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Worldline (WRDLY)
OTHER OTC:WRDLY
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Worldline
(OTC:WRDLY)
Rating:46Neutral
Price Target:
$1.50
▼(-6.25% Downside)
Worldline (WRDLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$941.46M
Dividend YieldN/A
Average Volume (3M)4.04K
Price to Earnings (P/E)―
Beta (1Y)0.85
Revenue Growth-1.81%
EPS Growth-392.27%
CountryUS
Employees18,112
SectorTechnology
Sector Strength87
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)0.24
Shares Outstanding567,143,250
10 Day Avg. Volume3,209
30 Day Avg. Volume4,043
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap5.02
Enterprise Value/Revenue1.02
Enterprise Value/Gross Profit1.81
Enterprise Value/Ebitda12.70
Forecast
1Y Price Target
$1.50Price Target Upside-6.25% Downside
Rating ConsensusHold
Number of Analyst Covering0
Worldline Business Overview & Revenue Model
Company DescriptionWorldline 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 Services; and Mobility & e-Transactional Services segments. The Merchant Services segment offers commercial acquiring, terminal, omnichannel payment acceptance, private label card and loyalty, and digital retail services. The Financial Services segment provides issuing processing, acquiring processing, digital and mobile banking, and account payments, as well as payments processing back-office, clearing and settlement, and trade order management and financial data services; and fraud risk management, ATM management, trusted authentication, and payment software licensing solutions. The Mobility & e-Transactional Services segment offers trusted digitization, e-ticketing, e-consumer and mobility, customer engagement, and mobility and traceability solutions and services, as well as digital identity, digital signature, and cloud services. The company was formerly known as Atos Worldline S.A.S. and changed its name to Worldline SA in April 2014. Worldline SA was founded in 1973 and is headquartered in Puteaux, France.
How the Company Makes MoneyWorldline makes money through a diversified revenue model primarily driven by transaction-based fees, subscription services, and equipment sales. Key revenue streams include fees collected from processing electronic payments for merchants and financial institutions, which are often based on the volume and value of transactions processed. Additionally, Worldline generates income from selling point-of-sale terminals and other payment-related hardware. The company also earns subscription fees from clients who use its digital payment platforms and services. Strategic partnerships with banks and technology firms, as well as mergers and acquisitions, significantly bolster Worldline's market reach and revenue potential by expanding its portfolio of services and enhancing its geographical presence.
Worldline Earnings Call Summary
Earnings Call Date:Jul 30, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Feb 25, 2026
Earnings Call Sentiment Neutral
Worldline's earnings call reflected a challenging period with significant revenue declines and impairment losses. However, the company is actively addressing its challenges through strategic disposals, leadership changes, and successful refinancing, which provide a foundation for future improvements.Q2-2025 Updates
Positive Updates
Successful Refinancing
Worldline completed the refinancing of the company and secured upcoming debt refinancings, maintaining exceptional liquidity with cash of EUR 1.2 billion at the end of June.
MeTS Disposal
Worldline entered into exclusive negotiations for the divestment of MeTS activities, expected to close in the first half of 2026. The transaction is valued at approximately EUR 410 million.
Leadership Renewal
Significant changes in the executive team with new appointments including a new CFO, Group People Officer, and Head of Financial Services to drive transformation.
Positive Audit Findings
Preliminary audit of the high brand risk portfolio showed no need for material onboarding of merchants, reinforcing compliance confidence.
Negative Updates
Revenue Decline
The company posted EUR 2.2 billion in revenue for H1, representing an organic decline of 3.4% compared to the prior year. Net-net revenue declined by 7.3%.
Goodwill Impairment Impact
Reported a net income group share loss of EUR 4.2 billion, mainly due to a EUR 4.1 billion non-cash goodwill impairment.
Challenging Market Conditions
Facing several challenges including the slowdown in the consumption environment in Europe, leading to elevated churn rates in the SME segment.
Adjusted EBITDA Decline
Adjusted EBITDA in H1 was EUR 401 million, representing 18.2% of revenue, a decline due to merchant terminations and negative revenue mix.
