1.23%
-3.21%
27.85%
-21.83%
-34.96%
-80.77%
-87.12%
AI Spotlight on WLN
Company Description
Worldline SA provides payments and transactional services to financial institutions, merchants, corporations, and government agencies in France, rest of Europe, and internationally.The company operates through Merchant Services; Financial Services; and Mobility & e-Transactional Services segments.The Merchant Services segment offers commercial acquiring, terminal, omnichannel payment acceptance, private label card and loyalty, and digital retail services.
The Financial Services segment provides issuing processing, acquiring processing, digital and mobile banking, and account payments, as well as payments processing back-office, clearing and settlement, and trade order management and financial data services; and fraud risk management, ATM management, trusted authentication, and payment software licensing solutions.The Mobility & e-Transactional Services segment offers trusted digitization, e-ticketing, e-consumer and mobility, customer engagement, and mobility and traceability solutions and services, as well as digital identity, digital signature, and cloud services.The company was formerly known as Atos Worldline S.A.S. and changed its name to Worldline SA in April 2014.
Worldline SA was founded in 1973 and is headquartered in Puteaux, France.
Market Data
| Last Price | 8.21 |
| Change Percentage | 1.23% |
| Open | 8.15 |
| Previous Close | 8.11 |
| Market Cap ( Millions) | 2325 |
| Volume | 112549 |
| Year High | 12.83 |
| Year Low | 5.87 |
| M A 50 | 7.72 |
| M A 200 | 8.6 |
Financial Ratios
| FCF Yield | 14.93% |
| Dividend Yield | 0.00% |
| ROE | -10.83% |
| Debt / Equity | 48.94% |
| Net Debt / EBIDTA | -483.95% |
| Price To Book | 0.27 |
| Price Earnings Ratio | -2.5 |
| Price To FCF | 6.7 |
| Price To sales | 0.5 |
| EV / EBITDA | -10.27 |
News
- Jan -21 - Worldline ties up with Wix to enhance online experience for SMEs
- Jan -14 - Worldline extends long-term partnership with KBC for issuing services
- Jan -08 - Half-year report on Worldline SA’s liquidity contract as of December, 31 2024
- Dec -18 - Worldline launches FlexPricing, empowering software vendors to maximize revenue streams
- Dec -16 - Worldline, Forthcode partner on in-flight payment solutions in India
- Dec -10 - Worldline empowers global online businesses to succeed in the UAE
- Dec -02 - Exclusive-Worldline attracts early stage interest from private equity firms, sources say
- Nov -29 - Worldline says payments services 'back to normal' after major disruption in Italy
- Nov -25 - Worldline - OCEANEs Repurchase Results
- Nov -25 - Worldline - OCEANEs Repurchase Launch
- Nov -21 - Worldline has successfully placed a €500 million 5-year bond issue
- Nov -21 - Worldline Prints New Debt After Tough Year Hurts Earnings
- Nov -21 - Worldline enables GarantiBBVA International N.V. to comply with EU Instant Payments Regulation
- Nov -18 - 20241118 - Worldline - Bonds Launch - Press Release
- Nov -14 - Credem and Worldline forge long-term alliance
- Nov -06 - Worldline enlists bankers to sell its Mobility division, sources say
- Nov -03 - Worldline (ENXTPA:WLN) Eyes Recovery with AI Alliances Despite Index Exclusions and Revenue Challenges
- Oct -30 - Worldline meets Q3 revenue estimates on merchant services strength
- Oct -30 - Worldline: Q3 2024 revenue
- Oct -17 - “Bank Transfer by Worldline” launches, a new account-to-account payment method in 14 European countries
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Merchant Services
Expected Growth : 5 %
What the company do ?
Merchant Services from Worldline SA provides payment solutions for businesses, enabling them to accept various payment methods, manage transactions, and optimize revenue.
Why we expect these perspectives ?
Worldline SA's Merchant Services growth is driven by increasing e-commerce adoption, omnichannel payment demand, and digital transformation in the retail industry. Additionally, the rise of contactless payments, growth in online transactions, and the need for secure payment solutions are contributing to the segment's 5% growth.
Segment n°2 -> Financial Services
Expected Growth : 7 %
What the company do ?
Worldline SA's Financial Services segment provides payment and transactional services to financial institutions, enabling secure and efficient transactions.
