ADYEN NV (1N8.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:1N8 - NL0012969182 - Common Stock
1381 EUR
+5.2 (+0.38%)
We assign a fundamental rating of 6 out of 10 to 1N8. 1N8 was compared to 60 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making 1N8 a very profitable company, without any liquidiy or solvency issues. 1N8 is quite expensive at the moment. It does show a decent growth rate. This makes 1N8 very considerable 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.
- In the past 5 years 1N8 always reported a positive cash flow from operatings.
1.2 Ratios
- 1N8's Return On Assets of 7.15% is amongst the best of the industry. 1N8 outperforms 86.67% of its industry peers.
- Looking at the Return On Equity, with a value of 21.32%, 1N8 belongs to the top of the industry, outperforming 81.67% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 15.30%, 1N8 belongs to the top of the industry, outperforming 88.33% of the companies in the same industry.
- 1N8 had an Average Return On Invested Capital over the past 3 years of 16.46%. This is significantly above the industry average of 10.51%.
| 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
- 1N8's Profit Margin of 40.51% is amongst the best of the industry. 1N8 outperforms 86.67% of its industry peers.
- 1N8's Profit Margin has improved in the last couple of years.
- 1N8 has a Operating Margin of 40.52%. This is amongst the best in the industry. 1N8 outperforms 83.33% of its industry peers.
- In the last couple of years the Operating Margin of 1N8 has grown nicely.
- With an excellent Gross Margin value of 88.47%, 1N8 belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
- 1N8's Gross Margin has improved in the last couple of years.
| 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.
- 1N8 has more shares outstanding than it did 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 4.00 indicates that 1N8 is not in any danger for bankruptcy at the moment.
- With an excellent Altman-Z score value of 4.00, 1N8 belongs to the best of the industry, outperforming 81.67% 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.
- 1N8 has a better Debt to FCF ratio (0.07) than 95.00% of its industry peers.
- A Debt/Equity ratio of 0.04 indicates that 1N8 is not too dependend on debt financing.
- The Debt to Equity ratio of 1N8 (0.04) is better than 86.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 4 |
ROIC/WACC2.06
WACC7.44%
2.3 Liquidity
- A Current Ratio of 1.48 indicates that 1N8 should not have too much problems paying its short term obligations.
- The Current ratio of 1N8 (1.48) is comparable to the rest of the industry.
- A Quick Ratio of 1.47 indicates that 1N8 should not have too much problems paying its short term obligations.
- The Quick ratio of 1N8 (1.47) is better than 65.00% of its industry peers.
| 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.
- 1N8 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.86%.
- The Revenue has been decreasing by -3.25% on average over the past years.
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 18.15% yearly.
- Based on estimates for the next years, 1N8 will show a quite strong growth in Revenue. The Revenue will grow by 19.67% on average per year.
EPS Next Y17.34%
EPS Next 2Y19.58%
EPS Next 3Y21.19%
EPS Next 5Y18.15%
Revenue Next Year19.9%
Revenue Next 2Y21.38%
Revenue Next 3Y21.22%
Revenue Next 5Y19.67%
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- 1N8 is valuated quite expensively with a Price/Earnings ratio of 43.55.
- Compared to the rest of the industry, the Price/Earnings ratio of 1N8 indicates a slightly more expensive valuation: 1N8 is more expensive than 61.67% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of 1N8 to the average of the S&P500 Index (26.94), we can say 1N8 is valued expensively.
- A Price/Forward Earnings ratio of 32.58 indicates a quite expensive valuation of 1N8.
- Based on the Price/Forward Earnings ratio, 1N8 is valued a bit more expensive than the industry average as 65.00% of the companies are valued more cheaply.
- 1N8's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 23.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.55 | ||
| Fwd PE | 32.58 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1N8.
- 1N8's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1N8 is cheaper than 65.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.61 | ||
| EV/EBITDA | 27.98 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- 1N8 has an outstanding profitability rating, which may justify a higher PE ratio.
- 1N8's earnings are expected to grow with 21.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.51
PEG (5Y)1.25
EPS Next 2Y19.58%
EPS Next 3Y21.19%
5. Dividend
5.1 Amount
- 1N8 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:1N8 (1/20/2026, 7:00:00 PM)
1381
+5.2 (+0.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-18 2025-08-18/amc
Earnings (Next)02-11 2026-02-11/amc
Inst Owners79.02%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap43.53B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts79.51
Price Target1844.81 (33.59%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0.01%
PT rev (3m)0.39%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.12%
EPS NY rev (3m)-0.61%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.55 | ||
| Fwd PE | 32.58 | ||
| P/S | 17.7 | ||
| P/FCF | 11.61 | ||
| P/OCF | 11.29 | ||
| P/B | 9.31 | ||
| P/tB | 9.33 | ||
| EV/EBITDA | 27.98 |
EPS(TTM)31.71
EY2.3%
EPS(NY)42.38
Fwd EY3.07%
FCF(TTM)119
FCFY8.62%
OCF(TTM)122.37
OCFY8.86%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)2.51
PEG (5Y)1.25
Graham Number325.31
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%
ROICexgc growth 3YN/A
ROICexgc 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 |
F-Score5
WACC7.44%
ROIC/WACC2.06
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 Y17.34%
EPS Next 2Y19.58%
EPS Next 3Y21.19%
EPS Next 5Y18.15%
Revenue 1Y (TTM)19.86%
Revenue growth 3Y-27.84%
Revenue growth 5Y-3.25%
Sales Q2Q%19.72%
Revenue Next Year19.9%
Revenue Next 2Y21.38%
Revenue Next 3Y21.22%
Revenue Next 5Y19.67%
EBIT growth 1Y32.48%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year38.3%
EBIT Next 3Y30.65%
EBIT Next 5Y24.95%
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%
ADYEN NV / 1N8.DE FAQ
What is the ChartMill fundamental rating of ADYEN NV (1N8.DE) stock?
ChartMill assigns a fundamental rating of 6 / 10 to 1N8.DE.
Can you provide the valuation status for ADYEN NV?
ChartMill assigns a valuation rating of 3 / 10 to ADYEN NV (1N8.DE). This can be considered as Overvalued.
How profitable is ADYEN NV (1N8.DE) stock?
ADYEN NV (1N8.DE) has a profitability rating of 9 / 10.
Can you provide the PE and PB ratios for 1N8 stock?
The Price/Earnings (PE) ratio for ADYEN NV (1N8.DE) is 43.55 and the Price/Book (PB) ratio is 9.31.