WORLDLINE SA (WO6.DE) Stock Fundamental Analysis
FRA:WO6 - Deutsche Boerse Ag - FR0011981968 - Common Stock - Currency: EUR
Taking everything into account, WO6 scores 4 out of 10 in our fundamental rating. WO6 was compared to 50 industry peers in the Financial Services industry. WO6 has a bad profitability rating. Also its financial health evaluation is rather negative. WO6 is valued quite cheap, but it does not seem to be growing.
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
WO6's Return On Assets of -1.53% is on the low side compared to the rest of the industry. WO6 is outperformed by 76.00% of its industry peers.
With a Return On Equity value of -3.60%, WO6 is not doing good in the industry: 74.00% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 2.36%, WO6 is in line with its industry, outperforming 46.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for WO6 is significantly below the industry average of 10.20%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.53% | ||
| ROE | -3.6% | ||
| ROIC | 2.36% |
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 (9.32%) which is in line with its industry peers.
In the last couple of years the Operating Margin of WO6 has declined.
Looking at the Gross Margin, with a value of 86.94%, WO6 belongs to the top of the industry, outperforming 86.00% 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 | 9.32% | ||
| PM (TTM) | N/A | ||
| GM | 86.94% |
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
Based on the Altman-Z score of 0.56, we must say that WO6 is in the distress zone and has some risk of bankruptcy.
WO6's Altman-Z score of 0.56 is on the low side compared to the rest of the industry. WO6 is outperformed by 64.00% of its industry peers.
The Debt to FCF ratio of WO6 is 11.75, which is on the high side as it means it would take WO6, 11.75 years of fcf income to pay off all of its debts.
WO6's Debt to FCF ratio of 11.75 is in line compared to the rest of the industry. WO6 outperforms 44.00% of its industry peers.
WO6 has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
WO6's Debt to Equity ratio of 0.37 is in line compared to the rest of the industry. WO6 outperforms 58.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 11.75 | ||
| Altman-Z | 0.56 |
ROIC/WACC0.59
WACC4.03%
2.3 Liquidity
A Current Ratio of 1.05 indicates that WO6 should not have too much problems paying its short term obligations.
With a Current ratio value of 1.05, WO6 perfoms like the industry average, outperforming 42.00% of the companies in the same industry.
WO6 has a Quick Ratio of 1.04. This is a normal value and indicates that WO6 is financially healthy and should not expect problems in meeting its short term obligations.
WO6's Quick ratio of 1.04 is in line compared to the rest of the industry. WO6 outperforms 48.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
The earnings per share for WO6 have decreased strongly by -17.30% in the last year.
WO6 shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.
The Revenue has been growing by 14.23% on average over the past years. This is quite good.
EPS 1Y (TTM)-17.3%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-21.78%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-1.05%
3.2 Future
The Earnings Per Share is expected to grow by 17.48% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.17% on average over the next years.
EPS Next Y12.38%
EPS Next 2Y9.48%
EPS Next 3Y7.74%
EPS Next 5Y17.48%
Revenue Next Year0.45%
Revenue Next 2Y1.4%
Revenue Next 3Y1.95%
Revenue Next 5Y3.17%
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
A Price/Earnings ratio of 3.47 indicates a rather cheap valuation of WO6.
Compared to the rest of the industry, the Price/Earnings ratio of WO6 indicates a rather cheap valuation: WO6 is cheaper than 92.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.03, WO6 is valued rather cheaply.
The Price/Forward Earnings ratio is 3.09, which indicates a rather cheap valuation of WO6.
96.00% of the companies in the same industry are more expensive than WO6, based on the Price/Forward Earnings ratio.
WO6 is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.47 | ||
| Fwd PE | 3.09 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WO6 is valued cheaper than 90.00% of the companies in the same industry.
88.00% 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 | 4.68 | ||
| EV/EBITDA | 3.06 |
4.3 Compensation for Growth
WO6's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y9.48%
EPS Next 3Y7.74%
5. Dividend
5.1 Amount
WO6 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:WO6 (5/21/2025, 7:00:00 PM)
5.312
+0.3 (+6.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners63.14%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap1.51B
Analysts65.83
Price Target6.31 (18.79%)
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)-17.68%
PT rev (3m)-29.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-12.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.12%
Revenue NY rev (3m)-2.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.47 | ||
| Fwd PE | 3.09 | ||
| P/S | 0.33 | ||
| P/FCF | 4.68 | ||
| P/OCF | 2.5 | ||
| P/B | 0.18 | ||
| P/tB | N/A | ||
| EV/EBITDA | 3.06 |
EPS(TTM)1.53
EY28.8%
EPS(NY)1.72
Fwd EY32.37%
FCF(TTM)1.13
FCFY21.35%
OCF(TTM)2.13
OCFY40.04%
SpS16.33
BVpS29.08
TBVpS-10.41
PEG (NY)0.28
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.53% | ||
| ROE | -3.6% | ||
| ROCE | 3.43% | ||
| ROIC | 2.36% | ||
| ROICexc | 2.75% | ||
| ROICexgc | N/A | ||
| OM | 9.32% | ||
| PM (TTM) | N/A | ||
| GM | 86.94% | ||
| FCFM | 6.94% |
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-Score6
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 11.75 | ||
| Debt/EBITDA | 2.92 | ||
| Cap/Depr | 46.12% | ||
| Cap/Sales | 6.08% | ||
| Interest Coverage | 33.73 | ||
| Cash Conversion | 57.88% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 | ||
| Altman-Z | 0.56 |
F-Score6
WACC4.03%
ROIC/WACC0.59
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)-17.3%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-21.78%
EPS Next Y12.38%
EPS Next 2Y9.48%
EPS Next 3Y7.74%
EPS Next 5Y17.48%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-1.05%
Revenue Next Year0.45%
Revenue Next 2Y1.4%
Revenue Next 3Y1.95%
Revenue Next 5Y3.17%
EBIT growth 1Y-11.26%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year38.77%
EBIT Next 3Y15.1%
EBIT Next 5Y9.89%
FCF growth 1Y-29.92%
FCF growth 3Y-24.81%
FCF growth 5Y0.55%
OCF growth 1Y-23.83%
OCF growth 3Y-15%
OCF growth 5Y7.16%