Worldline (WRDLY)
OTHER OTC:WRDLY
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Worldline
(OTC:WRDLY)
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Rating:44Neutral
Price Target:
$0.49
▼(-40.24% Downside)
Action:ReiteratedDate:04/02/26
The score is held back primarily by weak financial performance (sharp revenue decline, very large net loss, and weaker equity/leverage profile) and a strongly bearish technical trend (price well below key moving averages with negative momentum). The earnings call adds some support via a defined stabilization and balance-sheet strengthening plan, but guidance still points to near-term cash burn. Valuation provides limited support given negative earnings and no dividend yield provided.
Positive Factors
Recurring, diversified payments revenue
Worldline’s core business is transaction-driven and recurring: merchant acquiring, issuer processing and e-transaction platforms generate fee-based, usage-linked revenue across merchants, banks and public clients. This diversified, volume-linked model supports predictable cash conversion and resilience to single-market shocks over a multi-quarter horizon.
Negative Factors
Sharp revenue decline and volatile profitability
A marked top-line decline and swing to a very large net loss undermine margin sustainability and the company’s ability to absorb fixed-costs during transformation. Persistent revenue weakness reduces free cash flow headroom, complicates recovery timelines and raises execution risk for medium-term growth targets.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring, diversified payments revenue
Worldline’s core business is transaction-driven and recurring: merchant acquiring, issuer processing and e-transaction platforms generate fee-based, usage-linked revenue across merchants, banks and public clients. This diversified, volume-linked model supports predictable cash conversion and resilience to single-market shocks over a multi-quarter horizon.
Read all positive factors
Worldline (WRDLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$658.79M
Dividend YieldN/A
Average Volume (3M)7.33K
Price to Earnings (P/E)―
Beta (1Y)0.57
Revenue Growth-1.81%
EPS Growth-392.27%
CountryUS
Employees18,112
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)-1.26
Shares Outstanding646,502,870
10 Day Avg. Volume10,128
30 Day Avg. Volume7,327
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.13
Price to Sales (P/S)0.11
P/FCF Ratio2.69
Enterprise Value/Market Cap3.48
Enterprise Value/Revenue0.57
Enterprise Value/Gross Profit1.06
Enterprise Value/Ebitda3.31
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.3
Revenue Forecast (FY)$4.66B
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...
How the Company Makes Money
Worldline primarily makes money by charging fees for processing and enabling digital payment transactions and by providing recurring technology and operations services to merchants, financial institutions, and enterprises/public entities. Key reve...
Worldline Earnings Call Summary
Earnings Call Date:Feb 25, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
Earnings Call Sentiment Neutral
The call conveyed a balanced picture: management met its committed 2025 financial guidance, made tangible progress on transformation (North Star), recorded operational wins (record transaction volumes, stable NPS, improved SMB churn) and advanced a significant pruning program and planned EUR 500m capital increase to strengthen the balance sheet. Offsetting these positives are meaningful near-term challenges — FY2025 organic revenue decline (~-2.4%), negative free cash flow, substantial non-cash goodwill and related impairments (several billion euros), continued pressure in Financial Services and certain geographies, and expected negative free cash flow in 2026 before benefits from transformation materialize. Overall, the company appears stabilized and executing a clear recovery plan, but material legacy impairments, cash/leveraging considerations and remediation costs mean the near-term picture remains mixed.Positive Updates
Met Full-Year Financial Guidance
Reported pre-IFRS5 revenue of EUR 4.5 billion for FY2025 with an organic decline of -2.4%, and adjusted EBITDA of EUR 841 million (18.7% margin) — within the guidance range of EUR 830–855 million.
Negative Updates
Revenue Decline and Segment Weakness
Organic revenue declined -2.4% in FY2025 (pre-IFRS5). On the published scope, Merchant Services declined -1.4% and Financial Services declined -7.7%, reflecting adverse mix and contract terminations in Financial Services.
