Education
About Us
Working with TipRanks
Follow Us
Worldline SA Unsponsored ADR (WRDLY)
:WRDLY
Top Page
Worldline
(OTC:WRDLY)
Select Model
Select Model
Rating:46Neutral
Price Target:
$1.00
▲(21.95% Upside)
Worldline's overall stock score is primarily impacted by its financial performance and technical analysis. The company's persistent profitability issues and bearish technical indicators weigh heavily on the score. Valuation concerns further contribute to the low score, with a negative P/E ratio and no dividend yield. While the earnings call provided some optimism with strategic initiatives, the current challenges overshadow these efforts.
Positive Factors
Cash Generation Ability
Strong operational cash generation indicates robust underlying business operations, providing liquidity and flexibility for strategic initiatives.
Leadership Changes
New leadership can drive transformation and strategic realignment, potentially improving operational efficiency and long-term growth prospects.
Stable Equity Ratio
A stable equity ratio suggests prudent financial management and provides a solid foundation for future growth and investment opportunities.
Negative Factors
Revenue Decline
Declining revenue can indicate challenges in market demand or competitive pressures, potentially impacting long-term growth and profitability.
Goodwill Impairment
Significant goodwill impairment suggests overvaluation of past acquisitions, impacting financial health and investor confidence.
Profitability Issues
Persistent profitability issues can hinder reinvestment in growth initiatives and affect long-term financial sustainability.
Worldline (WRDLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$444.88M
Dividend YieldN/A
Average Volume (3M)6.78K
Price to Earnings (P/E)―
Beta (1Y)0.62
Revenue Growth-1.81%
EPS Growth-392.27%
CountryUS
Employees18,112
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)0.25
Shares Outstanding567,143,250
10 Day Avg. Volume3,389
30 Day Avg. Volume6,776
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)0.28
Price to Sales (P/S)0.50
P/FCF Ratio7.22
Enterprise Value/Market Cap10.62
Enterprise Value/Revenue1.04
Enterprise Value/Gross Profit1.87
Enterprise Value/Ebitda10.66
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.46
Revenue Forecast (FY)$5.23B
Worldline Business Overview & Revenue Model
Company DescriptionWorldline (WRDLY) is a global leader in payment and transaction services, providing a comprehensive suite of solutions that facilitate seamless financial transactions for businesses and consumers. The company operates in various sectors, including e-commerce, retail, banking, and telecommunications, offering core products such as payment processing, digital banking, and merchant services. Worldline's innovative technology and expertise in secure transactions enable it to cater to a diverse clientele, ensuring efficient and reliable payment solutions across multiple channels.
How the Company Makes MoneyWorldline generates revenue primarily through transaction fees charged to merchants for processing payments, which constitutes a significant portion of its earnings. Additionally, the company earns money from service fees related to its value-added services, such as fraud detection and prevention, loyalty programs, and reporting tools. Worldline also benefits from partnerships with banks and financial institutions, allowing it to expand its reach and integrate its services into various platforms. The growth of e-commerce and digital payments has been a driving force behind its revenue model, as more businesses seek to enhance their payment capabilities and customer experience.
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 demonstrates a solid revenue base and stable asset management, but persistent profitability issues due to consecutive annual net losses are concerning. The balance sheet reflects moderate leverage and a stable equity ratio, yet the negative ROE highlights profitability challenges. Strong operational cash generation is present, but the inability to convert this into net income is a critical issue.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 | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.55B | 4.63B | 4.61B | 4.36B | 3.69B | 2.46B |
| Gross Profit | 2.53B | 2.61B | 2.52B | 1.92B | 1.33B | 878.00M |
| EBITDA | 443.40M | 372.00M | -276.00M | 831.50M | 743.50M | 458.40M |
| Net Income | -4.49B | -297.00M | -817.30M | 299.20M | -751.40M | 163.70M |
Balance Sheet | ||||||
| Total Assets | 15.93B | 19.42B | 21.73B | 21.86B | 20.04B | 19.67B |
| Cash, Cash Equivalents and Short-Term Investments | 1.85B | 1.80B | 1.95B | 1.92B | 1.13B | 1.34B |
| Total Debt | 3.97B | 4.03B | 4.05B | 4.13B | 4.56B | 4.85B |
| Total Liabilities | 11.00B | 10.20B | 12.17B | 11.32B | 10.13B | 9.28B |
| Stockholders Equity | 3.98B | 8.25B | 8.58B | 9.38B | 9.04B | 9.48B |
Cash Flow | ||||||
| Free Cash Flow | 294.80M | 321.60M | 458.90M | 724.10M | 727.50M | 367.50M |
| Operating Cash Flow | 551.20M | 603.10M | 791.80M | 1.05B | 953.10M | 507.60M |
| Investing Cash Flow | -337.30M | -245.80M | -212.40M | 29.50M | -537.70M | -1.15B |
| Financing Cash Flow | -567.30M | -585.20M | -415.80M | -606.60M | -416.40M | 1.47B |
Worldline Technical Analysis
Negative
0.82
Price Trends
1.21
Negative
1.46
Negative
2.19
Negative
Market Momentum
-0.13
Positive
22.07
Positive
6.27
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 0.82 is below the 20-day moving average (MA) of 0.90, below the 50-day MA of 1.21, and below the 200-day MA of 2.19, indicating a bearish trend. The MACD of -0.13 indicates Positive momentum. The RSI at 22.07 is Positive, neither overbought nor oversold. The STOCH value of 6.27 is Positive, 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $3.16B | 37.73 | 9.51% | ― | 19.28% | 6.16% | |
73 Outperform | $4.73B | 18.31 | 18.58% | ― | 7.01% | 17.48% | |
73 Outperform | $3.92B | 26.18 | 32.78% | ― | 22.02% | 12.42% | |
69 Neutral | $2.02B | 29.94 | 9.79% | ― | 10.58% | -45.52% | |
66 Neutral | $3.09B | 10.70 | 23.10% | ― | 7.25% | -1.12% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
46 Neutral | $444.88M | ― | -70.77% | ― | -1.81% | -392.27% |
* Technology Sector Average
WRDLY
Worldline
0.72
-3.44
-82.69%
ACIW
ACI Worldwide
45.26
-8.15
-15.26%
EEFT
Euronet Worldwide
74.14
-30.04
-28.83%
SPSC
SPS Commerce
85.54
-112.35
-56.77%
PAYO
Payoneer
5.65
-4.48
-44.23%
DLO
DLocal
13.46
2.19
19.43%
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.