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WORLDLINE SA (WLN.PA) Stock Fundamental Analysis

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

7.837  -0.09 (-1.12%)

Fundamental Rating

3

WLN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. WLN may be in some trouble as it scores bad on both profitability and health. WLN may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year WLN was profitable.
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.
Each year in the past 5 years WLN had a positive operating cash flow.
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 0 500M -500M 1B

1.2 Ratios

WLN has a worse Return On Assets (-3.76%) than 88.64% of its industry peers.
WLN has a Return On Equity of -9.53%. This is amonst the worse of the industry: WLN underperforms 86.36% of its industry peers.
WLN has a Return On Invested Capital of 2.65%. This is in the lower half of the industry: WLN underperforms 61.36% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for WLN is significantly below the industry average of 10.86%.
The 3 year average ROIC (2.44%) for WLN is below the current ROIC(2.65%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -3.76%
ROE -9.53%
ROIC 2.65%
ROA(3y)-2.05%
ROA(5y)-0.16%
ROE(3y)-4.88%
ROE(5y)-0.65%
ROIC(3y)2.44%
ROIC(5y)2.81%
WLN.PA Yearly ROA, ROE, ROICWLN.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10

1.3 Margins

WLN's Operating Margin of 10.55% is in line compared to the rest of the industry. WLN outperforms 43.18% of its industry peers.
WLN's Operating Margin has declined in the last couple of years.
WLN has a Gross Margin of 88.46%. This is amongst the best in the industry. WLN outperforms 88.64% of its industry peers.
In the last couple of years the Gross Margin of WLN has declined.
Industry RankSector Rank
OM 10.55%
PM (TTM) N/A
GM 88.46%
OM growth 3Y-6.92%
OM growth 5Y-6.73%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.27%
GM growth 5Y-2.17%
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 0 20 -20 40 60 80 100

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2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WLN is destroying value.
WLN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for WLN has been increased compared to 5 years ago.
Compared to 1 year ago, WLN has an improved debt to assets ratio.
WLN.PA Yearly Shares OutstandingWLN.PA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 5B 10B 15B 20B

2.2 Solvency

WLN has an Altman-Z score of 0.43. This is a bad value and indicates that WLN is not financially healthy and even has some risk of bankruptcy.
WLN has a worse Altman-Z score (0.43) than 81.82% of its industry peers.
WLN has a debt to FCF ratio of 8.83. This is a slightly negative value and a sign of low solvency as WLN would need 8.83 years to pay back of all of its debts.
With a Debt to FCF ratio value of 8.83, WLN is not doing good in the industry: 61.36% of the companies in the same industry are doing better.
WLN has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
WLN has a Debt to Equity ratio of 0.37. This is comparable to the rest of the industry: WLN outperforms 54.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 8.83
Altman-Z 0.43
ROIC/WACC0.73
WACC3.62%
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 2B 4B 6B 8B

2.3 Liquidity

A Current Ratio of 1.05 indicates that WLN should not have too much problems paying its short term obligations.
With a Current ratio value of 1.05, WLN is not doing good in the industry: 70.45% of the companies in the same industry are doing better.
WLN has a Quick Ratio of 1.04. This is a normal value and indicates that WLN is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.04, WLN is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
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 2B 4B 6B 8B

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4

3. Growth

3.1 Past

The earnings per share for WLN have decreased by -1.60% in the last year.
Measured over the past years, WLN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.56% on average per year.
The Revenue has been growing slightly by 1.54% in the past year.
The Revenue has been growing by 21.80% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-1.6%
EPS 3YN/A
EPS 5Y10.56%
EPS Q2Q%-11.9%
Revenue 1Y (TTM)1.54%
Revenue growth 3Y23.25%
Revenue growth 5Y21.8%
Sales Q2Q%2.09%

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 3.61% on average per year.
Based on estimates for the next years, WLN will show a small growth in Revenue. The Revenue will grow by 3.64% on average per year.
EPS Next Y-0.78%
EPS Next 2Y2.99%
EPS Next 3Y4.77%
EPS Next 5Y3.61%
Revenue Next Year-0.71%
Revenue Next 2Y1.14%
Revenue Next 3Y2.07%
Revenue Next 5Y3.64%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
WLN.PA Yearly Revenue VS EstimatesWLN.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B
WLN.PA Yearly EPS VS EstimatesWLN.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0.5 1 1.5 2