Why we expect these perspectives ?
Worldline SA's 7% growth in Financial Services is driven by increasing adoption of digital payments, growing demand for online banking and e-commerce, expansion into new markets, and strategic partnerships. Additionally, investments in innovation, such as contactless payments and blockchain technology, are contributing to the segment's growth.
Segment n°3 -> Mobility & E-transactional Services
Expected Growth : 5 %
What the company do ?
Worldline SA's Mobility & E-transactional Services enable secure, omnichannel payment experiences for customers, combining digital payment methods with mobility solutions.
Why we expect these perspectives ?
Worldline SA's Mobility & E-transactional Services segment growth is driven by increasing adoption of contactless payments, rising demand for digital wallets, and growing need for secure online transactions. Additionally, the shift towards cashless societies, government initiatives promoting digital payments, and strategic partnerships with banks and fintech companies are also contributing to the segment's 5% growth.
Worldline Sa Products
| Product Range | What is it ? |
|---|---|
| Merchant Services | Worldline's Merchant Services provide a comprehensive range of payment solutions for merchants, including online payment processing, point-of-sale solutions, and card-not-present transactions. |
| Terminals, Payment & Digital Services | This segment offers a range of payment terminals, online payment solutions, and digital services, enabling merchants to accept payments securely and efficiently. |
| Financial Services | Worldline's Financial Services provide a range of solutions for financial institutions, including payment processing, card issuing, and digital banking services. |
| Mobility & e-Transactional Services | This segment offers a range of services for mobility and e-transactional solutions, including contactless payments, mobile payments, and e-ticketing. |
| Digital Banking Platform | Worldline's Digital Banking Platform provides a comprehensive digital banking solution for financial institutions, enabling them to offer online and mobile banking services to their customers. |
Worldline SA's Porter Forces
Threat Of Substitutes
Worldline SA operates in the payment industry, which is characterized by a moderate threat of substitutes. While there are alternative payment methods, such as cash and other digital payment systems, Worldline's services are widely used and have a strong market presence.
Bargaining Power Of Customers
Worldline SA's customers, primarily banks and financial institutions, have limited bargaining power due to the company's strong market position and the complexity of its services.
Bargaining Power Of Suppliers
Worldline SA has a diversified supplier base, and its suppliers have limited bargaining power due to the company's large scale and strong market position.
Threat Of New Entrants
The threat of new entrants in the payment industry is low due to the high barriers to entry, including the need for significant investment in technology and infrastructure, as well as the requirement for regulatory approvals.
Intensity Of Rivalry
The payment industry is highly competitive, with several established players competing for market share. Worldline SA faces intense rivalry from companies such as Ingenico, Atos, and FIS.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 30.67% |
| Debt Cost | 3.95% |
| Equity Weight | 69.33% |
| Equity Cost | 10.70% |
| WACC | 8.63% |
| Leverage | 44.24% |
Worldline SA : Quality Control
Worldline SA passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| NEXI.MI | Nexi S.p.A. provides electronic money and payment services to banks, financial and insurance institutions, merchants, businesses, and public administration in Italy. The company offers acquiring services; configuration, activation, and maintenance … |
| WIX | Wix.com Ltd., together with its subsidiaries, develops and markets a cloud-based platform that enables anyone to create a website or web application in North America, Europe, Latin America, Asia, and … |
| CYBR | CyberArk Software Ltd., together with its subsidiaries, develops, markets, and sales software-based security solutions and services in the United States, Europe, the Middle East, Africa, and internationally. Its solutions include … |
| AUTO.OL | AutoStore Holdings Ltd., a robotic and software technology company, provides warehouse automation solutions in Norway, rest of Nordics, Germany, rest of Europe, the United States, Asia, and internationally. It offers … |
| IOS.DE | Ionos Group SE offers a comprehensive portfolio of web presence and productivity, and cloud solutions in Europe. The company provides web hosting, domain and website, and Cloud services to free-lancers, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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IONOS
A-Score
1-Year Total Return ->
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CyberArk
A-Score
1-Year Total Return ->
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Wix
A-Score
1-Year Total Return ->
4
Nexi
A-Score
1-Year Total Return ->
5
Worldline
A-Score
1-Year Total Return ->
6
