Worldline (WRDLY) AI Stock Analysis

• Market Cap: $796.29M
• Dividend Yield: N/A
• Average Volume (3M): 15.56K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.08
• Revenue Growth: -1.81%
• EPS Growth: -392.27%
• Country: US
• Employees: 18,112
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.25
• Shares Outstanding: 567,143,250
• 10 Day Avg. Volume: 37,567
• 30 Day Avg. Volume: 15,565
• PEG Ratio: 0.12
• Price to Book (P/B): 0.28
• Price to Sales (P/S): 0.50
• P/FCF Ratio: 7.22
• Enterprise Value/Market Cap: 5.93
• Enterprise Value/Revenue: 1.04
• Enterprise Value/Gross Profit: 1.87
• Enterprise Value/Ebitda: 10.66
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 46 Neutral
• Price Target: $1.50 ▲(23.97% Upside)

Worldline's overall stock score is primarily impacted by its financial performance and valuation. The company's persistent profitability issues and negative P/E ratio weigh heavily on the score. Technical analysis further indicates a bearish trend, contributing to a lower score. While the earnings call suggests potential for future improvements, it does not significantly alter the current outlook.

Worldline Business Overview & Revenue Model

Company Description

Worldline (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 Money

Worldline 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 Financial Statement Overview

Summary

Worldline has a solid revenue base and stable asset management, but persistent profitability issues due to consecutive 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 not translating into net income effectively.

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.

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.

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.

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

• Technical Analysis Sentiment: Negative
• Last Price: 1.21
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 1.21 is below the 20-day moving average (MA) of 1.50, below the 50-day MA of 1.54, and below the 200-day MA of 2.62, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 42.93 is Neutral, neither overbought nor oversold. The STOCH value of 67.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WRDLY.

Worldline Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DLO	―	$4.60B	30.35	32.78%	―	22.02%	12.42%
SPSC	―	$3.99B	48.31	10.03%	―	20.51%	12.84%
PAYO	―	$2.12B	22.29	13.86%	―	13.02%	-2.57%
ACIW	―	$4.89B	20.04	19.09%	―	11.22%	40.85%
EEFT	―	$3.08B	11.32	22.97%	―	7.25%	―
Sector *	―	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
WRDLY	―	$796.29M	―	-70.77%	―	-1.81%	-392.27%

Worldline Corporate Events

Worldline SA Faces Challenges Amid Leadership and Market Expansion

Worldline SA’s recent earnings call painted a challenging picture for the company, with significant hurdles overshadowing the positive strides made in leadership and product expansion. The sentiment expressed during the call was notably negative, primarily due to revenue declines, a substantial goodwill impairment, and ongoing uncertainties that cloud the company’s financial outlook.

Worldline SA Reports H1 2025 Earnings Amid Challenges

Worldline SA is a global leader in payment services, providing advanced payment technology and solutions to businesses worldwide, with a focus on digital payment and transactional solutions that promote sustainable economic growth.