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7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 4.24, which 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 86.36% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.47, WLN is valued rather cheaply.
The Price/Forward Earnings ratio is 3.99, which indicates a rather cheap valuation of WLN.
Based on the Price/Forward Earnings ratio, WLN is valued cheaper than 95.45% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of WLN to the average of the S&P500 Index (92.74), we can say WLN is valued rather cheaply.
Industry RankSector Rank
PE 4.24
Fwd PE 3.99
WLN.PA Price Earnings VS Forward Price EarningsWLN.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

WLN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. WLN is cheaper than 86.36% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, WLN is valued cheaply inside the industry as 84.09% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.84
EV/EBITDA 1.86
WLN.PA Per share dataWLN.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y2.99%
EPS Next 3Y4.77%

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0

5. Dividend

5.1 Amount

No dividends for WLN!.
Industry RankSector Rank
Dividend Yield N/A

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WORLDLINE SA

EPA:WLN (2/5/2025, 10:29:31 AM)

7.837

-0.09 (-1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-30 2024-10-30
Earnings (Next)02-26 2025-02-26/amc
Inst Owners65.02%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap2.22B
Analysts66.4
Price Target8.92 (13.82%)
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)0.61%
PT rev (3m)-6.73%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.49%
EPS NY rev (3m)-1.49%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.63%
Revenue NY rev (3m)-1.63%
Valuation
Industry RankSector Rank
PE 4.24
Fwd PE 3.99
P/S 0.48
P/FCF 4.84
P/OCF 2.81
P/B 0.26
P/tB N/A
EV/EBITDA 1.86
EPS(TTM)1.85
EY23.61%
EPS(NY)1.96
Fwd EY25.04%
FCF(TTM)1.62
FCFY20.65%
OCF(TTM)2.79
OCFY35.63%
SpS16.26
BVpS30.24
TBVpS-10.25
PEG (NY)N/A
PEG (5Y)0.4
Profitability
Industry RankSector Rank
ROA -3.76%
ROE -9.53%
ROCE 3.66%
ROIC 2.65%
ROICexc 3.1%
ROICexgc 3788.82%
OM 10.55%
PM (TTM) N/A
GM 88.46%
FCFM 9.95%
ROA(3y)-2.05%
ROA(5y)-0.16%
ROE(3y)-4.88%
ROE(5y)-0.65%
ROIC(3y)2.44%
ROIC(5y)2.81%
ROICexc(3y)2.78%
ROICexc(5y)3.16%
ROICexgc(3y)1311.84%
ROICexgc(5y)N/A
ROCE(3y)3.36%
ROCE(5y)3.86%
ROICexcg growth 3YN/A
ROICexcg growth 5Y64.58%
ROICexc growth 3Y22.24%
ROICexc growth 5Y-7.26%
OM growth 3Y-6.92%
OM growth 5Y-6.73%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.27%
GM growth 5Y-2.17%
F-Score4
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 8.83
Debt/EBITDA 1.44
Cap/Depr 19.26%
Cap/Sales 7.22%
Interest Coverage 62.37
Cash Conversion 35.75%
Profit Quality N/A
Current Ratio 1.05
Quick Ratio 1.04
Altman-Z 0.43
F-Score4
WACC3.62%
ROIC/WACC0.73
Cap/Depr(3y)45.79%
Cap/Depr(5y)48.63%
Cap/Sales(3y)6.93%
Cap/Sales(5y)6.37%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1.6%
EPS 3YN/A
EPS 5Y10.56%
EPS Q2Q%-11.9%
EPS Next Y-0.78%
EPS Next 2Y2.99%
EPS Next 3Y4.77%
EPS Next 5Y3.61%
Revenue 1Y (TTM)1.54%
Revenue growth 3Y23.25%
Revenue growth 5Y21.8%
Sales Q2Q%2.09%
Revenue Next Year-0.71%
Revenue Next 2Y1.14%
Revenue Next 3Y2.07%
Revenue Next 5Y3.64%
EBIT growth 1Y-8.5%
EBIT growth 3Y14.72%
EBIT growth 5Y13.6%
EBIT Next Year35.48%
EBIT Next 3Y15.62%
EBIT Next 5Y11.04%
FCF growth 1Y-38.4%
FCF growth 3Y8.83%
FCF growth 5Y17.16%
OCF growth 1Y-25.99%
OCF growth 3Y15.69%
OCF growth 5Y20.36%