ADYEN NV (ADYEN.AS) Stock Fundamental Analysis
Europe - AMS:ADYEN - NL0012969182 - Common Stock
1446.6 EUR
-17.8 (-1.22%)
Taking everything into account, ADYEN scores 7 out of 10 in our fundamental rating. ADYEN was compared to 50 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!
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.
ADYEN had positive earnings in each of the past 5 years.
ADYEN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ADYEN's Return On Assets of 7.15% is amongst the best of the industry. ADYEN outperforms 88.46% of its industry peers.
ADYEN has a Return On Equity of 21.32%. This is amongst the best in the industry. ADYEN outperforms 84.62% of its industry peers.
ADYEN's Return On Invested Capital of 15.30% is amongst the best of the industry. ADYEN outperforms 92.31% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ADYEN is significantly above the industry average of 8.73%.
| 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
Looking at the Profit Margin, with a value of 40.51%, ADYEN belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
In the last couple of years the Profit Margin of ADYEN has grown nicely.
With an excellent Operating Margin value of 40.52%, ADYEN belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.
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 90.38% 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.
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.
2.2 Solvency
An Altman-Z score of 4.15 indicates that ADYEN is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 4.15, ADYEN is doing good in the industry, outperforming 78.85% of the companies in the same industry.
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's Debt to FCF ratio of 0.07 is amongst the best of the industry. ADYEN outperforms 96.15% 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 Debt to Equity ratio of 0.04. This is amongst the best in the industry. ADYEN outperforms 88.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 4.15 |
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.
The Current ratio of ADYEN (1.48) is comparable to the rest of the industry.
A Quick Ratio of 1.47 indicates that ADYEN should not have too much problems paying its short term obligations.
The Quick ratio of ADYEN (1.47) is comparable to the rest of the 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.
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.
The Revenue has grown by 19.86% in the past year. This is quite good.
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
ADYEN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.33% yearly.
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.
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
With a Price/Earnings ratio of 45.62, ADYEN can be considered very expensive at the moment.
ADYEN's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.42, ADYEN is valued quite expensively.
The Price/Forward Earnings ratio is 33.48, which means the current valuation is very expensive for ADYEN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ADYEN indicates a slightly more expensive valuation: ADYEN is more expensive than 63.46% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ADYEN to the average of the S&P500 Index (22.94), we can say ADYEN is valued slightly more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 45.62 | ||
| Fwd PE | 33.48 |
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.
Based on the Price/Free Cash Flow ratio, ADYEN is valued a bit cheaper than 65.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.16 | ||
| EV/EBITDA | 29.98 |
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 22.33% in the coming years.
PEG (NY)2.53
PEG (5Y)1.31
EPS Next 2Y20.74%
EPS Next 3Y22.33%
5. Dividend
5.1 Amount
No dividends for ADYEN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMS:ADYEN (10/17/2025, 7:00:00 PM)
1446.6
-17.8 (-1.22%)
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 Cap45.60B
Analysts80
Price Target1837.6 (27.03%)
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)-1.4%
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 | 45.62 | ||
| Fwd PE | 33.48 | ||
| P/S | 18.54 | ||
| P/FCF | 12.16 | ||
| P/OCF | 11.82 | ||
| P/B | 9.75 | ||
| P/tB | 9.77 | ||
| EV/EBITDA | 29.98 |
EPS(TTM)31.71
EY2.19%
EPS(NY)43.21
Fwd EY2.99%
FCF(TTM)119
FCFY8.23%
OCF(TTM)122.37
OCFY8.46%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)2.53
PEG (5Y)1.31
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%
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 | 4.15 |
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%