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WORLDLINE SA (WLN.PA) Stock Fundamental Analysis

EPA:WLN - Euronext Paris - Matif - FR0011981968 - Common Stock - Currency: EUR

3.71  -0.1 (-2.75%)

Fundamental Rating

4

WLN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 51 industry peers in the Financial Services industry. WLN may be in some trouble as it scores bad on both profitability and health. WLN is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

WLN had positive earnings in the past year.
WLN had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: WLN reported negative net income in multiple years.
In the past 5 years WLN always reported a positive cash flow from operatings.
WLN.PA Yearly Net Income VS EBIT VS OCF VS FCFWLN.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

WLN has a Return On Assets of -1.53%. This is amonst the worse of the industry: WLN underperforms 80.39% of its industry peers.
Looking at the Return On Equity, with a value of -3.60%, WLN is doing worse than 78.43% of the companies in the same industry.
WLN has a Return On Invested Capital (2.47%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for WLN is significantly below the industry average of 11.50%.
Industry RankSector Rank
ROA -1.53%
ROE -3.6%
ROIC 2.47%
ROA(3y)-1.31%
ROA(5y)-1.37%
ROE(3y)-3.31%
ROE(5y)-3.31%
ROIC(3y)2.59%
ROIC(5y)2.28%
WLN.PA Yearly ROA, ROE, ROICWLN.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

The Operating Margin of WLN (9.32%) is worse than 60.78% of its industry peers.
In the last couple of years the Operating Margin of WLN has declined.
WLN has a Gross Margin of 86.94%. This is amongst the best in the industry. WLN outperforms 80.39% of its industry peers.
In the last couple of years the Gross Margin of WLN has declined.
Industry RankSector 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%
WLN.PA Yearly Profit, Operating, Gross MarginsWLN.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60 80 100

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WLN is destroying value.
The number of shares outstanding for WLN has been increased compared to 1 year ago.
WLN has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, WLN has a worse debt to assets ratio.
WLN.PA Yearly Shares OutstandingWLN.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M
WLN.PA Yearly Total Debt VS Total AssetsWLN.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

2.2 Solvency

WLN has an Altman-Z score of 0.53. This is a bad value and indicates that WLN is not financially healthy and even has some risk of bankruptcy.
WLN's Altman-Z score of 0.53 is on the low side compared to the rest of the industry. WLN is outperformed by 64.71% of its industry peers.
The Debt to FCF ratio of WLN is 11.75, which is on the high side as it means it would take WLN, 11.75 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 11.75, WLN is in line with its industry, outperforming 41.18% of the companies in the same industry.
WLN has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
WLN's Debt to Equity ratio of 0.37 is fine compared to the rest of the industry. WLN outperforms 62.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 11.75
Altman-Z 0.53
ROIC/WACC0.74
WACC3.34%
WLN.PA Yearly LT Debt VS Equity VS FCFWLN.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.3 Liquidity

WLN has a Current Ratio of 1.05. 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 1.05, WLN is in line with its industry, outperforming 45.10% of the companies in the same industry.
A Quick Ratio of 1.04 indicates that WLN should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.04, WLN is in line with its industry, outperforming 50.98% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.05
Quick Ratio 1.04
WLN.PA Yearly Current Assets VS Current LiabilitesWLN.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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3

3. Growth

3.1 Past

The earnings per share for WLN have decreased strongly by -17.30% in the last year.
WLN 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

Based on estimates for the next years, WLN will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.48% on average per year.
WLN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.39% yearly.
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 5Y2.39%

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.
WLN.PA Yearly Revenue VS EstimatesWLN.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1B 2B 3B 4B 5B
WLN.PA Yearly EPS VS EstimatesWLN.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5 2 2.5

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8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 2.42, which indicates a rather cheap valuation of WLN.
WLN's Price/Earnings ratio is rather cheap when compared to the industry. WLN is cheaper than 90.20% of the companies in the same industry.
WLN is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 2.16, the valuation of WLN can be described as very cheap.
94.12% of the companies in the same industry are more expensive than WLN, based on the Price/Forward Earnings ratio.
WLN is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.42
Fwd PE 2.16
WLN.PA Price Earnings VS Forward Price EarningsWLN.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaply inside the industry as 86.27% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 92.16% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.27
EV/EBITDA 2.65
WLN.PA Per share dataWLN.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y9.48%
EPS Next 3Y7.74%

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0

5. Dividend

5.1 Amount

WLN does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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WORLDLINE SA

EPA:WLN (7/11/2025, 7:00:00 PM)

3.71

-0.1 (-2.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-23 2025-04-23
Earnings (Next)07-30 2025-07-30
Inst Owners59.47%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap1.05B
Analysts56.8
Price Target5.94 (60.11%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-5.58%
PT rev (3m)-22.41%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.04%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.12%
Valuation
Industry RankSector Rank
PE 2.42
Fwd PE 2.16
P/S 0.23
P/FCF 3.27
P/OCF 1.74
P/B 0.13
P/tB N/A
EV/EBITDA 2.65
EPS(TTM)1.53
EY41.24%
EPS(NY)1.72
Fwd EY46.34%
FCF(TTM)1.13
FCFY30.57%
OCF(TTM)2.13
OCFY57.33%
SpS16.33
BVpS29.08
TBVpS-10.41
PEG (NY)0.2
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.53%
ROE -3.6%
ROCE 3.43%
ROIC 2.47%
ROICexc 2.87%
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)2.59%
ROIC(5y)2.28%
ROICexc(3y)3%
ROICexc(5y)2.59%
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 RankSector 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 0.53
F-Score6
WACC3.34%
ROIC/WACC0.74
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 5Y2.39%
EBIT growth 1Y-11.26%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year31.92%
EBIT Next 3Y13.45%
EBIT Next 5Y8.35%
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%