WORLDLINE SA (WLN.PA) Fundamental Analysis & Valuation
EPA:WLN • FR0011981968
0.392 EUR
-1.11 (-73.86%)
Last: Mar 13, 2026, 05:29 PM
This WLN.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
WLN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 58 industry peers in the Financial Services industry. WLN may be in some trouble as it scores bad on both profitability and health. WLN has a bad growth rate and is valued cheaply.
1. WLN.PA Profitability Analysis
1.1 Basic Checks
- In the past year WLN was profitable.
- In the past year WLN had a positive cash flow from operations.
- WLN had negative earnings in 4 of the past 5 years.
- WLN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- WLN has a worse Return On Assets (-28.16%) than 84.48% of its industry peers.
- With a Return On Equity value of -112.71%, WLN is not doing good in the industry: 81.03% of the companies in the same industry are doing better.
- WLN has a Return On Invested Capital (2.44%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROIC | 2.44% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Operating Margin value of 6.40%, WLN perfoms like the industry average, outperforming 43.10% of the companies in the same industry.
- WLN has a better Gross Margin (84.73%) than 84.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.4% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. WLN.PA Health Analysis
2.1 Basic Checks
- WLN has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- WLN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- WLN has an Altman-Z score of 0.24. This is a bad value and indicates that WLN is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 0.24, WLN is not doing good in the industry: 70.69% of the companies in the same industry are doing better.
- The Debt to FCF ratio of WLN is 13.46, which is on the high side as it means it would take WLN, 13.46 years of fcf income to pay off all of its debts.
- WLN's Debt to FCF ratio of 13.46 is in line compared to the rest of the industry. WLN outperforms 46.55% of its industry peers.
- WLN has a Debt/Equity ratio of 0.83. This is a neutral value indicating WLN is somewhat dependend on debt financing.
- WLN has a Debt to Equity ratio of 0.83. This is in the lower half of the industry: WLN underperforms 62.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Altman-Z | 0.24 |
ROIC/WACC3.75
WACC0.65%
2.3 Liquidity
- WLN has a Current Ratio of 1.06. This is a normal value and indicates that WLN 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, WLN is in line with its industry, outperforming 41.38% of the companies in the same industry.
- A Quick Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
- WLN has a Quick ratio (1.06) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 |
3. WLN.PA Growth Analysis
3.1 Past
- WLN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.30%.
- WLN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.
- Measured over the past years, WLN shows a quite strong growth in Revenue. The Revenue has been growing by 14.23% on average per year.
EPS 1Y (TTM)-17.3%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)0.47%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-22.11%
3.2 Future
- Based on estimates for the next years, WLN will show a decrease in Earnings Per Share. The EPS will decrease by -6.25% on average per year.
- Based on estimates for the next years, WLN will show a decrease in Revenue. The Revenue will decrease by -0.21% on average per year.
EPS Next Y-47.82%
EPS Next 2Y-29.2%
EPS Next 3Y-15.59%
EPS Next 5Y-6.25%
Revenue Next Year-1.79%
Revenue Next 2Y-3.69%
Revenue Next 3Y-2.25%
Revenue Next 5Y-0.21%
3.3 Evolution
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. WLN.PA Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 0.26, which indicates a rather cheap valuation of WLN.
- Based on the Price/Earnings ratio, WLN is valued cheaper than 96.55% of the companies in the same industry.
- WLN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
- A Price/Forward Earnings ratio of 0.51 indicates a rather cheap valuation of WLN.
- WLN's Price/Forward Earnings ratio is rather cheap when compared to the industry. WLN is cheaper than 96.55% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.82, WLN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.26 | ||
| Fwd PE | 0.51 |
4.2 Price Multiples
- 96.55% of the companies in the same industry are more expensive than WLN, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 96.55% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.38 | ||
| EV/EBITDA | 0.44 |
4.3 Compensation for Growth
- WLN's earnings are expected to decrease with -15.59% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-29.2%
EPS Next 3Y-15.59%
5. WLN.PA Dividend Analysis
5.1 Amount
- WLN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
WLN.PA Fundamentals: All Metrics, Ratios and Statistics
EPA:WLN (3/13/2026, 5:29:45 PM)
0.392
-1.11 (-73.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25 2026-02-25/amc
Earnings (Next)04-28 2026-04-28
Inst Owners59.84%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap111.31M
Revenue(TTM)4.63B
Net Income(TTM)-4.49B
Analysts54.29
Price Target2.21 (463.78%)
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)0%
PT rev (3m)-4.83%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.94%
EPS NY rev (3m)-7.06%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.25%
Revenue NY rev (3m)-2.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 0.26 | ||
| Fwd PE | 0.51 | ||
| P/S | 0.02 | ||
| P/FCF | 0.38 | ||
| P/OCF | 0.2 | ||
| P/B | 0.03 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.44 |
EPS(TTM)1.53
EY390.31%
EPS(NY)0.77
Fwd EY195.66%
FCF(TTM)1.04
FCFY265.02%
OCF(TTM)1.94
OCFY495.45%
SpS16.02
BVpS14.02
TBVpS-11.13
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROCE | 3.42% | ||
| ROIC | 2.44% | ||
| ROICexc | 3.1% | ||
| ROICexgc | N/A | ||
| OM | 6.4% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% | ||
| FCFM | 6.49% |
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 5.47% | ||
| Cap/Sales | 5.64% | ||
| Interest Coverage | 19.03 | ||
| Cash Conversion | 11.08% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 0.24 |
F-Score5
WACC0.65%
ROIC/WACC3.75
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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%N/A
EPS Next Y-47.82%
EPS Next 2Y-29.2%
EPS Next 3Y-15.59%
EPS Next 5Y-6.25%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-22.11%
Revenue Next Year-1.79%
Revenue Next 2Y-3.69%
Revenue Next 3Y-2.25%
Revenue Next 5Y-0.21%
EBIT growth 1Y-40.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year74.43%
EBIT Next 3Y19.14%
EBIT Next 5Y17.48%
FCF growth 1Y-13.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-16.07%
OCF growth 3YN/A
OCF growth 5YN/A
WORLDLINE SA / WLN.PA FAQ
Can you provide the ChartMill fundamental rating for WORLDLINE SA?
ChartMill assigns a fundamental rating of 3 / 10 to WLN.PA.
What is the valuation status of WORLDLINE SA (WLN.PA) stock?
ChartMill assigns a valuation rating of 7 / 10 to WORLDLINE SA (WLN.PA). This can be considered as Undervalued.
What is the profitability of WLN stock?
WORLDLINE SA (WLN.PA) has a profitability rating of 2 / 10.
Can you provide the financial health for WLN stock?
The financial health rating of WORLDLINE SA (WLN.PA) is 3 / 10.
Can you provide the expected EPS growth for WLN stock?
The Earnings per Share (EPS) of WORLDLINE SA (WLN.PA) is expected to decline by -47.82% in the next year.