2.2 Solvency

WO6 has an Altman-Z score of 0.23. This is a bad value and indicates that WO6 is not financially healthy and even has some risk of bankruptcy.
WO6 has a worse Altman-Z score (0.23) than 69.49% of its industry peers.
The Debt to FCF ratio of WO6 is 13.46, which is on the high side as it means it would take WO6, 13.46 years of fcf income to pay off all of its debts.
WO6 has a Debt to FCF ratio (13.46) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.83 indicates that WO6 is somewhat dependend on debt financing.
The Debt to Equity ratio of WO6 (0.83) is worse than 64.41% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.83
Debt/FCF	13.46
Altman-Z	0.23

ROIC/WACC1.42

WACC1.64%

2.3 Liquidity

A Current Ratio of 1.06 indicates that WO6 should not have too much problems paying its short term obligations.
WO6 has a Current ratio of 1.06. This is in the lower half of the industry: WO6 underperforms 66.10% of its industry peers.
WO6 has a Quick Ratio of 1.06. This is a normal value and indicates that WO6 is financially healthy and should not expect problems in meeting its short term obligations.
WO6 has a Quick ratio of 1.06. This is in the lower half of the industry: WO6 underperforms 66.10% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.06
Quick Ratio	1.06

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

WO6 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.29%.
WO6 shows a decrease in Revenue. In the last year, the revenue decreased by -2.35%.
Measured over the past years, WO6 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

The Earnings Per Share is expected to decrease by -6.24% on average over the next years.
Based on estimates for the next years, WO6 will show a decrease in Revenue. The Revenue will decrease by -0.20% on average per year.

EPS Next Y-47.21%

EPS Next 2Y-28.86%

EPS Next 3Y-16.11%

EPS Next 5Y-6.24%

Revenue Next Year-1.74%

Revenue Next 2Y-2.59%

Revenue Next 3Y-1.32%

Revenue Next 5Y-0.2%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.18, which indicates a rather cheap valuation of WO6.
Based on the Price/Earnings ratio, WO6 is valued cheaply inside the industry as 94.92% of the companies are valued more expensively.
WO6's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.60.
A Price/Forward Earnings ratio of 1.86 indicates a rather cheap valuation of WO6.
Based on the Price/Forward Earnings ratio, WO6 is valued cheaply inside the industry as 94.92% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 25.83. WO6 is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	1.18
Fwd PE	1.86

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, WO6 is valued cheaper than 94.92% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, WO6 is valued cheaply inside the industry as 94.92% of the companies are valued more expensively.