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Q4-2025 Updates
Positive
Negative
Met Full-Year Financial Guidance
Reported pre-IFRS5 revenue of EUR 4.5 billion for FY2025 with an organic decline of -2.4%, and adjusted EBITDA of EUR 841 million (18.7% margin) — within the guidance range of EUR 830–855 million.
Read all positive updates
Company Guidance
The company guided that 2026 will be a year of stabilization with a fully pruned perimeter expecting low single‑digit organic revenue growth, free cash flow of roughly -€80m to -€70m and a target reported leverage of less than 2x; management presented a post‑pruned 2025 baseline of €3.57bn sales, €631m adjusted EBITDA and €72m free cash (reported leverage ~2.5x) and reiterated the 2025 reported results of €4.5bn revenue (‑2.4% organic), €841m adjusted EBITDA (18.7% margin) and €‑9m free cash flow, cash on hand ~€1.1bn (continuing ops ~€900m), net debt ~€2.1–2.2bn, and normalized net income €175m (EPS €0.063); strategic actions include a planned €500m capital increase (reserve + rights issue), announced/pruned disposals expected to generate roughly €540–600m of proceeds, an undrawn RCF of €1.125bn, upcoming 2026 maturities (notably a €414m convertible), and longer‑term targets of ~4% CAGR to 2030 with adjusted EBITDA ~€1bn (or >€900m on the fully pruned scope) and €300–350m cash conversion (30–35%).Worldline Financial Statement Overview
Summary
Income Statement
28
Negative
Balance Sheet
52
Neutral
Cash Flow
43
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 3.87B | 4.63B | 4.61B | 4.36B | 3.69B |
| Gross Profit | 1.59B | 2.61B | 2.52B | 1.92B | 1.33B |
| EBITDA | 702.34M | 372.00M | -276.00M | 831.50M | 743.50M |
| Net Income | -4.95B | -297.00M | -817.30M | 299.20M | -751.40M |
Balance Sheet | |||||
| Total Assets | 13.14B | 19.42B | 21.73B | 21.86B | 20.04B |
| Cash, Cash Equivalents and Short-Term Investments | 941.20M | 1.80B | 1.95B | 1.92B | 1.13B |
| 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 | 159.93M | 321.60M | 458.90M | 724.10M | 727.50M |
| Operating Cash Flow | 398.43M | 603.10M | 791.80M | 1.05B | 953.10M |
| Investing Cash Flow | -365.00M | -245.80M | -212.40M | 29.50M | -537.70M |
| Financing Cash Flow | -439.16M | -585.20M | -415.80M | -606.60M | -416.40M |
Worldline Technical Analysis
Negative
0.82
Price Trends
0.72
Negative
0.79
Negative
1.23
Negative
Market Momentum
-0.05
Positive
42.01
Neutral
76.69
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WRDLY, the sentiment is Negative. The current price of 0.82 is above the 20-day moving average (MA) of 0.66, above the 50-day MA of 0.72, and below the 200-day MA of 1.23, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 42.01 is Neutral, neither overbought nor oversold. The STOCH value of 76.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WRDLY.
Worldline Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $3.83B | 18.77 | 38.09% | ― | 22.02% | 12.42% | |
71 Outperform | $4.15B | 21.93 | 15.43% | ― | 7.01% | 17.48% | |
71 Outperform | $1.57B | 27.73 | 9.84% | ― | 10.58% | -45.52% | |
70 Outperform | $1.96B | 36.17 | 9.82% | ― | 19.28% | 6.16% | |
68 Neutral | $2.72B | 11.26 | 23.78% | ― | 7.25% | -1.12% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
44 Neutral | $658.79M | -0.09 | -142.62% | ― | -1.81% | -392.27% |
* Technology Sector Average
WRDLY
Worldline
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-2.45
-82.88%
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PAYO
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DLO
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58.75%
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.