WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
EPA:WLN • FR0011981968
1.568 EUR
-0.06 (-3.8%)
Last: Feb 27, 2026, 12:43 PM
We assign a fundamental rating of 3 out of 10 to WLN. WLN was compared to 56 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
- WLN had positive earnings in the past year.
- In the past year WLN had a positive cash flow from operations.
- 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
- WLN has a worse Return On Assets (-28.16%) than 83.93% of its industry peers.
- With a Return On Equity value of -112.71%, WLN is not doing good in the industry: 80.36% of the companies in the same industry are doing better.
- WLN has a Return On Invested Capital (2.44%) which is in line with its industry peers.
- The Average Return On Invested Capital over the past 3 years for WLN is significantly below the industry average of 8.48%.
| Industry Rank | Sector 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%
1.3 Margins
- WLN has a Operating Margin (6.40%) which is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of WLN has declined.
- WLN's Gross Margin of 84.73% is amongst the best of the industry. WLN outperforms 83.93% of its industry peers.
- 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-7.61%
OM growth 5Y-8.43%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.13%
GM growth 5Y-1.58%
2. Health
2.1 Basic Checks
- WLN has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- Compared to 1 year ago, WLN has more shares outstanding
- WLN has more shares outstanding than it did 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.
- Looking at the Altman-Z score, with a value of 0.24, WLN is doing worse than 60.71% of the companies in the same industry.
- 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 in line with 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.
- Looking at the Debt to Equity ratio, with a value of 0.83, WLN is doing worse than 60.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.46 | ||
| Altman-Z | 0.24 |
ROIC/WACC1.34
WACC1.82%
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 of 1.06. This is comparable to the rest of the industry: WLN outperforms 46.43% of its industry peers.
- A Quick Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
- WLN has a Quick ratio of 1.06. This is comparable to the rest of the industry: WLN outperforms 46.43% 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%.
- 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
- WLN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.60% yearly.
- 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
- 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
- WLN is valuated cheaply with a Price/Earnings ratio of 1.29.
- Based on the Price/Earnings ratio, WLN is valued cheaper than 96.43% of the companies in the same industry.
- WLN is valuated cheaply when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 2.03 indicates a rather cheap valuation of WLN.
- 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 28.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.29 | ||
| Fwd PE | 2.03 |
4.2 Price Multiples
- WLN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. WLN is cheaper than 94.64% of the companies in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.51 | ||
| EV/EBITDA | 0.45 |
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%
5. Dividend
5.1 Amount
- No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:WLN (2/27/2026, 12:43:12 PM)
1.568
-0.06 (-3.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-21 2025-10-21
Earnings (Next)02-25 2026-02-25/amc
Inst Owners64.9%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap445.25M
Revenue(TTM)4.55B
Net Income(TTM)-4.49B
Analysts54.29
Price Target2.21 (40.94%)
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)-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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 1.29 | ||
| Fwd PE | 2.03 | ||
| 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
EY77.81%
EPS(NY)0.77
Fwd EY49.38%
FCF(TTM)1.04
FCFY66.26%
OCF(TTM)1.94
OCFY123.86%
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)-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 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
WACC1.82%
ROIC/WACC1.34
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.