ADYEN NV (1N8.DE) Stock Fundamental Analysis
Europe - FRA:1N8 - NL0012969182 - Common Stock
1449.8 EUR
-15.2 (-1.04%)
Overall 1N8 gets a fundamental rating of 7 out of 10. We evaluated 1N8 against 51 industry peers in the Financial Services industry. 1N8 has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. 1N8 is quite expensive at the moment. It does show a decent growth rate. These ratings would make 1N8 suitable for quality investing!
1. Profitability
1.1 Basic Checks
1N8 had positive earnings in the past year.
In the past year 1N8 had a positive cash flow from operations.
Each year in the past 5 years 1N8 has been profitable.
Each year in the past 5 years 1N8 had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.15%, 1N8 belongs to the top of the industry, outperforming 86.27% of the companies in the same industry.
1N8's Return On Equity of 21.32% is amongst the best of the industry. 1N8 outperforms 82.35% of its industry peers.
1N8 has a Return On Invested Capital of 15.30%. This is amongst the best in the industry. 1N8 outperforms 90.20% of its industry peers.
1N8 had an Average Return On Invested Capital over the past 3 years of 16.46%. This is significantly above the industry average of 9.42%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.15% | ||
| ROE | 21.32% | ||
| ROIC | 15.3% |
ROA(3y)7.6%
ROA(5y)7.44%
ROE(3y)22.46%
ROE(5y)22.95%
ROIC(3y)16.46%
ROIC(5y)18.16%
1.3 Margins
The Profit Margin of 1N8 (40.51%) is better than 88.24% of its industry peers.
In the last couple of years the Profit Margin of 1N8 has grown nicely.
1N8 has a better Operating Margin (40.52%) than 82.35% of its industry peers.
In the last couple of years the Operating Margin of 1N8 has grown nicely.
1N8 has a Gross Margin of 88.47%. This is amongst the best in the industry. 1N8 outperforms 88.24% of its industry peers.
In the last couple of years the Gross Margin of 1N8 has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 40.52% | ||
| PM (TTM) | 40.51% | ||
| GM | 88.47% |
OM growth 3Y58.95%
OM growth 5Y29.15%
PM growth 3Y73.71%
PM growth 5Y36.03%
GM growth 3Y74.4%
GM growth 5Y34.53%
2. Health
2.1 Basic Checks
1N8 has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
The number of shares outstanding for 1N8 has been increased compared to 1 year ago.
Compared to 5 years ago, 1N8 has more shares outstanding
The debt/assets ratio for 1N8 has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.18 indicates that 1N8 is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 4.18, 1N8 belongs to the top of the industry, outperforming 80.39% of the companies in the same industry.
1N8 has a debt to FCF ratio of 0.07. This is a very positive value and a sign of high solvency as it would only need 0.07 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.07, 1N8 belongs to the top of the industry, outperforming 94.12% of the companies in the same industry.
1N8 has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of 1N8 (0.04) is better than 86.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 4.18 |
ROIC/WACC2.03
WACC7.53%
2.3 Liquidity
A Current Ratio of 1.48 indicates that 1N8 should not have too much problems paying its short term obligations.
1N8 has a Current ratio (1.48) which is comparable to the rest of the industry.
1N8 has a Quick Ratio of 1.47. This is a normal value and indicates that 1N8 is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of 1N8 (1.47) is comparable to the rest of the industry.
1N8 does not score too well on the current and quick ratio evaluation. However, as it has excellent solvency and profitability, these ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.47 |
3. Growth
3.1 Past
1N8 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.62%, which is quite good.
Measured over the past years, 1N8 shows a very strong growth in Earnings Per Share. The EPS has been growing by 34.72% on average per year.
The Revenue has grown by 19.86% in the past year. This is quite good.
Measured over the past years, 1N8 shows a decrease in Revenue. The Revenue has been decreasing by -3.25% on average per year.
EPS 1Y (TTM)19.62%
EPS 3Y24.61%
EPS 5Y34.72%
EPS Q2Q%15.74%
Revenue 1Y (TTM)19.86%
Revenue growth 3Y-27.84%
Revenue growth 5Y-3.25%
Sales Q2Q%19.72%
3.2 Future
1N8 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.33% yearly.
The Revenue is expected to grow by 19.29% on average over the next years. This is quite good.
EPS Next Y18.05%
EPS Next 2Y20.74%
EPS Next 3Y22.33%
EPS Next 5Y18.33%
Revenue Next Year19.66%
Revenue Next 2Y21.74%
Revenue Next 3Y21.63%
Revenue Next 5Y19.29%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 45.72, which means the current valuation is very expensive for 1N8.
