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Worldline
(WLN)
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Rating:48Neutral
Price Target:
€10.50
▼(-16.00% Downside)
Action:Reiterated
Date:08/04/26
The score is held down primarily by weak financial performance (sharp revenue decline, significant losses, and increased leverage), only partially offset by still-positive but weakening free cash flow. Technicals are a secondary positive with improving short-term momentum, though overbought readings and a sub-200DMA price limit conviction. Valuation is also a headwind given the negative P/E and lack of dividend yield data.
Positive Factors
Recurring, diversified payments model
Worldline’s model combines transaction-based fees with recurring platform and service revenue across several customer groups. This breadth can support durable payment activity and reduce reliance on one client type, while value-added services such as fraud tools and analytics may deepen customer relationships.
Negative Factors
Sharp revenue deterioration and major loss
The combination of steep revenue contraction and a €5.16B net loss signals a severe weakening in earnings power rather than a modest cyclical slowdown. Deeply negative profitability can restrict reinvestment, undermine financial flexibility, and make recovery dependent on a sustained improvement in operations.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring, diversified payments model
Worldline’s model combines transaction-based fees with recurring platform and service revenue across several customer groups. This breadth can support durable payment activity and reduce reliance on one client type, while value-added services such as fraud tools and analytics may deepen customer relationships.
Read all positive factors
Worldline (WLN) vs. iShares MSCI France ETF (EWQ)
Market Cap
€590.79M
Dividend YieldN/A
Average Volume (3M)297.61K
Price to Earnings (P/E)―
Beta (1Y)1.51
Revenue Growth-18.15%
EPS Growth77.92%
CountryFR
Employees14,528
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)-147.86
Shares Outstanding56,808,060
10 Day Avg. Volume327,547
30 Day Avg. Volume297,609
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.13
Price to Sales (P/S)0.11
P/FCF Ratio2.62
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€11.00Price Target Upside-12.00% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering4
EPS Forecast (FY)2.16
Revenue Forecast (FY)€3.72B
Worldline Business Overview & Revenue Model
Company Description
Worldline S.A. provides a comprehensive suite of payment and transactional services to a diverse clientele, including financial institutions, merchants, corporations, and government agencies. Its operational footprint extends across France, broade...
How the Company Makes Money
Worldline primarily generates revenue by charging fees for processing, routing, and servicing electronic payment transactions and for providing payment-related technology platforms on a recurring basis.
Key revenue streams typically include:
1) M...
Worldline Financial Statement Overview
Summary
Income Statement
28
Negative
Balance Sheet
38
Negative
Cash Flow
55
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.72B | 4.03B | 4.63B | 4.61B | 4.36B | 3.69B |
| Gross Profit | 2.04B | 1.66B | 2.61B | 2.52B | 1.92B | 1.33B |
| EBITDA | 462.50M | 731.20M | 369.30M | -276.00M | 831.50M | 743.50M |
| Net Income | -997.70M | -5.16B | -297.00M | -817.30M | 299.20M | -751.40M |
Balance Sheet | ||||||
| Total Assets | 13.11B | 13.15B | 19.42B | 21.73B | 21.86B | 20.04B |
| Cash, Cash Equivalents and Short-Term Investments | 1.95B | 941.60M | 1.80B | 1.95B | 1.92B | 1.14B |
| Total Debt | 3.01B | 3.12B | 4.03B | 4.05B | 4.13B | 4.56B |
| Total Liabilities | 8.60B | 9.10B | 10.20B | 12.17B | 11.32B | 10.13B |
| Stockholders Equity | 3.73B | 3.25B | 8.25B | 8.58B | 9.38B | 9.04B |
Cash Flow | ||||||
| Free Cash Flow | 30.20M | 166.50M | 321.60M | 458.90M | 724.10M | 727.50M |
| Operating Cash Flow | 264.50M | 414.80M | 603.10M | 791.80M | 1.05B | 953.10M |
| Investing Cash Flow | -13.40M | -380.00M | -245.80M | -212.40M | 28.00M | -537.70M |
| Financing Cash Flow | 83.70M | -457.20M | -585.20M | -415.80M | -606.60M | -416.40M |
Worldline Technical Analysis
Negative
12.50
Price Trends
12.10
Negative
11.57
Negative
12.24
Negative
Market Momentum
-0.35
Positive
40.71
Neutral
17.00
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:WLN, the sentiment is Negative. The current price of 12.5 is above the 20-day moving average (MA) of 10.79, above the 50-day MA of 12.10, and above the 200-day MA of 12.24, indicating a bearish trend. The MACD of -0.35 indicates Positive momentum. The RSI at 40.71 is Neutral, neither overbought nor oversold. The STOCH value of 17.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:WLN.
Worldline Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
56 Neutral | €26.90M | 6.45 | 9.80% | ― | -2.18% | 203.11% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
48 Neutral | €590.79M | -0.07 | -28.58% | ― | -18.15% | 77.92% | |
45 Neutral | €2.08B | 217.14 | 18.61% | ― | 5.58% | ― | |
44 Neutral | €166.31M | 111.90 | 12.68% | ― | 16.83% | ― | |
42 Neutral | €26.24M | -0.26 | -47.32% | ― | -26.57% | 79.38% |
* General Sector Average
FR:WLN
Worldline
10.41
-12.95
-55.44%
FR:VMX
Verimatrix SA
0.30
0.13
80.72%
FR:ALHYP
Hipay Group SA
4.26
-5.14
-54.68%
FR:OVH
OVH Groupe SAS
13.68
5.65
70.47%
FR:ALLIX
Wallix Group SA
23.50
0.25
1.08%
FR:MLMFI
Condor Technologies N.V.
12.00
0.00
0.00%
Worldline Corporate Events
Worldline posts modest Q3 growth as North Star 2030 plan gains traction
Oct 27, 2026
Worldline reported third-quarter 2026 revenue of €946 million on a fully pruned basis, up 2.5% year-on-year, and €967 million on a published basis, reflecting disciplined execution of its North Star 2030 transformation plan. Merchant S...
Worldline Sells Indian Payments Unit to BillDesk as It Refocuses on Core Markets
Aug 3, 2026
Worldline has completed the sale of its Indian payment activities to BillDesk for an equity value of around €60 million, while signing a long‑term technology and software agreement that lets BillDesk continue using Worldline’s pa...
Worldline Finalises Sale of ANZ Payment JV as It Refocuses on Core Operations
Jul 31, 2026
Worldline has completed the sale of its 51% stake in ANZ Worldline Payment Solutions in Australia to joint-venture partner ANZ, valuing the business at about €107 million on a 100% basis. The divested unit is a merchant acquiring provider to...
Worldline Publishes H1 2026 Results and Hosts Investor Call
Jul 30, 2026
Worldline has released its financial results for the first half of 2026, signaling a key update for investors on the company’s performance and outlook. To accompany the publication, the group’s general management is hosting an English-...
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.