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ADYEN NV (ADYEN.AS) Stock Fundamental Analysis

AMS:ADYEN - Euronext Amsterdam - NL0012969182 - Common Stock - Currency: EUR

1519  +8 (+0.53%)

Fundamental Rating

6

Taking everything into account, ADYEN scores 6 out of 10 in our fundamental rating. ADYEN was compared to 46 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. This makes ADYEN very considerable for quality investing!


Dividend Valuation Growth Profitability Health

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9

1. Profitability

1.1 Basic Checks

In the past year ADYEN was profitable.
In the past year ADYEN had a positive cash flow from operations.
In the past 5 years ADYEN has always 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

1.2 Ratios

ADYEN has a better Return On Assets (8.10%) than 80.39% of its industry peers.
The Return On Equity of ADYEN (21.86%) is better than 74.51% of its industry peers.
ADYEN's Return On Invested Capital of 15.06% is amongst the best of the industry. ADYEN outperforms 84.31% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ADYEN is significantly above the industry average of 9.04%.
Industry RankSector Rank
ROA 8.1%
ROE 21.86%
ROIC 15.06%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

With an excellent Profit Margin value of 41.07%, ADYEN belongs to the best of the industry, outperforming 80.39% of the companies in the same industry.
ADYEN's Profit Margin has improved in the last couple of years.
ADYEN has a Operating Margin of 39.41%. This is in the better half of the industry: ADYEN outperforms 74.51% of its industry peers.
In the last couple of years the Operating Margin of ADYEN has grown nicely.
ADYEN's Gross Margin of 88.61% is amongst the best of the industry. ADYEN outperforms 84.31% of its industry peers.
ADYEN's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 39.41%
PM (TTM) 41.07%
GM 88.61%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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7

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.
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
ADYEN has a better debt/assets ratio than last year.
ADYEN.AS Yearly Shares OutstandingADYEN.AS Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

An Altman-Z score of 5.30 indicates that ADYEN is not in any danger for bankruptcy at the moment.
ADYEN's Altman-Z score of 5.30 is fine compared to the rest of the industry. ADYEN outperforms 78.43% of its industry peers.
The Debt to FCF ratio of ADYEN is 0.14, which is an excellent value as it means it would take ADYEN, only 0.14 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of ADYEN (0.14) is better than 96.08% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that ADYEN is not too dependend on debt financing.
ADYEN's Debt to Equity ratio of 0.04 is amongst the best of the industry. ADYEN outperforms 86.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.14
Altman-Z 5.3
ROIC/WACC2.02
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.3 Liquidity

A Current Ratio of 1.55 indicates that ADYEN should not have too much problems paying its short term obligations.
ADYEN has a better Current ratio (1.55) than 72.55% of its industry peers.
A Quick Ratio of 1.54 indicates that ADYEN should not have too much problems paying its short term obligations.
ADYEN has a Quick ratio of 1.54. This is in the better half of the industry: ADYEN outperforms 72.55% of its industry peers.
Industry RankSector Rank
Current Ratio 1.55
Quick Ratio 1.54
ADYEN.AS Yearly Current Assets VS Current LiabilitesADYEN.AS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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6

3. Growth

3.1 Past

ADYEN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.14%, which is quite impressive.
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 very strong growth in Revenue. The Revenue has grown by 20.89%.
The Revenue has been decreasing by -3.25% on average over the past years.
EPS 1Y (TTM)32.14%
EPS 3Y24.61%
EPS 5Y34.72%
EPS Q2Q%23.43%
Revenue 1Y (TTM)20.89%
Revenue growth 3Y-27.84%
Revenue growth 5Y-3.25%
Sales Q2Q%22.07%

3.2 Future

Based on estimates for the next years, ADYEN will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.66% on average per year.
Based on estimates for the next years, ADYEN will show a quite strong growth in Revenue. The Revenue will grow by 19.97% on average per year.
EPS Next Y26.6%
EPS Next 2Y26.24%
EPS Next 3Y26.57%
EPS Next 5Y18.66%
Revenue Next Year23.08%
Revenue Next 2Y23.99%
Revenue Next 3Y23.53%
Revenue Next 5Y19.97%

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.
ADYEN.AS Yearly Revenue VS EstimatesADYEN.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 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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2

4. Valuation

4.1 Price/Earnings Ratio

ADYEN is valuated quite expensively with a Price/Earnings ratio of 51.25.
68.63% of the companies in the same industry are cheaper than ADYEN, based on the Price/Earnings ratio.
ADYEN's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.41.
A Price/Forward Earnings ratio of 40.48 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 70.59% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, ADYEN is valued at the same level.
Industry RankSector Rank
PE 51.25
Fwd PE 40.48
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 40 50

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ADYEN is valued a bit more expensive than 62.75% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ADYEN is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 29.85
EV/EBITDA 38.49
ADYEN.AS Per share dataADYEN.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

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.
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 26.57% in the coming years.
PEG (NY)1.93
PEG (5Y)1.48
EPS Next 2Y26.24%
EPS Next 3Y26.57%

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0

5. Dividend

5.1 Amount

ADYEN does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ADYEN NV

AMS:ADYEN (7/11/2025, 7:00:00 PM)

1519

+8 (+0.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13 2025-02-13/amc
Earnings (Next)08-14 2025-08-14
Inst Owners81.17%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap47.86B
Analysts81.43
Price Target1915.35 (26.09%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-0.01%
PT rev (3m)-5.11%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.66%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.25%
Valuation
Industry RankSector Rank
PE 51.25
Fwd PE 40.48
P/S 21.25
P/FCF 29.85
P/OCF 28.08
P/B 11.31
P/tB 11.33
EV/EBITDA 38.49
EPS(TTM)29.64
EY1.95%
EPS(NY)37.52
Fwd EY2.47%
FCF(TTM)50.89
FCFY3.35%
OCF(TTM)54.1
OCFY3.56%
SpS71.49
BVpS134.29
TBVpS134.02
PEG (NY)1.93
PEG (5Y)1.48
Profitability
Industry RankSector Rank
ROA 8.1%
ROE 21.86%
ROCE 20.14%
ROIC 15.06%
ROICexc N/A
ROICexgc N/A
OM 39.41%
PM (TTM) 41.07%
GM 88.61%
FCFM 71.18%
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-Score8
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.14
Debt/EBITDA 0.17
Cap/Depr 96.92%
Cap/Sales 4.49%
Interest Coverage 33.2
Cash Conversion 171.8%
Profit Quality 173.32%
Current Ratio 1.55
Quick Ratio 1.54
Altman-Z 5.3
F-Score8
WACC7.44%
ROIC/WACC2.02
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)32.14%
EPS 3Y24.61%
EPS 5Y34.72%
EPS Q2Q%23.43%
EPS Next Y26.6%
EPS Next 2Y26.24%
EPS Next 3Y26.57%
EPS Next 5Y18.66%
Revenue 1Y (TTM)20.89%
Revenue growth 3Y-27.84%
Revenue growth 5Y-3.25%
Sales Q2Q%22.07%
Revenue Next Year23.08%
Revenue Next 2Y23.99%
Revenue Next 3Y23.53%
Revenue Next 5Y19.97%
EBIT growth 1Y35.02%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year41.4%
EBIT Next 3Y33.79%
EBIT Next 5Y28.02%
FCF growth 1Y-10.93%
FCF growth 3Y-3.16%
FCF growth 5Y25.77%
OCF growth 1Y-8.84%
OCF growth 3Y-2.16%
OCF growth 5Y26.35%