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Worldline SA Unsponsored ADR (WRDLY)
:WRDLY
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Worldline (WRDLY) AI Stock Analysis

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WRDLY

Worldline

(OTC:WRDLY)

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Neutral 46 (OpenAI - 4o)
Rating:46Neutral
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 (WRDLY) vs. SPDR S&P 500 ETF (SPY)

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 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
45
Neutral
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
60
Neutral
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
58
Neutral
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue4.55B4.63B4.61B4.36B3.69B2.46B
Gross Profit2.53B2.61B2.52B1.92B1.33B878.00M
EBITDA443.40M372.00M-276.00M831.50M743.50M458.40M
Net Income-4.49B-297.00M-817.30M299.20M-751.40M163.70M
Balance Sheet
Total Assets15.93B19.42B21.73B21.86B20.04B19.67B
Cash, Cash Equivalents and Short-Term Investments1.85B1.80B1.95B1.92B1.13B1.34B
Total Debt3.97B4.03B4.05B4.13B4.56B4.85B
Total Liabilities11.00B10.20B12.17B11.32B10.13B9.28B
Stockholders Equity3.98B8.25B8.58B9.38B9.04B9.48B
Cash Flow
Free Cash Flow294.80M321.60M458.90M724.10M727.50M367.50M
Operating Cash Flow551.20M603.10M791.80M1.05B953.10M507.60M
Investing Cash Flow-337.30M-245.80M-212.40M29.50M-537.70M-1.15B
Financing Cash Flow-567.30M-585.20M-415.80M-606.60M-416.40M1.47B

Worldline Technical Analysis

Technical Analysis Sentiment
Negative
Last Price1.21
Price Trends
50DMA
1.54
Negative
100DMA
1.84
Negative
200DMA
2.62
Negative
Market Momentum
MACD
-0.05
Positive
RSI
42.93
Neutral
STOCH
67.82
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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
$4.60B30.3532.78%22.02%12.42%
$3.99B48.3110.03%20.51%12.84%
$2.12B22.2913.86%13.02%-2.57%
$4.89B20.0419.09%11.22%40.85%
$3.08B11.3222.97%7.25%
$37.18B12.37-10.20%1.83%8.50%-7.62%
$796.29M-70.77%-1.81%-392.27%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
WRDLY
Worldline
1.35
-1.88
-58.20%
ACIW
ACI Worldwide
47.34
-2.56
-5.13%
EEFT
Euronet Worldwide
77.57
-20.65
-21.02%
SPSC
SPS Commerce
105.18
-63.80
-37.76%
PAYO
Payoneer
5.87
-2.68
-31.35%
DLO
DLocal
15.41
6.96
82.37%

Worldline Corporate Events

Worldline SA Faces Challenges Amid Leadership and Market Expansion
Jul 31, 2025

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
Jul 30, 2025

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.

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.Date of analysis: Oct 24, 2025