WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - EPA:WLN - FR0011981968 - Common Stock
2.631 EUR
+0 (+0.15%)
Overall WLN gets a fundamental rating of 3 out of 10. We evaluated WLN against 46 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.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of -28.16%, WLN is doing worse than 89.13% of the companies in the same industry.
WLN's Return On Equity of -112.71% is on the low side compared to the rest of the industry. WLN is outperformed by 86.96% 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 10.06%.
| 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)-3.31%
ROIC(3y)2.59%
ROIC(5y)2.28%
1.3 Margins
Looking at the Operating Margin, with a value of 6.39%, WLN is doing worse than 65.22% of the companies in the same industry.
WLN's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 84.73%, WLN is in the better half of the industry, outperforming 78.26% of the companies in the same industry.
In the last couple of years the Gross Margin of WLN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.39% | ||
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), WLN 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
WLN has an Altman-Z score of 0.25. 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 0.25 is on the low side compared to the rest of the industry. WLN is outperformed by 73.91% of its industry peers.
WLN has a debt to FCF ratio of 13.47. This is a negative value and a sign of low solvency as WLN would need 13.47 years to pay back of all of its debts.
WLN has a Debt to FCF ratio (13.47) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.83 indicates that WLN is somewhat dependend on debt financing.
WLN's Debt to Equity ratio of 0.83 is on the low side compared to the rest of the industry. WLN is outperformed by 65.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.94
WACC2.58%
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 60.87% of its industry peers.
A Quick Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.06, WLN is not doing good in the industry: 60.87% of the companies in the same industry are doing better.
| 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.
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
WLN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.63% yearly.
WLN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.65% yearly.
EPS Next Y-21.45%
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
EPS Next 5Y-6.63%
Revenue Next Year-1.34%
Revenue Next 2Y-0.6%
Revenue Next 3Y0.37%
Revenue Next 5Y0.65%
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 2.16.
Compared to the rest of the industry, the Price/Earnings ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 91.30% of the companies listed in the same industry.
WLN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
The Price/Forward Earnings ratio is 2.04, which indicates a rather cheap valuation of WLN.
WLN's Price/Forward Earnings ratio is rather cheap when compared to the industry. WLN is cheaper than 95.65% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of WLN to the average of the S&P500 Index (22.71), we can say WLN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.16 | ||
| Fwd PE | 2.04 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaper than 91.30% of the companies in the same industry.
WLN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WLN is cheaper than 91.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.53 | ||
| EV/EBITDA | 0.51 |
4.3 Compensation for Growth
WLN's earnings are expected to decrease with -2.14% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
5. Dividend
5.1 Amount
WLN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (9/17/2025, 5:29:43 PM)
2.631
+0 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners59.47%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap746.07M
Analysts54.78
Price Target4 (52.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)-2.79%
PT rev (3m)-33.94%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-30.1%
EPS NY rev (3m)-30.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.02%
Revenue NY rev (3m)-1.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.16 | ||
| Fwd PE | 2.04 | ||
| P/S | 0.16 | ||
| P/FCF | 2.53 | ||
| P/OCF | 1.35 | ||
| P/B | 0.19 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.51 |
EPS(TTM)1.22
EY46.37%
EPS(NY)1.29
Fwd EY49%
FCF(TTM)1.04
FCFY39.51%
OCF(TTM)1.94
OCFY73.88%
SpS16.04
BVpS14.03
TBVpS-11.15
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -28.16% | ||
| ROE | -112.71% | ||
| ROCE | 3.42% | ||
| ROIC | 2.43% | ||
| ROICexc | 3.09% | ||
| ROICexgc | N/A | ||
| OM | 6.39% | ||
| PM (TTM) | N/A | ||
| GM | 84.73% | ||
| FCFM | 6.48% |
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-Score5
Asset Turnover0.29
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Debt/EBITDA | 0.66 | ||
| Cap/Depr | 5.47% | ||
| Cap/Sales | 5.64% | ||
| Interest Coverage | 19.25 | ||
| Cash Conversion | 11.08% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 0.25 |
F-Score5
WACC2.58%
ROIC/WACC0.94
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-21.45%
EPS Next 2Y-8.2%
EPS Next 3Y-2.14%
EPS Next 5Y-6.63%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.34%
Revenue Next 2Y-0.6%
Revenue Next 3Y0.37%
Revenue Next 5Y0.65%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year31.92%
EBIT Next 3Y13.45%
EBIT Next 5Y5.08%
FCF growth 1Y-57.81%
FCF growth 3Y-24.81%
FCF growth 5Y0.55%
OCF growth 1Y-47.89%
OCF growth 3Y-15%
OCF growth 5Y7.16%