Company Guidance
In its first-half 2025 results conference call, Worldline Group provided guidance for the remainder of the year, emphasizing a cautious outlook amid ongoing challenges. The company reported a 3.4% organic revenue decline to EUR 2.2 billion, with net-net revenue dropping by 7.3%. Adjusted EBITDA stood at EUR 401 million, representing 18.2% of revenue, with a margin of 22.9% based on net-net revenue. Free cash flow was EUR 40 million, with a conversion rate of approximately 10%, impacted by Power24. The company anticipates a full-year adjusted EBITDA between EUR 825 million and EUR 875 million, with stable or slightly negative organic growth in H2. A significant EUR 4.1 billion noncash goodwill impairment led to a reported net income loss of EUR 4.2 billion, although Worldline's equity remained solid at EUR 4.9 billion. CEO Pierre-Antoine Vacheron expressed confidence in the company's assets and transformation strategy, aiming to restore growth and cash flow generation.Worldline Financial Statement Overview
Summary
Worldline shows a solid revenue base with stable asset management but faces significant profitability issues due to consecutive annual net losses. Despite moderate leverage and a stable equity ratio, the negative ROE and inability to convert strong operational cash flow into net income are critical concerns.Income Statement
Worldline's revenue growth has been steady, with a notable increase over the years, though it faced a slight decline in 2024. The gross profit margin remains strong at around 56.5% in 2024. However, the company has struggled with profitability, recording a net loss for the past two years, with a significant net loss margin of -6.41% in 2024. EBIT and EBITDA margins have shown improvement, yet the negative net income is a concern.45
Neutral
Balance Sheet
The company maintains a relatively stable equity ratio of 42.45% in 2024, indicating a balanced use of debt and equity. The debt-to-equity ratio is reasonable at 0.49, which suggests moderate leverage. However, the return on equity is negative due to the net losses, highlighting a lack of profitability despite a solid asset base.60
Neutral
Cash Flow
Worldline's operating cash flow remains healthy, although it has decreased from previous years. The free cash flow has been positive, but the growth rate is declining. The free cash flow to net income ratio is not favorable due to consistent net losses, suggesting cash flow is not translating into profit effectively.58
Neutral
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.63B | 4.61B | 4.36B | 3.69B | 2.46B |
| Gross Profit | 2.61B | 2.52B | 1.92B | 1.33B | 878.00M |
| EBITDA | 372.00M | -276.00M | 831.50M | 743.50M | 458.40M |
| Net Income | -297.00M | -817.30M | 299.20M | -751.40M | 163.70M |
Balance Sheet | |||||
| Total Assets | 19.42B | 21.73B | 21.86B | 20.04B | 19.67B |
| Cash, Cash Equivalents and Short-Term Investments | 1.80B | 1.90B | 1.92B | 1.14B | 1.34B |
| Total Debt | 4.03B | 4.05B | 4.13B | 4.56B | 4.85B |
| Total Liabilities | 10.20B | 12.17B | 11.32B | 10.13B | 9.28B |
| Stockholders Equity | 8.25B | 8.58B | 9.38B | 9.04B | 9.48B |
Cash Flow | |||||
| Free Cash Flow | 321.60M | 458.90M | 724.10M | 727.50M | 367.50M |
| Operating Cash Flow | 603.10M | 791.80M | 1.05B | 953.10M | 507.60M |
| Investing Cash Flow | -245.80M | -212.40M | 28.00M | -537.70M | -1.15B |
| Financing Cash Flow | -585.20M | -415.80M | -606.60M | -416.40M | 1.47B |
Worldline Technical Analysis
Negative
1.60
Price Trends
1.94
Negative
2.40
Negative
3.10
Negative
Market Momentum
-0.10
Negative
36.42
Neutral
<0.01
Positive
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 1.6 is below the 20-day moving average (MA) of 1.71, below the 50-day MA of 1.94, and below the 200-day MA of 3.10, indicating a bearish trend. The MACD of -0.10 indicates Negative momentum. The RSI at 36.42 is Neutral, neither overbought nor oversold. The STOCH value of <0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WRDLY.
Worldline Peers Comparison
Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $2.28B | 16.76 | 25.17% | 0.56% | 12.92% | 101.57% | |
77 Outperform | $2.50B | 26.40 | 13.86% | ― | 13.02% | -2.57% | |
77 Outperform | $4.13B | 34.72 | 26.10% | ― | 14.70% | -18.45% | |
73 Outperform | $8.00B | 33.51 | 19.00% | ― | 23.86% | 79.35% | |
61 Neutral | $35.45B | 7.89 | -10.11% | 1.88% | 8.47% | -9.45% | |
56 Neutral | $4.47B | 8.73 | -8.77% | ― | -20.82% | -154.29% | |
46 Neutral | $941.46M | ― | -70.77% | ― | -1.81% | -392.27% |
* Technology Sector Average
Performance Comparison
WRDLY
Worldline
1.60
-2.84
-63.96%
EVTC
Evertec
35.68
2.25
6.73%
STNE
Stoneco
16.47
3.36
25.63%
FOUR
Shift4 Payments
90.43
11.25
14.21%
PAYO
Payoneer
6.95
-0.26
-3.61%
DLO
DLocal
14.46
6.29
76.99%
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.