WORLDLINE SA (WO6.DE) Stock Fundamental Analysis
Europe - FRA:WO6 - FR0011981968 - Common Stock
2.582 EUR
-0.02 (-0.88%)
We assign a fundamental rating of 3 out of 10 to WO6. WO6 was compared to 47 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.
WO6 had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: WO6 reported negative net income in multiple years.
Each year in the past 5 years WO6 had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of -28.16%, WO6 is not doing good in the industry: 87.23% of the companies in the same industry are doing better.
The Return On Equity of WO6 (-112.71%) is worse than 85.11% of its industry peers.
The Return On Invested Capital of WO6 (2.33%) is comparable to the rest of the industry.
WO6 had an Average Return On Invested Capital over the past 3 years of 2.48%. This is significantly below the industry average of 9.94%.
| 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 of 6.39%. This is in the lower half of the industry: WO6 underperforms 61.70% of its industry peers.
In the last couple of years the Operating Margin of WO6 has declined.
With a decent Gross Margin value of 84.73%, WO6 is doing good in the industry, outperforming 76.60% of the companies in the same industry.
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
Compared to 5 years ago, WO6 has more shares outstanding
The debt/assets ratio for WO6 is higher compared to a year ago.
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 68.09% 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.
With a Debt to FCF ratio value of 13.47, WO6 perfoms like the industry average, outperforming 42.55% of the companies in the same industry.
WO6 has a Debt/Equity ratio of 0.83. This is a neutral value indicating 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 61.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.91
WACC2.56%
2.3 Liquidity
WO6 has a Current 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.
With a Current ratio value of 1.06, WO6 perfoms like the industry average, outperforming 40.43% of the companies in the same industry.
A Quick Ratio of 1.06 indicates that WO6 should not have too much problems paying its short term obligations.
The Quick ratio of WO6 (1.06) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 |
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%.
Looking at the last year, WO6 shows a decrease in Revenue. The Revenue has decreased by -2.35% in the last year.
WO6 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
Based on estimates for the next years, WO6 will show a decrease in Earnings Per Share. The EPS will decrease by -6.63% on average per year.
Based on estimates for the next years, WO6 will show a small growth in Revenue. The Revenue will grow by 0.65% on average per year.
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
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
A Price/Earnings ratio of 2.12 indicates a rather cheap valuation of WO6.
Based on the Price/Earnings ratio, WO6 is valued cheaper than 93.62% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.32. WO6 is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 2.00, which indicates a rather cheap valuation of WO6.
WO6's Price/Forward Earnings ratio is rather cheap when compared to the industry. WO6 is cheaper than 93.62% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of WO6 to the average of the S&P500 Index (22.89), we can say WO6 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.12 | ||
| Fwd PE | 2 |
4.2 Price Multiples
WO6's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. WO6 is cheaper than 91.49% of the companies in the same industry.
91.49% of the companies in the same industry are more expensive than WO6, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.48 | ||
| EV/EBITDA | 0.51 |
4.3 Compensation for Growth
A cheap valuation may be justified as WO6'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 WO6!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:WO6 (9/26/2025, 7:00:00 PM)
2.582
-0.02 (-0.88%)
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 Cap732.18M
Analysts54.78
Price Target4 (54.92%)
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)-2.13%
PT rev (3m)-33.76%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-30.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)-1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.12 | ||
| Fwd PE | 2 | ||
| P/S | 0.16 | ||
| P/FCF | 2.48 | ||
| P/OCF | 1.33 | ||
| P/B | 0.18 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.51 |
EPS(TTM)1.22
EY47.25%
EPS(NY)1.29
Fwd EY49.93%
FCF(TTM)1.04
FCFY40.26%
OCF(TTM)1.94
OCFY75.28%
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
WACC2.56%
ROIC/WACC0.91
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%