WORLDLINE SA (WLN.PA) Stock Fundamental Analysis
EPA:WLN - Euronext Paris - Matif - FR0011981968 - Common Stock - Currency: EUR
Taking everything into account, WLN scores 3 out of 10 in our fundamental rating. WLN was compared to 50 industry peers in the Financial Services industry. WLN may be in some trouble as it scores bad on both profitability and health. WLN is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
WLN had negative 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's Return On Assets of -1.53% is on the low side compared to the rest of the industry. WLN is outperformed by 76.00% of its industry peers.
The Return On Equity of WLN (-3.60%) is worse than 76.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.47%, WLN is in line with its industry, outperforming 46.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for WLN is significantly below the industry average of 11.19%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.53% | ||
| ROE | -3.6% | ||
| ROIC | 2.47% |
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 (9.32%) which is in line with its industry peers.
In the last couple of years the Operating Margin of WLN has declined.
WLN has a Gross Margin of 86.94%. This is amongst the best in the industry. WLN outperforms 84.00% of its industry peers.
In the last couple of years the Gross Margin of WLN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.32% | ||
| PM (TTM) | N/A | ||
| GM | 86.94% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so WLN is destroying value.
Compared to 1 year ago, WLN has more shares outstanding
The number of shares outstanding for WLN has been increased compared to 5 years ago.
Compared to 1 year ago, WLN has a worse debt to assets ratio.
2.2 Solvency
WLN has an Altman-Z score of 0.59. 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 0.59 is on the low side compared to the rest of the industry. WLN is outperformed by 62.00% of its industry peers.
WLN has a debt to FCF ratio of 11.75. This is a negative value and a sign of low solvency as WLN would need 11.75 years to pay back of all of its debts.
WLN has a Debt to FCF ratio of 11.75. This is in the lower half of the industry: WLN underperforms 62.00% of its industry peers.
A Debt/Equity ratio of 0.37 indicates that WLN is not too dependend on debt financing.
WLN has a Debt to Equity ratio (0.37) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 11.75 | ||
| Altman-Z | 0.59 |
ROIC/WACC0.54
WACC4.57%
2.3 Liquidity
A Current Ratio of 1.05 indicates that WLN should not have too much problems paying its short term obligations.
WLN has a worse Current ratio (1.05) than 60.00% of its industry peers.
WLN has a Quick Ratio of 1.04. 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 Quick ratio (1.04) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 63.89% over the past year.
WLN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.
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)63.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%70.16%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-1.05%
3.2 Future
WLN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.77% yearly.
The Revenue is expected to grow by 6.78% on average over the next years.
EPS Next Y10.84%
EPS Next 2Y9.31%
EPS Next 3Y1.29%
EPS Next 5Y5.77%
Revenue Next Year1.59%
Revenue Next 2Y2.4%
Revenue Next 3Y3.09%
Revenue Next 5Y6.78%
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
The Price/Earnings Ratio is negative for WLN. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 3.70, 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 94.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. WLN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 3.7 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of WLN indicates a rather cheap valuation: WLN is cheaper than 86.00% of the companies listed in the same industry.
WLN's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. WLN is cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.39 | ||
| EV/EBITDA | 3.6 |
4.3 Compensation for Growth
WLN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.31%
EPS Next 3Y1.29%
5. Dividend
5.1 Amount
No dividends for WLN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:WLN (3/10/2025, 11:23:20 AM)
7.246
-0.05 (-0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners63.14%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap2.05B
Analysts66.4
Price Target8.02 (10.68%)
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)-10.01%
PT rev (3m)-11.87%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.33%
EPS NY rev (3m)-3.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.21%
Revenue NY rev (3m)-3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 3.7 | ||
| P/S | 0.44 | ||
| P/FCF | 6.39 | ||
| P/OCF | 3.41 | ||
| P/B | 0.25 | ||
| P/tB | N/A | ||
| EV/EBITDA | 3.6 |
EPS(TTM)-1.05
EYN/A
EPS(NY)1.96
Fwd EY26.99%
FCF(TTM)1.13
FCFY15.65%
OCF(TTM)2.13
OCFY29.35%
SpS16.33
BVpS29.08
TBVpS-10.41
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.53% | ||
| ROE | -3.6% | ||
| ROCE | 3.43% | ||
| ROIC | 2.47% | ||
| ROICexc | 2.87% | ||
| ROICexgc | N/A | ||
| OM | 9.32% | ||
| PM (TTM) | N/A | ||
| GM | 86.94% | ||
| FCFM | 6.94% |
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-Score6
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.37 | ||
| Debt/FCF | 11.75 | ||
| Debt/EBITDA | 2.92 | ||
| Cap/Depr | 46.12% | ||
| Cap/Sales | 6.08% | ||
| Interest Coverage | 33.73 | ||
| Cash Conversion | 57.88% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.04 | ||
| Altman-Z | 0.59 |
F-Score6
WACC4.57%
ROIC/WACC0.54
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)63.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%70.16%
EPS Next Y10.84%
EPS Next 2Y9.31%
EPS Next 3Y1.29%
EPS Next 5Y5.77%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y7.88%
Revenue growth 5Y14.23%
Sales Q2Q%-1.05%
Revenue Next Year1.59%
Revenue Next 2Y2.4%
Revenue Next 3Y3.09%
Revenue Next 5Y6.78%
EBIT growth 1Y-11.26%
EBIT growth 3Y-0.33%
EBIT growth 5Y4.6%
EBIT Next Year53.94%
EBIT Next 3Y17.35%
EBIT Next 5Y12.52%
FCF growth 1Y-29.92%
FCF growth 3Y-24.81%
FCF growth 5Y0.55%
OCF growth 1Y-23.83%
OCF growth 3Y-15%
OCF growth 5Y7.16%