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Worldline
(OTC:WRDLY)
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Rating:53Neutral
Price Target:
$6.00
▲(631.71% Upside)
Action:Reiterated
Date:07/30/26
The score is held back primarily by weak financial performance (sharp revenue decline, very large net loss, and weaker equity/leverage metrics) and a soft technical trend (price below key moving averages). This is partly offset by a constructive earnings-call backdrop—confirmed EBITDA guidance and significant deleveraging/divestment progress—while valuation is mixed due to negative earnings and an unusually high dividend yield that may be difficult to sustain.
Positive Factors
Leverage reduction / balance-sheet repair
A ~50% net-debt reduction and achieving <2x EBITDA materially lowers refinancing and liquidity risk, increasing financial flexibility to fund transformation, absorb shocks, and support targeted investments or M&A. This durability improves the firm's ability to execute multi-quarter restructuring and margin actions.
Negative Factors
Sharp revenue decline and deep net loss
Material top-line contraction paired with an extreme net loss erodes equity and limits reinvestment capacity. Persistent volatility in net results damages stakeholder confidence, constrains capital allocation choices, and makes multi-quarter recovery harder even if operational metrics improve.
Read all positive and negative factors
Positive Factors
Negative Factors
Leverage reduction / balance-sheet repair
A ~50% net-debt reduction and achieving <2x EBITDA materially lowers refinancing and liquidity risk, increasing financial flexibility to fund transformation, absorb shocks, and support targeted investments or M&A. This durability improves the firm's ability to execute multi-quarter restructuring and margin actions.
Read all positive factors
Worldline (WRDLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$785.33M
Dividend YieldN/A
Average Volume (3M)7.33K
Price to Earnings (P/E)―
Beta (1Y)-0.21
Revenue Growth-12.19%
EPS Growth77.62%
CountryUS
Employees17,948
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)-367.80
Shares Outstanding113,183,640
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.75
Revenue Forecast (FY)$4.26B
Worldline Business Overview & Revenue Model
Company Description
Worldline SA provides a wide array of payment and transactional services to a diverse clientele, including financial institutions, retailers, corporations, and governmental bodies. The company's operations span France, the broader European contine...
How the Company Makes Money
Worldline primarily makes money by charging fees for processing and enabling electronic payments and related transaction services. A major revenue stream is merchant services/acquiring: Worldline enables merchants to accept card and digital paymen...
Worldline Earnings Call Summary
Earnings Call Date:Jul 30, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Feb 23, 2027
Earnings Call Sentiment Positive
The call presented clear evidence of a successful balance-sheet repair and tangible operational progress: leverage reduced to under 2x EBITDA early, adjusted EBITDA improving, significant divestment proceeds collected, Merchant Services showing sequential acceleration, major commercial wins (ABN AMRO, digital euro pilot), and strong North Star execution (platform migrations, Launchpad pilot, GenAI adoption). Offsetting these positives are a material decline in Financial Services driven by contract terminations and longer sales cycles, continued negative free cash flow (though improved), net revenue pressure from mix and scheme fees, some underperforming geographies (Benelux) and remaining divestment cash/outstanding liabilities. Overall, the highlights—particularly balance sheet repair, stabilized merchant momentum, confirmed EBITDA guidance, and strategic commercial milestones—outweigh the lowlights, though execution must continue to sustain and translate momentum into net revenue and cash flow improvements.Positive Updates
Balance Sheet Strengthening and Leverage Target Achieved Early
Net debt reduced from €2.2 billion to €1.1 billion (≈50% reduction) in H1; leverage now below 2x EBITDA, achieved six months ahead of plan.
Negative Updates
Financial Services Decline
Financial Services (≈20% of external revenue) down ~7.1% in H1 and reported -7.9% in Q2, driven by planned contract terminations and longer-than-expected commercial sales cycles.
Read all updates
Q2-2026 Updates
Positive
Negative
Balance Sheet Strengthening and Leverage Target Achieved Early
Net debt reduced from €2.2 billion to €1.1 billion (≈50% reduction) in H1; leverage now below 2x EBITDA, achieved six months ahead of plan.
Read all positive updates
Company Guidance
Management confirmed full‑year adjusted EBITDA guidance of €630–650m and said the leverage target of <2x EBITDA has already been met after net debt fell from ~€2.2bn to ~€1.1bn in H1 (H1 adjusted EBITDA was €294m); payment/acquiring volumes grew >4% in the semester (Merchant Services ≈80% of external revenue, Financial Services ≈20%), net revenue remained negative as anticipated, and free cash flow—while still negative—was upgraded with a better trajectory. They reiterated a ~€60m Financial Services headwind from contract terminations (FS expected to decline roughly 6–7% YoY), noted normalized net income of €65m (normalized diluted EPS €0.04), and reminded investors that H1 divestment proceeds totalled €580m of an expected €590–640m (with €40–50m from India/Australia to come and €80m collected of €186m cash in divested entities). Liquidity was strengthened with an RCF extension to July 2031 (€900m; total facilities €1.125bn to 2030), and management stressed continued cost discipline and margin actions to offset revenue timing effects.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 | 2.86B | 2.37B |
| EBITDA | 702.34M | 372.00M | -276.00M | 1.00B | 616.00M |
| 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 | 745.00M | 756.60M |
| Operating Cash Flow | 398.43M | 603.10M | 791.80M | 1.07B | 982.20M |
| Investing Cash Flow | -365.00M | -245.80M | -212.40M | 29.50M | -537.70M |
| Financing Cash Flow | -439.16M | -585.20M | -415.80M | -606.60M | -445.50M |
Worldline Technical Analysis
Negative
0.82
Price Trends
6.60
Negative
6.09
Negative
6.43
Negative
Market Momentum
-0.23
Negative
41.80
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 0.82 is below the 20-day moving average (MA) of 5.78, below the 50-day MA of 6.60, and below the 200-day MA of 6.43, indicating a bearish trend. The MACD of -0.23 indicates Negative momentum. The RSI at 41.80 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $2.64B | 35.28 | 8.14% | ― | 9.80% | -5.52% | |
80 Outperform | $2.42B | 35.64 | 10.01% | ― | 7.19% | -36.03% | |
77 Outperform | $4.45B | 22.85 | 37.04% | 1.36% | 46.60% | 66.04% | |
69 Neutral | $5.83B | 28.52 | 13.99% | ― | 7.06% | -22.01% | |
65 Neutral | $2.72B | 10.31 | 30.39% | ― | 5.76% | ― | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
53 Neutral | $785.33M | -0.02 | -142.62% | ― | -12.19% | 77.62% |
* Technology Sector Average
WRDLY
Worldline
5.70
-7.29
-56.11%
ACIW
ACI Worldwide
57.33
15.40
36.73%
EEFT
Euronet Worldwide
71.33
-23.06
-24.43%
SPSC
SPS Commerce
73.39
-33.70
-31.47%
PAYO
Payoneer
7.17
0.82
12.91%
DLO
DLocal
15.08
4.95
48.88%
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.