WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:WLN - FR0011981968 - Common Stock
1.6105 EUR
+0.03 (+1.58%)
Overall WLN gets a fundamental rating of 3 out of 10. We evaluated WLN against 59 industry peers in the Financial Services industry. Both the profitability and financial health of WLN have multiple concerns. WLN has a bad growth rate and is valued cheaply.
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.
In multiple years WLN reported negative net income over the last 5 years.
Each year in the past 5 years WLN had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of -28.16%, WLN is not doing good in the industry: 86.44% of the companies in the same industry are doing better.
WLN has a worse Return On Equity (-112.71%) than 83.05% of its industry peers.
WLN has a Return On Invested Capital (2.43%) which is comparable to the rest of the industry.
WLN had an Average Return On Invested Capital over the past 3 years of 2.59%. This is significantly below the industry average of 9.75%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROIC | 2.43% |
ROA(3y)-1.31%
ROA(5y)-1.37%
ROE(3y)-3.31%
ROE(5y)-3.3%
ROIC(3y)2.59%
ROIC(5y)2.28%
1.3 Margins
Looking at the Operating Margin, with a value of 6.40%, WLN is doing worse than 61.02% of the companies in the same industry.
In the last couple of years the Operating Margin of WLN has declined.
Looking at the Gross Margin, with a value of 84.73%, WLN belongs to the top of the industry, outperforming 83.05% of the companies in the same industry.
WLN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.4% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% |
OM growth 3Y-7.59%
OM growth 5Y-8.42%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.13%
GM growth 5Y-1.58%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), WLN is creating some 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.
WLN has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.24, we must say that WLN is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.24, WLN is not doing good in the industry: 67.80% 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 (13.46) which 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.
Looking at the Debt to Equity ratio, with a value of 0.83, WLN is in line with its industry, outperforming 40.68% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Altman-Z | 0.24 |
ROIC/WACC1.36
WACC1.79%
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's Current ratio of 1.06 is on the low side compared to the rest of the industry. WLN is outperformed by 62.71% of 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 worse Quick ratio (1.06) than 61.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 |
3. Growth
3.1 Past
The earnings per share for WLN have decreased strongly by -30.29% in the last year.
WLN shows a decrease in Revenue. In the last year, the revenue decreased by -2.35%.
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)-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 -5.97% on average over the next years.
The Revenue is expected to grow by 0.09% on average over the next years.
EPS Next Y-47.13%
EPS Next 2Y-26.56%
EPS Next 3Y-13.84%
EPS Next 5Y-5.97%
Revenue Next Year-1.77%
Revenue Next 2Y-2.47%
Revenue Next 3Y-1.24%
Revenue Next 5Y0.09%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 1.32 indicates a rather cheap valuation of WLN.
94.92% of the companies in the same industry are more expensive than WLN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of WLN to the average of the S&P500 Index (26.59), we can say WLN is valued rather cheaply.
The Price/Forward Earnings ratio is 1.95, which indicates a rather cheap valuation of WLN.
96.61% of the companies in the same industry are more expensive than WLN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.03. WLN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.32 | ||
| Fwd PE | 1.95 |
4.2 Price Multiples
93.22% of the companies in the same industry are more expensive than WLN, based on the Enterprise Value to EBITDA ratio.
WLN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WLN is cheaper than 94.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.55 | ||
| EV/EBITDA | 0.45 |
4.3 Compensation for Growth
WLN's earnings are expected to decrease with -13.84% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-26.56%
EPS Next 3Y-13.84%
5. Dividend
5.1 Amount
WLN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:WLN (12/24/2025, 7:00:00 PM)
1.6105
+0.03 (+1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners64.25%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap456.69M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts51.43
Price TargetN/A
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)-27.65%
PT rev (3m)-41.99%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-2.38%
EPS NY rev (3m)-32.69%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.32 | ||
| Fwd PE | 1.95 | ||
| P/S | 0.1 | ||
| P/FCF | 1.55 | ||
| P/OCF | 0.83 | ||
| P/B | 0.11 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.45 |
EPS(TTM)1.22
EY75.75%
EPS(NY)0.83
Fwd EY51.24%
FCF(TTM)1.04
FCFY64.6%
OCF(TTM)1.95
OCFY120.87%
SpS16.04
BVpS14.04
TBVpS-11.15
PEG (NY)N/A
PEG (5Y)N/A
Graham Number19.63
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROCE | 3.42% | ||
| ROIC | 2.43% | ||
| 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)-3.3%
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 3Y8.74%
ROICexc growth 5Y-13.11%
OM growth 3Y-7.59%
OM growth 5Y-8.42%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 5.49% | ||
| Cap/Sales | 5.65% | ||
| Interest Coverage | 19.02 | ||
| Cash Conversion | 11.09% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 0.24 |
F-Score5
WACC1.79%
ROIC/WACC1.36
Cap/Depr(3y)43.74%
Cap/Depr(5y)47.46%
Cap/Sales(3y)6.92%
Cap/Sales(5y)6.64%
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-47.13%
EPS Next 2Y-26.56%
EPS Next 3Y-13.84%
EPS Next 5Y-5.97%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.77%
Revenue Next 2Y-2.47%
Revenue Next 3Y-1.24%
Revenue Next 5Y0.09%
EBIT growth 1Y-40.9%
EBIT growth 3Y-0.31%
EBIT growth 5Y4.61%
EBIT Next Year9.17%
EBIT Next 3Y4.34%
EBIT Next 5Y2.41%
FCF growth 1Y-57.78%
FCF growth 3Y-24.86%
FCF growth 5Y0.51%
OCF growth 1Y-47.81%
OCF growth 3Y-15.01%
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.
Can you provide the valuation status for WORLDLINE SA?
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.
What are the PE and PB ratios of WORLDLINE SA (WLN.PA) stock?
The Price/Earnings (PE) ratio for WORLDLINE SA (WLN.PA) is 1.32 and the Price/Book (PB) ratio is 0.11.
What is the financial health of WORLDLINE SA (WLN.PA) stock?
The financial health rating of WORLDLINE SA (WLN.PA) is 2 / 10.