Worldline (WLN) AI Stock Analysis

• Market Cap: €585.30M
• Dividend Yield: N/A
• Average Volume (3M): 3.04M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.30
• Revenue Growth: -2.35%
• EPS Growth: -387.75%
• Country: FR
• Employees: 18,112
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): -0.55
• Shares Outstanding: 2,262,760,000
• 10 Day Avg. Volume: 4,015,964
• 30 Day Avg. Volume: 3,041,667
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.13
• Price to Sales (P/S): 0.11
• P/FCF Ratio: 2.62
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €1.53
• Price Target Upside: 15.91% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 6
• EPS Forecast (FY): 0.18
• Revenue Forecast (FY): €4.21B

• Rating: 42 Neutral
• Price Target: €0.25 ▼(-80.91% Downside)
• Action: Reiterated Date: 03/28/26
• Date: Action: Reiterated 03/28/26

The score is driven primarily by weak financial performance (sharp revenue decline, very large net loss, and higher leverage despite still-positive but weakening free cash flow). Technicals also weigh heavily, with price below all key moving averages and negative momentum indicators. Valuation provides limited support because losses make the P/E less meaningful and no dividend yield is available.

Positive Factors

Diversified Payments Business Model

Worldline's product breadth across merchant acquiring, issuer processing, terminals, and value-added services creates multiple, complementary revenue streams. This diversification supports resilience to single-market shocks, sustains recurring fee income from contracts, and enables cross-sell of higher-margin services over time.

Negative Factors

Sharp Revenue Decline

A steep revenue drop signals weakening underlying transaction volumes or loss of business, which undermines recurring fee bases. Sustained or repeat declines would erode economies of scale, reduce pricing power, and pressure margins and reinvestment capacity over the medium term.

Worldline Business Overview & Revenue Model

Company Description

Worldline SA provides payments and transactional services to financial institutions, merchants, corporations, and government agencies in France, rest of Europe, and internationally. The company operates through Merchant Services; Financial Service...

Read more

Worldline SA provides payments and transactional services to financial institutions, merchants, corporations, and government agencies in France, rest of Europe, and internationally. The company operates through Merchant Services; Financial Service...

How the Company Makes Money

Worldline primarily generates revenue by charging fees for processing and enabling electronic payment transactions and by selling/servicing the technology required to accept and manage those payments. Key revenue streams typically include: (1) Mer...

Read more

Worldline primarily generates revenue by charging fees for processing and enabling electronic payment transactions and by selling/servicing the technology required to accept and manage those payments. Key revenue streams typically include: (1) Mer...

Worldline Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.03B	4.63B	4.61B	4.36B	3.69B
Gross Profit	1.66B	2.61B	2.52B	1.92B	1.33B
EBITDA	731.20M	396.00M	-276.00M	831.50M	743.50M
Net Income	-5.16B	-297.00M	-817.30M	299.20M	-751.40M
Balance Sheet
Total Assets	13.15B	19.42B	21.73B	21.86B	20.04B
Cash, Cash Equivalents and Short-Term Investments	941.60M	1.80B	1.95B	1.92B	1.14B
Total Debt	3.12B	4.03B	4.05B	4.13B	4.56B
Total Liabilities	9.10B	10.20B	12.17B	11.32B	10.13B
Stockholders Equity	3.25B	8.25B	8.58B	9.38B	9.04B
Cash Flow
Free Cash Flow	166.50M	321.60M	458.90M	724.10M	727.50M
Operating Cash Flow	414.80M	603.10M	791.80M	1.05B	953.10M
Investing Cash Flow	-380.00M	-245.80M	-212.40M	28.00M	-537.70M
Financing Cash Flow	-457.20M	-585.20M	-415.80M	-606.60M	-416.40M

Worldline Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.32
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:WLN, the sentiment is Negative. The current price of 1.32 is above the 20-day moving average (MA) of 0.35, above the 50-day MA of 0.36, and above the 200-day MA of 0.59, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 33.26 is Neutral, neither overbought nor oversold. The STOCH value of 6.75 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:WLN.

Worldline Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
ALHYP	60 Neutral	€29.36M	36.28	3.43%	―	9.77%	-86.18%
OVH	55 Neutral	€1.34B	4,214.00	4.45%	―	9.22%	90.39%
WLN	42 Neutral	€585.30M	-0.08	-142.62%	―	-2.35%	-387.75%