(LIN) Linedata S.A. - Ratings and Ratios
Portfolio, Risk, Compliance, Lending, Analytics
Description: LIN Linedata S.A.
Linedata Services S.A. is a financial software company operating globally, with a presence in Southern Europe, Northern Europe, North America, and Asia. The company provides a range of solutions for asset managers, servicers, lenders, and lessors, including order management, investment compliance, risk management, and analytics. Its services cater to various industries, such as commercial and syndicated lending, automotive, consumer, and equipment finance.
To evaluate Linedatas performance, we can examine key performance indicators (KPIs) such as revenue growth, customer acquisition rate, and customer retention rate. With a market capitalization of €376.66M, Linedatas revenue growth rate and profitability margins are crucial in determining its financial health. The companys return on equity (RoE) of 45.52% indicates a strong ability to generate profits from shareholder equity.
From a valuation perspective, Linedatas price-to-earnings (P/E) ratio of 13.46 suggests that the stock may be undervalued relative to its earnings. To further assess the stocks potential, we can analyze its dividend yield, payout ratio, and enterprise value-to-EBITDA (EV/EBITDA) ratio. These metrics will provide a more comprehensive understanding of Linedatas financial position and growth prospects.
In terms of growth prospects, Linedatas expansion into new markets, such as Asia, and its investment in digitalization and business process as a service (BPaaS) may drive future revenue growth. The companys ability to innovate and adapt to changing market conditions will be crucial in maintaining its competitive edge. By monitoring KPIs such as research and development (R&D) expenditure as a percentage of revenue, we can gauge Linedatas commitment to innovation and its potential for long-term growth.
LIN Stock Overview
| Market Cap in USD | 350m |
| Sub-Industry | Application Software |
| IPO / Inception |
LIN Stock Ratings
| Growth Rating | 43.0% |
| Fundamental | 81.0% |
| Dividend Rating | 71.4% |
| Return 12m vs S&P 500 | -24.5% |
| Analyst Rating | - |
LIN Dividends
| Dividend Yield 12m | 2.52% |
| Yield on Cost 5y | 8.30% |
| Annual Growth 5y | 13.00% |
| Payout Consistency | 93.6% |
| Payout Ratio | 30.8% |
LIN Growth Ratios
| Growth Correlation 3m | -83.2% |
| Growth Correlation 12m | -31.3% |
| Growth Correlation 5y | 95% |
| CAGR 5y | 23.08% |
| CAGR/Max DD 5y | 0.81 |
| Sharpe Ratio 12m | -0.15 |
| Alpha | -19.62 |
| Beta | 0.325 |
| Volatility | 30.22% |
| Current Volume | 0.3k |
| Average Volume 20d | 0.8k |
| Stop Loss | 58.9 (-3.1%) |
| Signal | 1.11 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (53.6m TTM) > 0 and > 6% of Revenue (6% = 22.0m TTM) |
| FCFTA 0.17 (>2.0%) and ΔFCFTA 5.04pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 2.35% (prev -2.21%; Δ 4.56pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.24 (>3.0%) and CFO 77.1m > Net Income 53.6m (YES >=105%, WARN >=100%) |
| Net Debt (46.9m) to EBITDA (71.0m) ratio: 0.66 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.10 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (4.93m) change vs 12m ago NaN% (target <= -2.0% for YES) |
| Gross Margin 23.61% (prev 33.13%; Δ -9.52pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 115.9% (prev 55.81%; Δ 60.05pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 11.98 (EBITDA TTM 71.0m / Interest Expense TTM 4.65m) >= 6 (WARN >= 3) |
Altman Z'' 1.80
| (A) 0.03 = (Total Current Assets 92.1m - Total Current Liabilities 83.4m) / Total Assets 324.1m |
| (B) 0.09 = Retained Earnings (Balance) 28.1m / Total Assets 324.1m |
| (C) 0.18 = EBIT TTM 55.7m / Avg Total Assets 316.8m |
| (D) 0.15 = Book Value of Equity 28.1m / Total Liabilities 185.7m |
| Total Rating: 1.80 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 80.96
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 15.79% = 5.0 |
| 3. FCF Margin 14.95% = 3.74 |
| 4. Debt/Equity 0.62 = 2.31 |
| 5. Debt/Ebitda 1.20 = 1.47 |
| 6. ROIC - WACC 13.32% = 12.50 |
| 7. RoE 45.52% = 2.50 |
| 8. Rev. Trend 89.06% = 4.45 |
| 9. Rev. CAGR 8.11% = 1.01 |
| 10. EPS Trend -20.91% = -0.52 |
| 11. EPS CAGR -50.28% = -2.50 |
What is the price of LIN shares?
