10 USD
0 (0%)
At close: Oct 14, 2025
9.99 USD
-0.01 (-0.1%)
After Hours: 10/14/2025, 8:00:00 PM
We assign a fundamental rating of 4 out of 10 to AVDX. AVDX was compared to 96 industry peers in the Financial Services industry. The financial health of AVDX is average, but there are quite some concerns on its profitability. AVDX is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
- In the past year AVDX was profitable.
- In the past year AVDX had a positive cash flow from operations.
- In the past 5 years AVDX reported 4 times negative net income.
- In multiple years AVDX reported negative operating cash flow during the last 5 years.
1.2 Ratios
- AVDX's Return On Assets of -0.40% is on the low side compared to the rest of the industry. AVDX is outperformed by 76.77% of its industry peers.
- AVDX's Return On Equity of -1.17% is on the low side compared to the rest of the industry. AVDX is outperformed by 73.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.4% | ||
| ROE | -1.17% | ||
| ROIC | N/A |
ROA(3y)-2.03%
ROA(5y)-7.78%
ROE(3y)-7.14%
ROE(5y)-20.83%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- AVDX has a Gross Margin of 72.52%. This is amongst the best in the industry. AVDX outperforms 80.81% of its industry peers.
- AVDX's Gross Margin has improved in the last couple of years.
- AVDX does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 72.52% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.57%
GM growth 5Y6.61%
2. Health
2.1 Basic Checks
- AVDX does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for AVDX remains at a similar level compared to 1 year ago.
- AVDX has more shares outstanding than it did 5 years ago.
- AVDX has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.67, we must say that AVDX is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 0.67, AVDX perfoms like the industry average, outperforming 52.53% of the companies in the same industry.
- The Debt to FCF ratio of AVDX is 1.15, which is an excellent value as it means it would take AVDX, only 1.15 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 1.15, AVDX is doing good in the industry, outperforming 78.79% of the companies in the same industry.
- AVDX has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of AVDX (0.10) is better than 80.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.15 | ||
| Altman-Z | 0.67 |
ROIC/WACCN/A
WACC8.67%
2.3 Liquidity
- AVDX has a Current Ratio of 1.33. This is a normal value and indicates that AVDX is financially healthy and should not expect problems in meeting its short term obligations.
- With a decent Current ratio value of 1.33, AVDX is doing good in the industry, outperforming 61.62% of the companies in the same industry.
- AVDX has a Quick Ratio of 1.33. This is a normal value and indicates that AVDX is financially healthy and should not expect problems in meeting its short term obligations.
- With a decent Quick ratio value of 1.33, AVDX is doing good in the industry, outperforming 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.33 | ||
| Quick Ratio | 1.33 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 38.89% over the past year.
- The Revenue has grown by 8.04% in the past year. This is quite good.
- The Revenue has been growing by 24.02% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)38.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)8.04%
Revenue growth 3Y20.9%
Revenue growth 5Y24.02%
Sales Q2Q%5.17%
3.2 Future
- Based on estimates for the next years, AVDX will show a very strong growth in Earnings Per Share. The EPS will grow by 31.94% on average per year.
- AVDX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.59% yearly.
EPS Next Y8.08%
EPS Next 2Y16.17%
EPS Next 3Y12.07%
EPS Next 5Y31.94%
Revenue Next Year3.61%
Revenue Next 2Y6.58%
Revenue Next 3Y7.48%
Revenue Next 5Y12.59%
3.3 Evolution
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 40.00, the valuation of AVDX can be described as expensive.
- 69.70% of the companies in the same industry are cheaper than AVDX, based on the Price/Earnings ratio.
- AVDX's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 28.18.
- AVDX is valuated quite expensively with a Price/Forward Earnings ratio of 29.64.
- Based on the Price/Forward Earnings ratio, AVDX is valued a bit more expensive than 72.73% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of AVDX to the average of the S&P500 Index (28.01), we can say AVDX is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40 | ||
| Fwd PE | 29.64 |
4.2 Price Multiples
- AVDX's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. AVDX is more expensive than 67.68% of the companies in the same industry.
- AVDX's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.05 | ||
| EV/EBITDA | 90.19 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AVDX does not grow enough to justify the current Price/Earnings ratio.
