Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Worldline SA is a French payment and transaction services provider serving merchants, financial institutions, corporations, and public-sector clients across Europe and internationally. The company focuses on enabling digital payments through a broad suite of merchant services, including commercial acquiring, omnichannel payment acceptance, and digital retail solutions that support both in-store and online commerce. Worldline also delivers financial services such as issuing and acquiring processing, account payments, and digital banking solutions, helping banks and payment providers manage card transactions, account-to-account payments, and related infrastructure securely and efficiently. In addition, it offers mobility and e-transactional services to support trusted digitization, e-ticketing, and mobility-use cases for transport and public services. Headquartered in Puteaux, France, Worldline plays a significant role in the European payments ecosystem by operating critical payment infrastructure and providing technology that underpins everyday consumer and business transactions.
Operating margin is thin at 0.61%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue declined 3.2% YoY. Margins deteriorated 3.0pp alongside, both lines moving the wrong way.
Free cash flow declined 39% versus the prior year, cash generation momentum has weakened. Net debt of €1.94B represents 9.4x FCF, leverage limits flexibility.
Profitability & Returns
Revenue (TTM)
€4.03B
▼ -3.2% YoY
Net Income (TTM)
-€5.18B
▼ -1560.6% YoY
Op. Margin
0.61%
▼ -3.0pp YoY
ROIC
0.20%
▼ -0.7pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
€206M
▼ -39.3% YoY
Op. Cash Flow (TTM)
€455M
▼ -23.9% YoY
Net Debt
€1.94B
Cash & Equiv.
€943M
3Y CAGR: -2.6%
3Y CAGR: -34.8%
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