
Worldline S.A. (WRDLY)
ValueMarkers Composite Index
99% below intrinsic value ($47)
Worldline S.A. (WRDLY) — VMCI valuation read
Worldline S.A. (WRDLY) carries a VMCI composite of 47/100, 3 points below the Technology sector median of 50. Among mid-cap names, that gap places WRDLY in the bottom third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The WRDLY insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads WRDLY trades at 16.0x earnings, 11% below the Technology median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Technology 12.0x. Quality: ROIC of 14.0% sits 4.0pp above the Technology median (10.0%). Risk: net debt to EBITDA of -1.4x leaves covenant headroom, the line to track on Worldline S.A.'s next 10-Q.
WRDLY fell 1.2% over the trailing 7 days, with a -22.4% read on a 30-day basis.
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.
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