1N8's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of 1N8 to the average of the S&P500 Index (27.40), we can say 1N8 is valued expensively.
A Price/Forward Earnings ratio of 33.55 indicates a quite expensive valuation of 1N8.
1N8's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1N8 is more expensive than 66.67% of the companies in the same industry.
1N8 is valuated rather expensively when we compare the Price/Forward Earnings ratio to 22.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 45.72 | ||
| Fwd PE | 33.55 |
4.2 Price Multiples
1N8's Enterprise Value to EBITDA is on the same level as the industry average.
1N8's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1N8 is cheaper than 64.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.18 | ||
| EV/EBITDA | 30.49 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1N8 does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of 1N8 may justify a higher PE ratio.
A more expensive valuation may be justified as 1N8's earnings are expected to grow with 22.33% in the coming years.
PEG (NY)2.53
PEG (5Y)1.32
EPS Next 2Y20.74%
EPS Next 3Y22.33%
5. Dividend
5.1 Amount
1N8 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:1N8 (10/17/2025, 7:00:00 PM)
1449.8
-15.2 (-1.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners80.63%
Inst Owner ChangeN/A
Ins Owners7.35%
Ins Owner ChangeN/A
Market Cap45.68B
Analysts80
Price Target1837.6 (26.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-2.1%
PT rev (3m)-4.23%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.4%
EPS NY rev (3m)-6.75%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.65%
Revenue NY rev (3m)-2.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 45.72 | ||
| Fwd PE | 33.55 | ||
| P/S | 18.57 | ||
| P/FCF | 12.18 | ||
| P/OCF | 11.84 | ||
| P/B | 9.77 | ||
| P/tB | 9.79 | ||
| EV/EBITDA | 30.49 |
EPS(TTM)31.71
EY2.19%
EPS(NY)43.21
Fwd EY2.98%
FCF(TTM)119.04
FCFY8.21%
OCF(TTM)122.41
OCFY8.44%
SpS78.06
BVpS148.37
TBVpS148.1
PEG (NY)2.53
PEG (5Y)1.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.15% | ||
| ROE | 21.32% | ||
| ROCE | 20.47% | ||
| ROIC | 15.3% | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 40.52% | ||
| PM (TTM) | 40.51% | ||
| GM | 88.47% | ||
| FCFM | 152.49% |
ROA(3y)7.6%
ROA(5y)7.44%
ROE(3y)22.46%
ROE(5y)22.95%
ROIC(3y)16.46%
ROIC(5y)18.16%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)22.02%
ROCE(5y)24.3%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y58.95%
OM growth 5Y29.15%
PM growth 3Y73.71%
PM growth 5Y36.03%
GM growth 3Y74.4%
GM growth 5Y34.53%
F-Score5
Asset Turnover0.18
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Debt/EBITDA | 0.17 | ||
| Cap/Depr | 91.46% | ||
| Cap/Sales | 4.32% | ||
| Interest Coverage | 65.58 | ||
| Cash Conversion | 346.59% | ||
| Profit Quality | 376.4% | ||
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.47 | ||
| Altman-Z | 4.18 |
F-Score5
WACC7.53%
ROIC/WACC2.03
Cap/Depr(3y)111.44%
Cap/Depr(5y)113.24%
Cap/Sales(3y)3.12%
Cap/Sales(5y)2.17%
Profit Quality(3y)257.28%
Profit Quality(5y)305.77%
High Growth Momentum
Growth
EPS 1Y (TTM)19.62%
EPS 3Y24.61%
EPS 5Y34.72%
EPS Q2Q%15.74%
EPS Next Y18.05%
EPS Next 2Y20.74%
EPS Next 3Y22.33%
EPS Next 5Y18.33%
Revenue 1Y (TTM)19.86%
Revenue growth 3Y-27.84%
Revenue growth 5Y-3.25%
Sales Q2Q%19.72%
Revenue Next Year19.66%
Revenue Next 2Y21.74%
Revenue Next 3Y21.63%
Revenue Next 5Y19.29%
EBIT growth 1Y32.48%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year38.73%
EBIT Next 3Y31.83%
EBIT Next 5Y24.35%
FCF growth 1Y344.47%
FCF growth 3Y-3.16%
FCF growth 5Y25.77%
OCF growth 1Y302.15%
OCF growth 3Y-2.16%
OCF growth 5Y26.35%