WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
EPA:WLN • FR0011981968
1.5645 EUR
-0.07 (-4.02%)
Last: Feb 27, 2026, 07:00 PM
WLN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 55 industry peers in the Financial Services industry. WLN has a bad profitability rating. Also its financial health evaluation is rather negative. WLN is valued quite cheap, but it does not seem to be growing.
1. Profitability
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.
- Of the past 5 years WLN 4 years had a positive operating cash flow.
1.2 Ratios
- WLN's Return On Assets of -28.16% is on the low side compared to the rest of the industry. WLN is outperformed by 87.27% of its industry peers.
- The Return On Equity of WLN (-112.71%) is worse than 83.64% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 2.44%, WLN is in line with its industry, outperforming 50.91% of the companies in the same industry.
| 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
- The Operating Margin of WLN (6.40%) is worse than 61.82% of its industry peers.
- Looking at the Gross Margin, with a value of 84.73%, WLN belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.
| 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. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so WLN is still creating some value.
- There is no outstanding debt for WLN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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.
- WLN has a Altman-Z score of 0.24. This is in the lower half of the industry: WLN underperforms 61.82% of its industry peers.
- 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.
- The Debt to FCF ratio of WLN (13.46) is comparable to the rest of the industry.
- 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 worse Debt to Equity ratio (0.83) than 61.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Altman-Z | 0.24 |
ROIC/WACC1.38
WACC1.76%
2.3 Liquidity
- A Current Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
- WLN has a Current ratio (1.06) which is in line with its industry peers.
- WLN has a Quick 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.
- WLN has a Quick ratio of 1.06. This is comparable to the rest of the industry: WLN outperforms 41.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 |
3. Growth
3.1 Past
- WLN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -30.29%.
- The Revenue has decreased by -2.35% in the past year.
- The Revenue has been growing by 10.35% 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 3Y-2.62%
Revenue growth 5Y10.35%
Sales Q2Q%-3.67%
3.2 Future
- Based on estimates for the next years, WLN will show a small growth in Earnings Per Share. The EPS will grow by 7.72% on average per year.
- Based on estimates for the next years, WLN will show a decrease in Revenue. The Revenue will decrease by -0.01% on average per year.
EPS Next Y-4.14%
EPS Next 2Y5.76%
EPS Next 3Y9.39%
EPS Next 5Y7.72%
Revenue Next Year-4.69%
Revenue Next 2Y-1.87%
Revenue Next 3Y-0.53%
Revenue Next 5Y-0.01%
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 1.28 indicates a rather cheap valuation of WLN.
- Compared to the rest of the industry, the Price/Earnings ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 94.55% of the companies listed in the same industry.
- WLN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
- The Price/Forward Earnings ratio is 2.02, which 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 94.55% of the companies in the same industry.
- WLN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.28 | ||
| Fwd PE | 2.02 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 94.55% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 94.55% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.51 | ||
| EV/EBITDA | 0.45 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.76%
EPS Next 3Y9.39%
5. Dividend
5.1 Amount
- No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:WLN (2/27/2026, 7:00:00 PM)
1.5645
-0.07 (-4.02%)
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 Owners64.9%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap444.26M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts54.29
Price Target2.21 (41.26%)
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)-1.17%
PT rev (3m)-17.41%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-19.28%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.36%
Revenue NY rev (3m)-3.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.28 | ||
| Fwd PE | 2.02 | ||
| P/S | 0.1 | ||
| P/FCF | 1.51 | ||
| P/OCF | 0.81 | ||
| P/B | 0.11 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.45 |
EPS(TTM)1.22
EY77.98%
EPS(NY)0.77
Fwd EY49.49%
FCF(TTM)1.04
FCFY66.4%
OCF(TTM)1.94
OCFY124.14%
SpS16.02
BVpS14.02
TBVpS-11.13
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.61
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
WACC1.76%
ROIC/WACC1.38
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)-30.29%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-41.89%
EPS Next Y-4.14%
EPS Next 2Y5.76%
EPS Next 3Y9.39%
EPS Next 5Y7.72%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y-2.62%
Revenue growth 5Y10.35%
Sales Q2Q%-3.67%
Revenue Next Year-4.69%
Revenue Next 2Y-1.87%
Revenue Next 3Y-0.53%
Revenue Next 5Y-0.01%
EBIT growth 1Y-40.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year75.82%
EBIT Next 3Y23.39%
EBIT Next 5Y17.04%
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 -4.14% in the next year.