ADYEN NV (ADYEN.AS) Stock Fundamental Analysis
AMS:ADYEN - NL0012969182 - Common Stock
1376.8 EUR
-17.6 (-1.26%)
Taking everything into account, ADYEN scores 6 out of 10 in our fundamental rating. ADYEN was compared to 50 industry peers in the Financial Services industry. ADYEN has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. ADYEN is valied quite expensively at the moment, while it does show a decent growth rate. With these ratings, ADYEN could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
ADYEN had positive earnings in the past year.
ADYEN had a positive operating cash flow in the past year.
ADYEN had positive earnings in each of the past 5 years.
Each year in the past 5 years ADYEN had a positive operating cash flow.
1.2 Ratios
ADYEN has a Return On Assets of 7.15%. This is in the better half of the industry: ADYEN outperforms 78.00% of its industry peers.
ADYEN's Return On Equity of 21.32% is fine compared to the rest of the industry. ADYEN outperforms 78.00% of its industry peers.
ADYEN has a better Return On Invested Capital (15.30%) than 86.00% 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 10.94%.
| 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 a decent Profit Margin value of 40.51%, ADYEN is doing good in the industry, outperforming 80.00% of the companies in the same industry.
ADYEN's Profit Margin has improved in the last couple of years.
ADYEN's Operating Margin of 40.52% is fine compared to the rest of the industry. ADYEN outperforms 76.00% 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 84.00% 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
ADYEN has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, ADYEN has more shares outstanding
The number of shares outstanding for ADYEN has been increased compared to 5 years ago.
ADYEN has a better debt/assets ratio than last year.
2.2 Solvency
ADYEN has an Altman-Z score of 4.04. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.
ADYEN has a Altman-Z score of 4.04. This is in the better half of the industry: ADYEN outperforms 74.00% of its industry peers.
The Debt to FCF ratio of ADYEN is 0.07, which is an excellent value as it means it would take ADYEN, only 0.07 years of fcf income to pay off all of its debts.
ADYEN has a Debt to FCF ratio of 0.07. This is amongst the best in the industry. ADYEN outperforms 94.00% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that ADYEN is not too dependend on debt financing.
The Debt to Equity ratio of ADYEN (0.04) is better than 86.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 4.04 |
ROIC/WACC2.07
WACC7.4%
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's Current ratio of 1.48 is in line compared to the rest of the industry. ADYEN outperforms 60.00% of its industry peers.
A Quick Ratio of 1.47 indicates that ADYEN should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.47, ADYEN is in line with its industry, outperforming 60.00% of the companies in the same industry.
ADYEN 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
The Earnings Per Share has grown by an nice 19.62% over the past year.
The Earnings Per Share has been growing by 34.72% on average over the past years. This is a very strong growth
The Revenue has grown by 19.86% in the past year. This is quite good.
ADYEN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.25% yearly.
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 19.51% on average over the next years. This is quite good.
ADYEN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.50% yearly.
EPS Next Y19.73%
EPS Next 2Y21.28%
EPS Next 3Y22.68%
EPS Next 5Y19.51%
Revenue Next Year20.78%
Revenue Next 2Y22.14%
Revenue Next 3Y21.93%
Revenue Next 5Y19.5%
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.
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
A Price/Earnings ratio of 43.42 indicates a quite expensive valuation of ADYEN.
Based on the Price/Earnings ratio, ADYEN is valued a bit more expensive than the industry average as 64.00% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of ADYEN to the average of the S&P500 Index (26.84), we can say ADYEN is valued expensively.
A Price/Forward Earnings ratio of 31.58 indicates a quite expensive valuation of ADYEN.
Based on the Price/Forward Earnings ratio, ADYEN is valued a bit more expensive than the industry average as 64.00% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.48, ADYEN is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.42 | ||
| Fwd PE | 31.58 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ADYEN is on the same level as its industry peers.
70.00% of the companies in the same industry are more expensive than ADYEN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.57 | ||
| EV/EBITDA | 28.49 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ADYEN does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of ADYEN may justify a higher PE ratio.
A more expensive valuation may be justified as ADYEN's earnings are expected to grow with 22.68% in the coming years.
PEG (NY)2.2
PEG (5Y)1.25
EPS Next 2Y21.28%
EPS Next 3Y22.68%
5. Dividend
5.1 Amount
ADYEN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMS:ADYEN (9/4/2025, 9:18:14 AM)
1376.8
-17.6 (-1.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners81.17%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap43.38B
Analysts80.51
Price Target1869.43 (35.78%)
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)-4.23%
PT rev (3m)-1.56%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-5.43%
EPS NY rev (3m)-5.43%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.98%
Revenue NY rev (3m)-1.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.42 | ||
| Fwd PE | 31.58 | ||
| P/S | 17.64 | ||
| P/FCF | 11.57 | ||
| P/OCF | 11.25 | ||
| P/B | 9.28 | ||
| P/tB | 9.3 | ||
| EV/EBITDA | 28.49 |
EPS(TTM)31.71
EY2.3%
EPS(NY)43.6
Fwd EY3.17%
FCF(TTM)119.04
FCFY8.65%
OCF(TTM)122.41
OCFY8.89%
SpS78.06
BVpS148.37
TBVpS148.1
PEG (NY)2.2
PEG (5Y)1.25
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 | 4.04 |
F-Score5
WACC7.4%
ROIC/WACC2.07
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 Y19.73%
EPS Next 2Y21.28%
EPS Next 3Y22.68%
EPS Next 5Y19.51%
Revenue 1Y (TTM)19.86%
Revenue growth 3Y-27.84%
Revenue growth 5Y-3.25%
Sales Q2Q%19.72%
Revenue Next Year20.78%
Revenue Next 2Y22.14%
Revenue Next 3Y21.93%
Revenue Next 5Y19.5%
EBIT growth 1Y32.48%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year41.4%
EBIT Next 3Y33.79%
EBIT Next 5Y24.53%
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%