WORLDLINE SA (WO6.DE) Stock Fundamental Analysis
FRA:WO6 - FR0011981968 - Common Stock
2.666 EUR
+0.02 (+0.95%)
WO6 gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. WO6 has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
WO6 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -28.16%, WO6 is doing worse than 88.00% of the companies in the same industry.
WO6 has a Return On Equity of -112.71%. This is amonst the worse of the industry: WO6 underperforms 86.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.33%, WO6 is doing worse than 60.00% 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 10.94%.
| 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
The Operating Margin of WO6 (6.39%) is worse than 66.00% 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 in the better half of the industry: WO6 outperforms 78.00% 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
WO6 has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying 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
Based on the Altman-Z score of 0.25, we must say that WO6 is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.25, WO6 is doing worse than 72.00% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 13.47, WO6 is doing worse than 60.00% 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 64.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.9
WACC2.6%
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.
Looking at the Current ratio, with a value of 1.06, WO6 is doing worse than 62.00% of the companies in the same industry.
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 62.00% 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
The Earnings Per Share is expected to decrease by -6.65% on average over the next years.
The Revenue is expected to grow by 0.63% on average over the next years.
EPS Next Y-21.45%
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
EPS Next 5Y-6.65%
Revenue Next Year-1.16%
Revenue Next 2Y-0.51%
Revenue Next 3Y0.46%
Revenue Next 5Y0.63%
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
With a Price/Earnings ratio of 2.19, the valuation of WO6 can be described as very cheap.
90.00% 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 27.06.
Based on the Price/Forward Earnings ratio of 2.07, 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 94.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.69. WO6 is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.19 | ||
| Fwd PE | 2.07 |
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 92.00% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WO6 indicates a rather cheap valuation: WO6 is cheaper than 90.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.56 | ||
| 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 (9/5/2025, 7:00:00 PM)
2.666
+0.02 (+0.95%)
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 Cap756.00M
Analysts54.78
Price Target3.92 (47.04%)
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)-17.67%
PT rev (3m)-37.91%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-30.1%
EPS NY rev (3m)-30.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.84%
Revenue NY rev (3m)-1.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.19 | ||
| Fwd PE | 2.07 | ||
| P/S | 0.17 | ||
| P/FCF | 2.56 | ||
| P/OCF | 1.37 | ||
| P/B | 0.19 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.51 |
EPS(TTM)1.22
EY45.76%
EPS(NY)1.29
Fwd EY48.36%
FCF(TTM)1.04
FCFY38.99%
OCF(TTM)1.94
OCFY72.91%
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
WACC2.6%
ROIC/WACC0.9
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-6.65%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.16%
Revenue Next 2Y-0.51%
Revenue Next 3Y0.46%
Revenue Next 5Y0.63%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year31.92%
EBIT Next 3Y13.45%
EBIT Next 5Y5.06%
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%