WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
Europe - EPA:WLN - FR0011981968 - Common Stock
2.563 EUR
+0.14 (+5.6%)
Overall WLN gets a fundamental rating of 3 out of 10. We evaluated WLN against 50 industry peers in the Financial Services industry. WLN has a bad profitability rating. Also its financial health evaluation is rather negative. WLN has a bad growth rate and is valued cheaply.
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.
In the past 5 years WLN always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of WLN (-28.16%) is worse than 84.00% of its industry peers.
WLN's Return On Equity of -112.71% is on the low side compared to the rest of the industry. WLN is outperformed by 82.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.43%, WLN is in line with its industry, outperforming 50.00% of the companies in the same 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 8.73%.
| 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
WLN has a Operating Margin (6.39%) which is in line with its industry peers.
WLN's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 84.73%, WLN belongs to the top of the industry, outperforming 82.00% of the companies in the same industry.
WLN's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.39% | ||
| 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.
WLN has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, WLN has more shares outstanding
The debt/assets ratio for WLN is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.25, we must say that WLN is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.25, WLN is not doing good in the industry: 74.00% of the companies in the same industry are doing better.
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.
Looking at the Debt to FCF ratio, with a value of 13.47, WLN is in line with its industry, outperforming 44.00% of the companies in the same industry.
WLN has a Debt/Equity ratio of 0.83. This is a neutral value indicating WLN is somewhat dependend on debt financing.
The Debt to Equity ratio of WLN (0.83) is worse than 64.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.83 | ||
| Debt/FCF | 13.47 | ||
| Altman-Z | 0.25 |
ROIC/WACC0.98
WACC2.47%
2.3 Liquidity
A Current Ratio of 1.06 indicates that WLN should not have too much problems paying its short term obligations.
WLN has a worse Current ratio (1.06) than 66.00% 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.
The Quick ratio of WLN (1.06) is worse than 64.00% 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
Based on estimates for the next years, WLN will show a decrease in Earnings Per Share. The EPS will decrease by -6.71% on average per year.
The Revenue is expected to grow by 0.57% on average over the next years.
EPS Next Y-36.77%
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
EPS Next 5Y-6.71%
Revenue Next Year-1.72%
Revenue Next 2Y-1.01%
Revenue Next 3Y-0.03%
Revenue Next 5Y0.57%
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
With a Price/Earnings ratio of 2.10, the valuation of WLN can be described as very cheap.
WLN's Price/Earnings ratio is rather cheap when compared to the industry. WLN is cheaper than 96.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.83. WLN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 2.26, which indicates a rather cheap valuation of WLN.
Based on the Price/Forward Earnings ratio, WLN is valued cheaper than 96.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of WLN to the average of the S&P500 Index (22.82), we can say WLN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.1 | ||
| Fwd PE | 2.26 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, WLN is valued cheaper than 90.00% of the companies in the same industry.
92.00% of the companies in the same industry are more expensive than WLN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.47 | ||
| EV/EBITDA | 0.5 |
4.3 Compensation for Growth
A cheap valuation may be justified as WLN's earnings are expected to decrease with -5.78% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
5. Dividend
5.1 Amount
No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (10/24/2025, 5:29:54 PM)
2.563
+0.14 (+5.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners62.78%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap726.79M
Revenue(TTM)4.55B
Net Income(TTM)-4485900000
Analysts54.78
Price Target3.85 (50.21%)
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)-3.82%
PT rev (3m)-19.38%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-19.51%
EPS NY rev (3m)-43.73%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.39%
Revenue NY rev (3m)-2.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.1 | ||
| Fwd PE | 2.26 | ||
| P/S | 0.16 | ||
| P/FCF | 2.47 | ||
| P/OCF | 1.32 | ||
| P/B | 0.18 | ||
| P/tB | N/A | ||
| EV/EBITDA | 0.5 |
EPS(TTM)1.22
EY47.6%
EPS(NY)1.14
Fwd EY44.29%
FCF(TTM)1.04
FCFY40.56%
OCF(TTM)1.94
OCFY75.84%
SpS16.04
BVpS14.03
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 | 3.09% | ||
| 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%
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 | 13.47 | ||
| 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
WACC2.47%
ROIC/WACC0.98
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-36.77%
EPS Next 2Y-13.87%
EPS Next 3Y-5.78%
EPS Next 5Y-6.71%
Revenue 1Y (TTM)-2.35%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-3.67%
Revenue Next Year-1.72%
Revenue Next 2Y-1.01%
Revenue Next 3Y-0.03%
Revenue Next 5Y0.57%
EBIT growth 1Y-40.96%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year12.02%
EBIT Next 3Y7.79%
EBIT Next 5Y2.3%
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%
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 2.1 and the Price/Book (PB) ratio is 0.18.
What is the financial health of WORLDLINE SA (WLN.PA) stock?
The financial health rating of WORLDLINE SA (WLN.PA) is 2 / 10.