Over the past week, the price has changed by +0.66%, over one month by -16.71%, over three months by -12.45% and over the past year by -12.70%.
Is Linedata S.A. a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of LIN is around 62.99 EUR . This means that LIN is currently overvalued and has a potential downside of 3.6%.
Is LIN a buy, sell or hold?
What are the forecasts/targets for the LIN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 78.8 | 29.6% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 68.7 | 13% |
LIN Fundamental Data Overview
Market Cap EUR = 300.5m (300.5m EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 38.5m EUR (Cash only, last quarter)
P/E Trailing = 10.6854
P/S = 1.6355
P/B = 2.1639
Beta = 0.34
Revenue TTM = 367.0m EUR
EBIT TTM = 55.7m EUR
EBITDA TTM = 71.0m EUR
Long Term Debt = 65.5m EUR (from longTermDebt, last quarter)
Short Term Debt = 19.8m EUR (from shortLongTermDebt, last quarter)
Debt = 85.3m EUR (Calculated: Short Term 19.8m + Long Term 65.5m)
Net Debt = 46.9m EUR (from netDebt column, last quarter)
Enterprise Value = 347.3m EUR (300.5m + Debt 85.3m - CCE 38.5m)
Interest Coverage Ratio = 11.98 (Ebit TTM 55.7m / Interest Expense TTM 4.65m)
FCF Yield = 15.79% (FCF TTM 54.9m / Enterprise Value 347.3m)
FCF Margin = 14.95% (FCF TTM 54.9m / Revenue TTM 367.0m)
Net Margin = 14.60% (Net Income TTM 53.6m / Revenue TTM 367.0m)
Gross Margin = 23.61% ((Revenue TTM 367.0m - Cost of Revenue TTM 280.4m) / Revenue TTM)
Tobins Q-Ratio = 12.35 (Enterprise Value 347.3m / Book Value Of Equity 28.1m)
Interest Expense / Debt = 2.73% (Interest Expense 2.33m / Debt 85.3m)
Taxrate = 25.04% (from yearly Income Tax Expense: 9.40m / 37.5m)
NOPAT = 41.7m (EBIT 55.7m * (1 - 25.04%))
Current Ratio = 1.10 (Total Current Assets 92.1m / Total Current Liabilities 83.4m)
Debt / Equity = 0.62 (Debt 85.3m / last Quarter total Stockholder Equity 138.4m)
Debt / EBITDA = 1.20 (Net Debt 46.9m / EBITDA 71.0m)
Debt / FCF = 1.56 (Debt 85.3m / FCF TTM 54.9m)
Total Stockholder Equity = 117.8m (last 4 quarters mean)
RoA = 16.54% (Net Income 53.6m, Total Assets 324.1m )
RoE = 45.52% (Net Income TTM 53.6m / Total Stockholder Equity 117.8m)
RoCE = 30.38% (Ebit 55.7m / (Equity 117.8m + L.T.Debt 65.5m))
RoIC = 19.39% (NOPAT 41.7m / Invested Capital 215.3m)
WACC = 6.07% (E(300.5m)/V(385.8m) * Re(7.21%)) + (D(85.3m)/V(385.8m) * Rd(2.73%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -100.0 | Cagr: -6.66%
Discount Rate = 7.21% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 71.69% ; FCFE base≈47.6m ; Y1≈33.0m ; Y5≈16.9m
Fair Price DCF = 66.13 (DCF Value 325.7m / Shares Outstanding 4.93m; 5y FCF grow -35.91% → 3.0% )
Revenue Correlation: 89.06 | Revenue CAGR: 8.11%
Revenue Growth Correlation: -95.55%
EPS Correlation: -20.91 | EPS CAGR: -50.28%
Growth-of-Growth: 113.5