ADYEN NV (ADYEN.AS) Stock Fundamental Analysis

Europe • Euronext Amsterdam • AMS:ADYEN • NL0012969182

1156.2 EUR
-80.2 (-6.49%)
Last: Feb 11, 2026, 05:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

Overall ADYEN gets a fundamental rating of 6 out of 10. We evaluated ADYEN against 59 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 quite expensive at the moment. It does show a decent growth rate. These ratings could make ADYEN a good candidate for quality investing.


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

  • In the past year ADYEN was profitable.
  • ADYEN had a positive operating cash flow in the past year.
  • Each year in the past 5 years ADYEN has been profitable.
  • In the past 5 years ADYEN always reported a positive cash flow from operatings.
ADYEN.AS Yearly Net Income VS EBIT VS OCF VS FCFADYEN.AS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

1.2 Ratios

  • The Return On Assets of ADYEN (7.15%) is better than 89.83% 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 84.75% of the companies in the same industry.
  • ADYEN has a better Return On Invested Capital (15.30%) than 91.53% of its industry peers.
  • ADYEN had an Average Return On Invested Capital over the past 3 years of 16.46%. This is significantly above the industry average of 9.72%.
Industry RankSector 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%
ADYEN.AS Yearly ROA, ROE, ROICADYEN.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • The Profit Margin of ADYEN (40.51%) is better than 88.14% of its industry peers.
  • ADYEN's Profit Margin has improved in the last couple of years.
  • ADYEN has a Operating Margin of 40.52%. This is amongst the best in the industry. ADYEN outperforms 84.75% of its industry peers.
  • In the last couple of years the Operating Margin of ADYEN has grown nicely.
  • ADYEN's Gross Margin of 88.47% is amongst the best of the industry. ADYEN outperforms 91.53% of its industry peers.
  • In the last couple of years the Gross Margin of ADYEN has grown nicely.
Industry RankSector 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%
ADYEN.AS Yearly Profit, Operating, Gross MarginsADYEN.AS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so ADYEN is creating value.
  • The number of shares outstanding for ADYEN has been increased compared to 1 year ago.
  • Compared to 5 years ago, ADYEN has more shares outstanding
  • Compared to 1 year ago, ADYEN has an improved debt to assets ratio.
ADYEN.AS Yearly Shares OutstandingADYEN.AS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
ADYEN.AS Yearly Total Debt VS Total AssetsADYEN.AS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • ADYEN has an Altman-Z score of 3.72. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.72, ADYEN is in the better half of the industry, outperforming 77.97% of the companies in the same industry.
  • 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 96.61% 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 88.14% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.07
Altman-Z 3.72
ROIC/WACC2.06
WACC7.44%
ADYEN.AS Yearly LT Debt VS Equity VS FCFADYEN.AS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 1.48 indicates that ADYEN should not have too much problems paying its short term obligations.
  • ADYEN has a better Current ratio (1.48) than 62.71% of its industry peers.
  • ADYEN has a Quick Ratio of 1.47. 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 Quick ratio of 1.47 is fine compared to the rest of the industry. ADYEN outperforms 67.80% of its industry peers.
Industry RankSector Rank
Current Ratio 1.48
Quick Ratio 1.47
ADYEN.AS Yearly Current Assets VS Current LiabilitesADYEN.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

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
  • ADYEN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.86%.
  • 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 18.15% 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 19.67% yearly.
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

  • 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.
ADYEN.AS Yearly Revenue VS EstimatesADYEN.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2B 4B 6B 8B
ADYEN.AS Yearly EPS VS EstimatesADYEN.AS Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 20 40 60 80

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • ADYEN is valuated quite expensively with a Price/Earnings ratio of 36.46.
  • Based on the Price/Earnings ratio, ADYEN is valued a bit more expensive than 61.02% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.03, ADYEN is valued a bit more expensive.
  • With a Price/Forward Earnings ratio of 27.28, ADYEN can be considered very expensive at the moment.
  • Based on the Price/Forward Earnings ratio, ADYEN is valued a bit more expensive than 66.10% of the companies in the same industry.
  • ADYEN is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 36.46
Fwd PE 27.28
ADYEN.AS Price Earnings VS Forward Price EarningsADYEN.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • ADYEN's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Based on the Price/Free Cash Flow ratio, ADYEN is valued a bit cheaper than the industry average as 72.88% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.72
EV/EBITDA 24.03
ADYEN.AS Per share dataADYEN.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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.
  • A more expensive valuation may be justified as ADYEN's earnings are expected to grow with 21.19% in the coming years.
PEG (NY)2.1
PEG (5Y)1.05
EPS Next 2Y19.58%
EPS Next 3Y21.19%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for ADYEN!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ADYEN NV

AMS:ADYEN (2/11/2026, 5:36:15 PM)

1156.2

-80.2 (-6.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-18
Earnings (Next)02-12
Inst Owners79.02%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap36.44B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts79.51
Price Target1837.12 (58.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-0.6%
PT rev (3m)0.16%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 36.46
Fwd PE 27.28
P/S 14.82
P/FCF 9.72
P/OCF 9.45
P/B 7.8
P/tB 7.81
EV/EBITDA 24.03
EPS(TTM)31.71
EY2.74%
EPS(NY)42.38
Fwd EY3.67%
FCF(TTM)119
FCFY10.29%
OCF(TTM)122.37
OCFY10.58%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)2.1
PEG (5Y)1.05
Graham Number325.31
Profitability
Industry RankSector 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 RankSector 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 3.72
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 / ADYEN.AS FAQ

What is the ChartMill fundamental rating of ADYEN NV (ADYEN.AS) stock?

ChartMill assigns a fundamental rating of 6 / 10 to ADYEN.AS.


Can you provide the valuation status for ADYEN NV?

ChartMill assigns a valuation rating of 3 / 10 to ADYEN NV (ADYEN.AS). This can be considered as Overvalued.


What is the profitability of ADYEN stock?

ADYEN NV (ADYEN.AS) has a profitability rating of 9 / 10.


What is the valuation of ADYEN NV based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ADYEN NV (ADYEN.AS) is 36.46 and the Price/Book (PB) ratio is 7.8.


What is the earnings growth outlook for ADYEN NV?

The Earnings per Share (EPS) of ADYEN NV (ADYEN.AS) is expected to grow by 17.34% in the next year.