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Worldline
(WLN)
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Rating:48Neutral
Price Target:
€12.00
▲(23.84% Upside)
Action:Reiterated
Date:08/04/26
The score is held down primarily by weak financial performance (sharp revenue decline, significant losses, and increased leverage), only partially offset by still-positive but weakening free cash flow. Technicals are a secondary positive with improving short-term momentum, though overbought readings and a sub-200DMA price limit conviction. Valuation is also a headwind given the negative P/E and lack of dividend yield data.
Positive Factors
Positive Cash Generation
Positive operating and free cash flow provides internal funding for technology investment, customer support and debt service. Although cash conversion weakened, ongoing cash generation offers resilience despite reported accounting losses.
Negative Factors
Revenue Contraction
Sustained revenue contraction signals weakening transaction activity, client economics, market position or pricing power. Lower scale can reduce operating leverage and constrain investment in the platform and competitive capabilities.
Read all positive and negative factors
Positive Factors
Negative Factors
Positive Cash Generation
Positive operating and free cash flow provides internal funding for technology investment, customer support and debt service. Although cash conversion weakened, ongoing cash generation offers resilience despite reported accounting losses.
Read all positive factors
Worldline (WLN) vs. iShares MSCI France ETF (EWQ)
Market Cap
€690.80M
Dividend YieldN/A
Average Volume (3M)3.04M
Price to Earnings (P/E)―
Beta (1Y)1.39
Revenue Growth-18.15%
EPS Growth77.92%
CountryFR
Employees14,528
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)-147.86
Shares Outstanding56,591,820
10 Day Avg. Volume4,015,964
30 Day Avg. Volume3,041,667
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.13
Price to Sales (P/S)0.11
P/FCF Ratio2.62
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€14.58Price Target Upside50.46% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)2.06
Revenue Forecast (FY)€3.69B
Worldline Business Overview & Revenue Model
Company Description
Worldline S.A. provides a comprehensive suite of payment and transactional services to a diverse clientele, including financial institutions, merchants, corporations, and government agencies. Its operational footprint extends across France, broade...
How the Company Makes Money
Worldline primarily makes money by charging fees for processing and enabling electronic payment transactions and by selling associated payment technology and services. Key revenue streams typically include: (1) Merchant acquiring and acceptance: f...
Worldline Financial Statement Overview
Summary
Income Statement
28
Negative
Balance Sheet
38
Negative
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.72B | 4.03B | 4.63B | 4.61B | 4.36B | 3.69B |
| Gross Profit | 2.04B | 1.66B | 2.61B | 2.52B | 1.92B | 1.33B |
| EBITDA | 462.50M | 731.20M | 396.00M | -276.00M | 831.50M | 743.50M |
| Net Income | -997.70M | -5.16B | -297.00M | -817.30M | 299.20M | -751.40M |
Balance Sheet | ||||||
| Total Assets | 13.11B | 13.15B | 19.42B | 21.73B | 21.86B | 20.04B |
| Cash, Cash Equivalents and Short-Term Investments | 1.95B | 941.60M | 1.80B | 1.95B | 1.92B | 1.14B |
| Total Debt | 3.01B | 3.12B | 4.03B | 4.05B | 4.13B | 4.56B |
| Total Liabilities | 8.60B | 9.10B | 10.20B | 12.17B | 11.32B | 10.13B |
| Stockholders Equity | 3.73B | 3.25B | 8.25B | 8.58B | 9.38B | 9.04B |
Cash Flow | ||||||
| Free Cash Flow | 30.20M | 166.50M | 321.60M | 458.90M | 724.10M | 727.50M |
| Operating Cash Flow | 264.50M | 414.80M | 603.10M | 791.80M | 1.05B | 953.10M |
| Investing Cash Flow | -13.40M | -380.00M | -245.80M | -212.40M | 28.00M | -537.70M |
| Financing Cash Flow | 83.70M | -457.20M | -585.20M | -415.80M | -606.60M | -416.40M |
Worldline Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
58 Neutral | €32.71M | 5.45 | 14.57% | ― | 0.65% | -20.10% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
49 Neutral | €29.65M | -0.30 | -47.32% | ― | -26.54% | 79.41% | |
48 Neutral | €690.80M | -0.08 | -142.62% | ― | -18.15% | 77.92% | |
44 Neutral | €165.60M | -180.00 | -10.02% | ― | 19.15% | 79.43% | |
43 Neutral | €2.65B | 465.24 | 19.17% | ― | 5.84% | -107.83% |
* General Sector Average
FR:WLN
Worldline
12.18
-18.73
-60.59%
FR:VMX
Verimatrix SA
0.35
0.14
69.08%
FR:ALHYP
Hipay Group SA
5.10
-5.00
-49.50%
FR:OVH
OVH Groupe SAS
16.50
6.43
63.85%
FR:ALLIX
Wallix Group SA
23.00
0.75
3.37%
FR:MLMFI
Condor Technologies N.V.
12.00
0.00
0.00%
Worldline Corporate Events
Worldline Sells Indian Payments Unit to BillDesk as It Refocuses on Core Markets
Aug 3, 2026
Worldline has completed the sale of its Indian payment activities to BillDesk for an equity value of around €60 million, while signing a long‑term technology and software agreement that lets BillDesk continue using Worldline’s pa...
Worldline Finalises Sale of ANZ Payment JV as It Refocuses on Core Operations
Jul 31, 2026
Worldline has completed the sale of its 51% stake in ANZ Worldline Payment Solutions in Australia to joint-venture partner ANZ, valuing the business at about €107 million on a 100% basis. The divested unit is a merchant acquiring provider to...
Worldline Publishes H1 2026 Results and Hosts Investor Call
Jul 30, 2026
Worldline has released its financial results for the first half of 2026, signaling a key update for investors on the company’s performance and outlook. To accompany the publication, the group’s general management is hosting an English-...
Worldline reports June 2026 share capital and voting rights
Jul 27, 2026
Worldline SA reported that its share capital comprised 56,591,820 shares as of June 30, 2026, each carrying a voting right, resulting in an equal number of exercisable voting rights. The company also disclosed 57,781,092 theoretical voting rights,...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.