WORLDLINE SA (WLN.PA) Stock Fundamental Analysis

EPA:WLN • FR0011981968

1.5645 EUR
-0.07 (-4.02%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall WLN gets a fundamental rating of 3 out of 10. We evaluated WLN against 56 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.


Dividend Valuation Growth Profitability Health

3

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.
  • The reported net income has been mixed in the past 5 years: WLN reported negative net income in multiple years.
  • WLN had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

  • With a Return On Assets value of -28.16%, WLN is not doing good in the industry: 83.93% of the companies in the same industry are doing better.
  • WLN's Return On Equity of -112.71% is on the low side compared to the rest of the industry. WLN is outperformed by 80.36% of its industry peers.
  • The Return On Invested Capital of WLN (2.44%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for WLN is significantly below the industry average of 8.48%.
Industry RankSector Rank
ROA -28.16%
ROE -112.71%
ROIC 2.44%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

  • WLN has a Operating Margin (6.40%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of WLN has declined.
  • The Gross Margin of WLN (84.73%) is better than 83.93% of its industry peers.
  • WLN's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 6.4%
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%
WLN.PA Yearly Profit, Operating, Gross MarginsWLN.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60 80 100

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • WLN has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, WLN has more shares outstanding
  • Compared to 1 year ago, WLN has a worse debt to assets ratio.
WLN.PA Yearly Shares OutstandingWLN.PA Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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: 60.71% of the companies in the same industry are doing better.
  • WLN has a debt to FCF ratio of 13.46. This is a negative value and a sign of low solvency as WLN would need 13.46 years to pay back of all of its debts.
  • WLN has a Debt to FCF ratio of 13.46. This is comparable to the rest of the industry: WLN outperforms 51.79% 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.
  • With a Debt to Equity ratio value of 0.83, WLN is not doing good in the industry: 60.71% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.83
Debt/FCF 13.46
Altman-Z 0.24
ROIC/WACC1.38
WACC1.76%
WLN.PA Yearly LT Debt VS Equity VS FCFWLN.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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.
  • WLN has a Current ratio (1.06) which is comparable to the rest of the industry.
  • 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's Quick ratio of 1.06 is in line compared to the rest of the industry. WLN outperforms 46.43% of its industry peers.
Industry RankSector Rank
Current Ratio 1.06
Quick Ratio 1.06
WLN.PA Yearly Current Assets VS Current LiabilitesWLN.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. Growth

3.1 Past

  • The earnings per share for WLN have decreased strongly by -30.29% in the last year.
  • The Revenue has decreased by -2.35% in the past year.
  • WLN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.23% yearly.
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 -6.60% on average over the next years.
  • WLN is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.58% yearly.
EPS Next Y-47.21%
EPS Next 2Y-28.86%
EPS Next 3Y-16.11%
EPS Next 5Y-6.6%
Revenue Next Year-1.79%
Revenue Next 2Y-3.25%
Revenue Next 3Y-1.84%
Revenue Next 5Y-0.58%

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

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.28, which indicates a rather cheap valuation of WLN.
  • 96.43% of the companies in the same industry are more expensive than WLN, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.10, WLN is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 2.02, the valuation of WLN can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, WLN is valued cheaply inside the industry as 96.43% of the companies are valued more expensively.
  • WLN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 1.28
Fwd PE 2.02
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 94.64% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, WLN is valued cheaply inside the industry as 96.43% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.51
EV/EBITDA 0.45
WLN.PA Per share dataWLN.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 15

4.3 Compensation for Growth

  • A cheap valuation may be justified as WLN's earnings are expected to decrease with -16.11% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-28.86%
EPS Next 3Y-16.11%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • WLN does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

WORLDLINE SA

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)10-21
Earnings (Next)02-25
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 RankSector 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)-2.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.07%
Valuation
Industry RankSector 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 RankSector 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)-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%
ROICexgc growth 3YN/A
ROICexgc 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 RankSector 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)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-47.21%
EPS Next 2Y-28.86%
EPS Next 3Y-16.11%
EPS Next 5Y-6.6%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.79%
Revenue Next 2Y-3.25%
Revenue Next 3Y-1.84%
Revenue Next 5Y-0.58%
EBIT growth 1Y-40.86%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year9.24%
EBIT Next 3Y3.6%
EBIT Next 5Y2.19%
FCF growth 1Y-57.78%
FCF growth 3Y-24.81%
FCF growth 5Y0.55%
OCF growth 1Y-47.86%
OCF growth 3Y-15%
OCF growth 5Y7.16%

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 3 / 10.


Can you provide the financial health for WLN stock?

The financial health rating of WORLDLINE SA (WLN.PA) is 2 / 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 -47.21% in the next year.