WORLDLINE SA (WO6.DE) Stock Fundamental Analysis
Europe - FRA:WO6 - FR0011981968 - Common Stock
2.454 EUR
+0.28 (+12.88%)
Overall WO6 gets a fundamental rating of 3 out of 10. We evaluated WO6 against 50 industry peers in the Financial Services industry. Both the profitability and financial health of WO6 have multiple concerns. WO6 has a bad growth rate and is valued cheaply.
1. Profitability
1.1 Basic Checks
WO6 had positive earnings in the past year.
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.
Each year in the past 5 years WO6 had a positive operating cash flow.
1.2 Ratios
WO6's Return On Assets of -28.16% is on the low side compared to the rest of the industry. WO6 is outperformed by 86.00% of its industry peers.
WO6 has a worse Return On Equity (-112.71%) than 84.00% of its industry peers.
WO6 has a Return On Invested Capital of 2.33%. This is comparable to the rest of the industry: WO6 outperforms 48.00% of its industry peers.
WO6 had an Average Return On Invested Capital over the past 3 years of 2.48%. This is significantly below the industry average of 8.73%.
| 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 has a Operating Margin (6.39%) which is in line with its industry peers.
In the last couple of years the Operating Margin of WO6 has declined.
WO6's Gross Margin of 84.73% is fine compared to the rest of the industry. WO6 outperforms 80.00% of its industry peers.
In the last couple of years the Gross Margin of WO6 has declined.
| 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) below the Cost of Capital (WACC), WO6 is destroying value.
Compared to 1 year ago, WO6 has more shares outstanding
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 0.25. This is a bad value and indicates that WO6 is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of WO6 (0.25) is worse than 72.00% of its industry peers.
WO6 has a debt to FCF ratio of 13.47. This is a negative value and a sign of low solvency as WO6 would need 13.47 years to pay back of all of its debts.
WO6 has a Debt to FCF ratio of 13.47. This is comparable to the rest of the industry: WO6 outperforms 42.00% of its industry peers.
A Debt/Equity ratio of 0.83 indicates that WO6 is somewhat dependend on debt financing.
WO6's Debt to Equity ratio of 0.83 is on the low side compared to the rest of the industry. WO6 is outperformed by 66.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.94
WACC2.48%
2.3 Liquidity
A Current Ratio of 1.06 indicates that WO6 should not have too much problems paying its short term obligations.
The Current ratio of WO6 (1.06) is worse than 68.00% 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 worse Quick ratio (1.06) than 66.00% 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 WO6 have decreased strongly by -30.29% in the last year.
Looking at the last year, WO6 shows a decrease in Revenue. The Revenue has decreased by -2.35% in the last year.
The Revenue has been growing by 14.23% on average over the past years. This is quite good.
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
WO6 is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.71% yearly.
WO6 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.57% yearly.
EPS Next Y-36.77%
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
EPS Next 5Y-6.71%
Revenue Next Year-1.72%
Revenue Next 2Y-1.01%
Revenue Next 3Y-0.03%
Revenue Next 5Y0.57%
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
WO6 is valuated cheaply with a Price/Earnings ratio of 2.01.
94.00% of the companies in the same industry are more expensive than WO6, based on the Price/Earnings ratio.
WO6's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
A Price/Forward Earnings ratio of 2.16 indicates a rather cheap valuation of WO6.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WO6 indicates a rather cheap valuation: WO6 is cheaper than 94.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.18. WO6 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.01 | ||
| Fwd PE | 2.16 |
4.2 Price Multiples
88.00% of the companies in the same industry are more expensive than WO6, based on the Enterprise Value to EBITDA ratio.
WO6's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WO6 is cheaper than 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.36 | ||
| EV/EBITDA | 0.5 |
4.3 Compensation for Growth
WO6's earnings are expected to decrease with -5.78% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
5. Dividend
5.1 Amount
WO6 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:WO6 (10/20/2025, 7:00:00 PM)
2.454
+0.28 (+12.88%)
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 Cap695.88M
Analysts54.78
Price Target3.85 (56.89%)
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)-3.75%
PT rev (3m)-39.85%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-19.51%
EPS NY rev (3m)-43.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.39%
Revenue NY rev (3m)-2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.01 | ||
| Fwd PE | 2.16 | ||
| P/S | 0.15 | ||
| P/FCF | 2.36 | ||
| P/OCF | 1.26 | ||
| P/B | 0.17 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.5 |
EPS(TTM)1.22
EY49.71%
EPS(NY)1.14
Fwd EY46.25%
FCF(TTM)1.04
FCFY42.36%
OCF(TTM)1.94
OCFY79.21%
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 | 2.33% | ||
| ROICexc | 2.96% | ||
| 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)2.48%
ROIC(5y)2.18%
ROICexc(3y)2.87%
ROICexc(5y)2.48%
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
WACC2.48%
ROIC/WACC0.94
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-36.77%
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
EPS Next 5Y-6.71%
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-1.01%
Revenue Next 3Y-0.03%
Revenue Next 5Y0.57%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year12.02%
EBIT Next 3Y7.79%
EBIT Next 5Y2.3%
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%