WORLDLINE SA (WO6.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:WO6 - FR0011981968 - Common Stock
1.624 EUR
+0.1 (+6.7%)
WO6 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 56 industry peers in the Financial Services industry. WO6 may be in some trouble as it scores bad on both profitability and health. WO6 is cheap, but on the other hand it scores bad on growth.
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.
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 has a Return On Assets of -28.16%. This is amonst the worse of the industry: WO6 underperforms 83.93% of its industry peers.
With a Return On Equity value of -112.71%, WO6 is not doing good in the industry: 80.36% of the companies in the same industry are doing better.
WO6's Return On Invested Capital of 2.33% is in line compared to the rest of the industry. WO6 outperforms 50.00% 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 8.78%.
| 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)-3.3%
ROIC(3y)2.48%
ROIC(5y)2.18%
1.3 Margins
WO6 has a Operating Margin of 6.40%. This is comparable to the rest of the industry: WO6 outperforms 42.86% of its industry peers.
In the last couple of years the Operating Margin of WO6 has declined.
WO6 has a Gross Margin of 84.73%. This is amongst the best in the industry. WO6 outperforms 83.93% 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-7.59%
OM growth 5Y-8.42%
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 WO6 is still creating some value.
WO6 has more shares outstanding than it did 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 0.24. 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 (0.24) is worse than 67.86% 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.
With a Debt to FCF ratio value of 13.46, WO6 perfoms like the industry average, outperforming 42.86% of the companies in the same 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 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Altman-Z | 0.24 |
ROIC/WACC1.3
WACC1.79%
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 62.50% 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.
The Quick ratio of WO6 (1.06) is worse than 60.71% 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.
WO6 shows a decrease in Revenue. In the last year, the revenue decreased by -2.35%.
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
Based on estimates for the next years, WO6 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-47.2%
EPS Next 2Y-28.84%
EPS Next 3Y-16.09%
EPS Next 5Y-5.97%
Revenue Next Year-1.74%
Revenue Next 2Y-2.59%
Revenue Next 3Y-1.32%
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 1.33, the valuation of WO6 can be described as very cheap.
Based on the Price/Earnings ratio, WO6 is valued cheaply inside the industry as 96.43% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of WO6 to the average of the S&P500 Index (26.84), we can say WO6 is valued rather cheaply.
With a Price/Forward Earnings ratio of 2.10, the valuation of WO6 can be described as very cheap.
WO6's Price/Forward Earnings ratio is rather cheap when compared to the industry. WO6 is cheaper than 96.43% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of WO6 to the average of the S&P500 Index (23.40), we can say WO6 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.33 | ||
| Fwd PE | 2.1 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WO6 indicates a rather cheap valuation: WO6 is cheaper than 94.64% of the companies listed in the same industry.
WO6's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WO6 is cheaper than 96.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.56 | ||
| EV/EBITDA | 0.45 |
4.3 Compensation for Growth
WO6's earnings are expected to decrease with -16.09% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-28.84%
EPS Next 3Y-16.09%
5. Dividend
5.1 Amount
WO6 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:WO6 (12/29/2025, 7:00:00 PM)
1.624
+0.1 (+6.7%)
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 Cap460.52M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts51.43
Price Target2.22 (36.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-17.04%
PT rev (3m)-44.64%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.51%
EPS NY rev (3m)-16.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.33 | ||
| Fwd PE | 2.1 | ||
| P/S | 0.1 | ||
| P/FCF | 1.56 | ||
| P/OCF | 0.83 | ||
| P/B | 0.12 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.45 |
EPS(TTM)1.22
EY75.12%
EPS(NY)0.77
Fwd EY47.7%
FCF(TTM)1.04
FCFY64.06%
OCF(TTM)1.95
OCFY119.87%
SpS16.04
BVpS14.04
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 | 2.33% | ||
| ROICexc | 2.96% | ||
| ROICexgc | N/A | ||
| OM | 6.4% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% | ||
| FCFM | 6.49% |
ROA(3y)-1.31%
ROA(5y)-1.37%
ROE(3y)-3.31%
ROE(5y)-3.3%
ROIC(3y)2.48%
ROIC(5y)2.18%
ROICexc(3y)2.88%
ROICexc(5y)2.48%
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 3Y8.74%
ROICexc growth 5Y-13.11%
OM growth 3Y-7.59%
OM growth 5Y-8.42%
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 | 13.46 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 5.49% | ||
| Cap/Sales | 5.65% | ||
| Interest Coverage | 19.02 | ||
| Cash Conversion | 11.09% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 0.24 |
F-Score5
WACC1.79%
ROIC/WACC1.3
Cap/Depr(3y)43.74%
Cap/Depr(5y)47.46%
Cap/Sales(3y)6.92%
Cap/Sales(5y)6.64%
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-47.2%
EPS Next 2Y-28.84%
EPS Next 3Y-16.09%
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-1.74%
Revenue Next 2Y-2.59%
Revenue Next 3Y-1.32%
Revenue Next 5Y0.09%
EBIT growth 1Y-40.9%
EBIT growth 3Y-0.31%
EBIT growth 5Y4.61%
EBIT Next Year9.24%
EBIT Next 3Y3.6%
EBIT Next 5Y2.41%
FCF growth 1Y-57.78%
FCF growth 3Y-24.86%
FCF growth 5Y0.51%
OCF growth 1Y-47.81%
OCF growth 3Y-15.01%
OCF growth 5Y7.16%
WORLDLINE SA / WO6.DE FAQ
What is the fundamental rating for WO6 stock?
ChartMill assigns a fundamental rating of 3 / 10 to WO6.DE.
What is the valuation status of WORLDLINE SA (WO6.DE) stock?
ChartMill assigns a valuation rating of 7 / 10 to WORLDLINE SA (WO6.DE). This can be considered as Undervalued.
How profitable is WORLDLINE SA (WO6.DE) stock?
WORLDLINE SA (WO6.DE) has a profitability rating of 3 / 10.
What are the PE and PB ratios of WORLDLINE SA (WO6.DE) stock?
The Price/Earnings (PE) ratio for WORLDLINE SA (WO6.DE) is 1.33 and the Price/Book (PB) ratio is 0.12.
Can you provide the expected EPS growth for WO6 stock?
The Earnings per Share (EPS) of WORLDLINE SA (WO6.DE) is expected to decline by -47.2% in the next year.