ADYEN NV (ADYEN.AS) Stock Fundamental Analysis
Europe - AMS:ADYEN - NL0012969182 - Common Stock
1516.4 EUR
-5.2 (-0.34%)
Taking everything into account, ADYEN scores 7 out of 10 in our fundamental rating. ADYEN was compared to 51 industry peers in the Financial Services industry. ADYEN gets an excellent profitability rating and is at the same time showing great financial health properties. While showing a medium growth rate, ADYEN is valued expensive at the moment. These ratings would make ADYEN suitable for quality investing!
1. Profitability
1.1 Basic Checks
ADYEN had positive earnings in the past year.
In the past year ADYEN had a positive cash flow from operations.
ADYEN had positive earnings in each of the past 5 years.
In the past 5 years ADYEN always reported a positive cash flow from operatings.
1.2 Ratios
ADYEN has a Return On Assets of 7.15%. This is amongst the best in the industry. ADYEN outperforms 88.24% of its industry peers.
Looking at the Return On Equity, with a value of 21.32%, ADYEN belongs to the top of the industry, outperforming 80.39% of the companies in the same industry.
ADYEN has a Return On Invested Capital of 15.30%. This is amongst the best in the industry. ADYEN outperforms 88.24% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ADYEN is significantly above the industry average of 10.03%.
| 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
With an excellent Profit Margin value of 40.51%, ADYEN belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
ADYEN's Profit Margin has improved in the last couple of years.
ADYEN has a better Operating Margin (40.52%) than 80.39% of its industry peers.
ADYEN's Operating Margin has improved in the last couple of years.
ADYEN's Gross Margin of 88.47% is amongst the best of the industry. ADYEN outperforms 88.24% of its industry peers.
In the last couple of years the Gross Margin of ADYEN 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), ADYEN is creating value.
ADYEN has more shares outstanding than it did 1 year ago.
ADYEN has more shares outstanding than it did 5 years ago.
ADYEN has a better debt/assets ratio than last year.
2.2 Solvency
ADYEN has an Altman-Z score of 4.30. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.
ADYEN has a Altman-Z score of 4.30. This is amongst the best in the industry. ADYEN outperforms 82.35% of its industry peers.
ADYEN 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.
ADYEN has a better Debt to FCF ratio (0.07) than 94.12% of its industry peers.
ADYEN has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
ADYEN has a better Debt to Equity ratio (0.04) than 86.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 4.3 |
ROIC/WACC2.03
WACC7.53%
2.3 Liquidity
ADYEN has a Current Ratio of 1.48. This is a normal value and indicates that ADYEN is financially healthy and should not expect problems in meeting its short term obligations.
ADYEN has a Current ratio of 1.48. This is comparable to the rest of the industry: ADYEN outperforms 52.94% of its industry peers.
A Quick Ratio of 1.47 indicates that ADYEN should not have too much problems paying its short term obligations.
ADYEN has a Quick ratio (1.47) which is in line with its industry peers.
The current and quick ratio evaluation for ADYEN is rather negative, while it does have 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
ADYEN 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, ADYEN shows a very strong growth in Earnings Per Share. The EPS has been growing by 34.72% on average per year.
Looking at the last year, ADYEN shows a quite strong growth in Revenue. The Revenue has grown by 19.86% in the last year.
Measured over the past years, ADYEN 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
The Earnings Per Share is expected to grow by 18.33% on average over the next years. This is quite good.
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
ADYEN is valuated quite expensively with a Price/Earnings ratio of 47.82.
Based on the Price/Earnings ratio, ADYEN is valued a bit more expensive than 60.78% of the companies in the same industry.
ADYEN is valuated expensively when we compare the Price/Earnings ratio to 26.19, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 35.09, ADYEN can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, ADYEN is valued a bit more expensive than 66.67% of the companies in the same industry.
ADYEN's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.50.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.82 | ||
| Fwd PE | 35.09 |
4.2 Price Multiples
ADYEN's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ADYEN indicates a somewhat cheap valuation: ADYEN is cheaper than 62.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.74 | ||
| EV/EBITDA | 32.11 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
ADYEN has an outstanding profitability rating, which may justify a higher PE ratio.
ADYEN's earnings are expected to grow with 22.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.65
PEG (5Y)1.38
EPS Next 2Y20.74%
EPS Next 3Y22.33%
5. Dividend
5.1 Amount
ADYEN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMS:ADYEN (10/30/2025, 7:00:00 PM)
1516.4
-5.2 (-0.34%)
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 Cap47.80B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts80
Price Target1837.6 (21.18%)
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)-1.78%
PT rev (3m)-5.86%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
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 | 47.82 | ||
| Fwd PE | 35.09 | ||
| P/S | 19.43 | ||
| P/FCF | 12.74 | ||
| P/OCF | 12.39 | ||
| P/B | 10.22 | ||
| P/tB | 10.24 | ||
| EV/EBITDA | 32.11 |
EPS(TTM)31.71
EY2.09%
EPS(NY)43.21
Fwd EY2.85%
FCF(TTM)119
FCFY7.85%
OCF(TTM)122.37
OCFY8.07%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)2.65
PEG (5Y)1.38
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 | 4.3 |
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%
ADYEN NV / ADYEN.AS FAQ
What is the ChartMill fundamental rating of ADYEN NV (ADYEN.AS) stock?
ChartMill assigns a fundamental rating of 7 / 10 to ADYEN.AS.
What is the valuation status for ADYEN stock?
ChartMill assigns a valuation rating of 3 / 10 to ADYEN NV (ADYEN.AS). This can be considered as Overvalued.
How profitable is ADYEN NV (ADYEN.AS) stock?
ADYEN NV (ADYEN.AS) has a profitability rating of 9 / 10.
Can you provide the financial health for ADYEN stock?
The financial health rating of ADYEN NV (ADYEN.AS) is 8 / 10.