- AVDX's earnings are expected to grow with 12.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.95
PEG (5Y)N/A
EPS Next 2Y16.17%
EPS Next 3Y12.07%
5. Dividend
5.1 Amount
- AVDX does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-06 2025-11-06/bmo
Inst Owners79.28%
Inst Owner Change-23.28%
Ins Owners8.97%
Ins Owner Change-75.26%
Market Cap2.08B
Revenue(TTM)446.72M
Net Income(TTM)-8.06M
Analysts52.86
Price Target9.76 (-2.4%)
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)0
Avg EPS beat(2)-14.22%
Min EPS beat(2)-16.21%
Max EPS beat(2)-12.23%
EPS beat(4)2
Avg EPS beat(4)-2.99%
Min EPS beat(4)-16.21%
Max EPS beat(4)13.03%
EPS beat(8)6
Avg EPS beat(8)72.04%
EPS beat(12)10
Avg EPS beat(12)70.39%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.57%
Min Revenue beat(2)-3.42%
Max Revenue beat(2)-1.72%
Revenue beat(4)0
Avg Revenue beat(4)-1.69%
Min Revenue beat(4)-3.42%
Max Revenue beat(4)-0.24%
Revenue beat(8)3
Avg Revenue beat(8)-0.52%
Revenue beat(12)6
Avg Revenue beat(12)0.08%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-0.56%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)7.46%
EPS NY rev (1m)0%
EPS NY rev (3m)3.91%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40 | ||
| Fwd PE | 29.64 | ||
| P/S | 4.65 | ||
| P/FCF | 33.05 | ||
| P/OCF | 24.84 | ||
| P/B | 3.02 | ||
| P/tB | 4.55 | ||
| EV/EBITDA | 90.19 |
EPS(TTM)0.25
EY2.5%
EPS(NY)0.34
Fwd EY3.37%
FCF(TTM)0.3
FCFY3.03%
OCF(TTM)0.4
OCFY4.03%
SpS2.15
BVpS3.31
TBVpS2.2
PEG (NY)4.95
PEG (5Y)N/A
Graham Number4.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.4% | ||
| ROE | -1.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 72.52% | ||
| FCFM | 14.07% |
ROA(3y)-2.03%
ROA(5y)-7.78%
ROE(3y)-7.14%
ROE(5y)-20.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.57%
GM growth 5Y6.61%
F-Score7
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.15 | ||
| Debt/EBITDA | 3.65 | ||
| Cap/Depr | 59.47% | ||
| Cap/Sales | 4.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 451.35% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.33 | ||
| Quick Ratio | 1.33 | ||
| Altman-Z | 0.67 |
F-Score7
WACC8.67%
ROIC/WACCN/A
Cap/Depr(3y)63.99%
Cap/Depr(5y)68.22%
Cap/Sales(3y)6.1%
Cap/Sales(5y)7.56%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y8.08%
EPS Next 2Y16.17%
EPS Next 3Y12.07%
EPS Next 5Y31.94%
Revenue 1Y (TTM)8.04%
Revenue growth 3Y20.9%
Revenue growth 5Y24.02%
Sales Q2Q%5.17%
Revenue Next Year3.61%
Revenue Next 2Y6.58%
Revenue Next 3Y7.48%
Revenue Next 5Y12.59%
EBIT growth 1Y13.34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year24575.1%
EBIT Next 3Y632.46%
EBIT Next 5Y284.52%
FCF growth 1Y295.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y672.29%
OCF growth 3YN/A
OCF growth 5YN/A
AVIDXCHANGE HOLDINGS INC / AVDX FAQ
What is the ChartMill fundamental rating of AVIDXCHANGE HOLDINGS INC (AVDX) stock?
ChartMill assigns a fundamental rating of 4 / 10 to AVDX.
Can you provide the valuation status for AVIDXCHANGE HOLDINGS INC?
ChartMill assigns a valuation rating of 1 / 10 to AVIDXCHANGE HOLDINGS INC (AVDX). This can be considered as Overvalued.
Can you provide the profitability details for AVIDXCHANGE HOLDINGS INC?
AVIDXCHANGE HOLDINGS INC (AVDX) has a profitability rating of 2 / 10.
What is the financial health of AVIDXCHANGE HOLDINGS INC (AVDX) stock?
The financial health rating of AVIDXCHANGE HOLDINGS INC (AVDX) is 5 / 10.
Can you provide the expected EPS growth for AVDX stock?
The Earnings per Share (EPS) of AVIDXCHANGE HOLDINGS INC (AVDX) is expected to grow by 8.08% in the next year.