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ADYEN NV (ADYEN.AS) Stock Fundamental Analysis

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

1677.2  +21 (+1.27%)

Fundamental Rating

6

ADYEN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 47 industry peers in the Financial Services industry. ADYEN scores excellent points on both the profitability and health parts. This is a solid base for a good stock. ADYEN is valued quite expensive, but it does show an excellent growth. These ratings would make ADYEN suitable for growth and quality investing!


Dividend Valuation Growth Profitability Health

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8

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.
In the past 5 years ADYEN has always been profitable.
ADYEN had a positive operating cash flow in each of the past 5 years.
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 Return On Assets of 8.10%. This is amongst the best in the industry. ADYEN outperforms 80.85% of its industry peers.
ADYEN's Return On Equity of 21.86% is fine compared to the rest of the industry. ADYEN outperforms 74.47% of its industry peers.
The Return On Invested Capital of ADYEN (15.06%) is better than 85.11% of its industry peers.
ADYEN had an Average Return On Invested Capital over the past 3 years of 16.46%. This is above the industry average of 11.50%.
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

The Profit Margin of ADYEN (41.07%) is better than 80.85% of its industry peers.
In the last couple of years the Profit Margin of ADYEN has grown nicely.
Looking at the Operating Margin, with a value of 39.41%, ADYEN is in the better half of the industry, outperforming 74.47% of the companies in the same industry.
ADYEN's Operating Margin has improved in the last couple of years.
ADYEN has a better Gross Margin (88.61%) than 82.98% 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.
ADYEN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for ADYEN has been increased compared to 5 years ago.
Compared to 1 year ago, ADYEN has an improved debt to assets ratio.
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

ADYEN has an Altman-Z score of 5.66. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 5.66, ADYEN belongs to the best of the industry, outperforming 85.11% of the companies in the same industry.
ADYEN has a debt to FCF ratio of 0.14. This is a very positive value and a sign of high solvency as it would only need 0.14 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.14, ADYEN belongs to the best of the industry, outperforming 95.74% of the companies in the same industry.
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 85.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.14
Altman-Z 5.66
ROIC/WACC1.99
WACC7.58%
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.
Looking at the Current ratio, with a value of 1.55, ADYEN is in the better half of the industry, outperforming 70.21% of the companies in the same industry.
ADYEN has a Quick Ratio of 1.54. 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 1.54 is fine compared to the rest of the industry. ADYEN outperforms 70.21% 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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7

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%.
ADYEN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.25% yearly.
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 19.09% on average per year.
ADYEN is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.40% yearly.
EPS Next Y26.6%
EPS Next 2Y26.24%
EPS Next 3Y26.57%
EPS Next 5Y19.09%
Revenue Next Year23.08%
Revenue Next 2Y23.99%
Revenue Next 3Y23.53%
Revenue Next 5Y20.4%

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.
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

With a Price/Earnings ratio of 56.59, ADYEN can be considered very expensive at the moment.
65.96% of the companies in the same industry are cheaper than ADYEN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ADYEN to the average of the S&P500 Index (26.32), we can say ADYEN is valued expensively.
ADYEN is valuated quite expensively with a Price/Forward Earnings ratio of 44.70.
68.09% of the companies in the same industry are cheaper than ADYEN, based on the Price/Forward Earnings ratio.
ADYEN's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.13.
Industry RankSector Rank
PE 56.59
Fwd PE 44.7
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

ADYEN's Enterprise Value to EBITDA ratio is in line with the industry average.
ADYEN's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 32.94
EV/EBITDA 42.81
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.
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 26.57% in the coming years.
PEG (NY)2.13
PEG (5Y)1.63
EPS Next 2Y26.24%
EPS Next 3Y26.57%

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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 (6/16/2025, 2:11:17 PM)

1677.2

+21 (+1.27%)

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 Cap52.82B
Analysts80.48
Price Target1915.45 (14.21%)
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)0.86%
PT rev (3m)-4.86%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.92%
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 56.59
Fwd PE 44.7
P/S 23.45
P/FCF 32.94
P/OCF 30.98
P/B 12.48
P/tB 12.51
EV/EBITDA 42.81
EPS(TTM)29.64
EY1.77%
EPS(NY)37.52
Fwd EY2.24%
FCF(TTM)50.92
FCFY3.04%
OCF(TTM)54.14
OCFY3.23%
SpS71.54
BVpS134.38
TBVpS134.11
PEG (NY)2.13
PEG (5Y)1.63
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 5.66
F-Score8
WACC7.58%
ROIC/WACC1.99
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 5Y19.09%
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 5Y20.4%
EBIT growth 1Y35.02%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year41.4%
EBIT Next 3Y33.79%
EBIT Next 5Y27.62%
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%