EDENRED (EDEN.PA) Stock Fundamental Analysis
EPA:EDEN - Euronext Paris - Matif - FR0010908533 - Common Stock - Currency: EUR
Taking everything into account, EDEN scores 6 out of 10 in our fundamental rating. EDEN was compared to 47 industry peers in the Financial Services industry. While EDEN has a great profitability rating, there are quite some concerns on its financial health. EDEN may be a bit undervalued, certainly considering the very reasonable score on growth EDEN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
EDEN had positive earnings in the past year.
EDEN had a positive operating cash flow in the past year.
EDEN had positive earnings in each of the past 5 years.
EDEN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EDEN's Return On Assets of 3.82% is fine compared to the rest of the industry. EDEN outperforms 61.70% of its industry peers.
EDEN has a better Return On Invested Capital (17.65%) than 91.49% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EDEN is significantly above the industry average of 10.00%.
The last Return On Invested Capital (17.65%) for EDEN is above the 3 year average (16.28%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | N/A | ||
| ROIC | 17.65% |
ROA(3y)3.09%
ROA(5y)2.97%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.28%
ROIC(5y)15.08%
1.3 Margins
Looking at the Profit Margin, with a value of 17.75%, EDEN is in the better half of the industry, outperforming 65.96% of the companies in the same industry.
In the last couple of years the Profit Margin of EDEN has declined.
EDEN has a Operating Margin of 36.41%. This is in the better half of the industry: EDEN outperforms 74.47% of its industry peers.
EDEN's Operating Margin has improved in the last couple of years.
EDEN's Gross Margin of 91.18% is amongst the best of the industry. EDEN outperforms 91.49% of its industry peers.
EDEN's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.41% | ||
| PM (TTM) | 17.75% | ||
| GM | 91.18% |
OM growth 3Y3.27%
OM growth 5Y1.67%
PM growth 3Y-2.64%
PM growth 5Y-1.54%
GM growth 3Y0.21%
GM growth 5Y0.18%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), EDEN is creating value.
Compared to 1 year ago, EDEN has less shares outstanding
The number of shares outstanding for EDEN has been reduced compared to 5 years ago.
EDEN has a worse debt/assets ratio than last year.
2.2 Solvency
EDEN has an Altman-Z score of 0.52. This is a bad value and indicates that EDEN is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.52, EDEN is doing worse than 68.09% of the companies in the same industry.
EDEN has a debt to FCF ratio of 5.59. This is a neutral value as EDEN would need 5.59 years to pay back of all of its debts.
EDEN's Debt to FCF ratio of 5.59 is in line compared to the rest of the industry. EDEN outperforms 59.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 5.59 | ||
| Altman-Z | 0.52 |
ROIC/WACC2.71
WACC6.52%
2.3 Liquidity
EDEN has a Current Ratio of 0.85. This is a bad value and indicates that EDEN is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of EDEN (0.85) is worse than 70.21% of its industry peers.
A Quick Ratio of 0.85 indicates that EDEN may have some problems paying its short term obligations.
EDEN has a worse Quick ratio (0.85) than 70.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 21.39% over the past year.
EDEN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.28% yearly.
EDEN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.60%.
The Revenue has been growing by 11.93% on average over the past years. This is quite good.
EPS 1Y (TTM)21.39%
EPS 3Y19.09%
EPS 5Y9.28%
EPS Q2Q%10.11%
Revenue 1Y (TTM)13.6%
Revenue growth 3Y20.63%
Revenue growth 5Y11.93%
Sales Q2Q%4.01%
3.2 Future
The Earnings Per Share is expected to grow by 9.85% on average over the next years. This is quite good.
EDEN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.99% yearly.
EPS Next Y20.28%
EPS Next 2Y15.66%
EPS Next 3Y14.98%
EPS Next 5Y9.85%
Revenue Next Year5.92%
Revenue Next 2Y6.37%
Revenue Next 3Y6.89%
Revenue Next 5Y4.99%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.23 indicates a correct valuation of EDEN.
Compared to the rest of the industry, the Price/Earnings ratio of EDEN indicates a somewhat cheap valuation: EDEN is cheaper than 63.83% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.91, EDEN is valued rather cheaply.
The Price/Forward Earnings ratio is 9.55, which indicates a very decent valuation of EDEN.
EDEN's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. EDEN is cheaper than 72.34% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 37.11, EDEN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 9.55 |
4.2 Price Multiples
EDEN's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EDEN is cheaper than 74.47% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, EDEN is valued cheaply inside the industry as 85.11% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.59 | ||
| EV/EBITDA | 4.71 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of EDEN may justify a higher PE ratio.
EDEN's earnings are expected to grow with 14.98% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)1.32
EPS Next 2Y15.66%
EPS Next 3Y14.98%
5. Dividend
5.1 Amount
EDEN has a Yearly Dividend Yield of 4.56%, which is a nice return.
Compared to an average industry Dividend Yield of 3.69, EDEN pays a better dividend. On top of this EDEN pays more dividend than 80.85% of the companies listed in the same industry.
EDEN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.56% |
5.2 History
On average, the dividend of EDEN grows each year by 28.21%, which is quite nice.
Dividend Growth(5Y)28.21%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
EDEN pays out 60.55% of its income as dividend. This is not a sustainable payout ratio.
The dividend of EDEN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.55%
EPS Next 2Y15.66%
EPS Next 3Y14.98%
EPA:EDEN (7/30/2025, 5:29:56 PM)
25.69
-0.28 (-1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners84.22%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap6.16B
Analysts77.5
Price Target42.4 (65.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.56% |
Yearly Dividend1.26
Dividend Growth(5Y)28.21%
DP60.55%
Div Incr Years4
Div Non Decr Years4
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)-1.31%
PT rev (3m)-1.39%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.23 | ||
| Fwd PE | 9.55 | ||
| P/S | 2.16 | ||
| P/FCF | 7.59 | ||
| P/OCF | 5.99 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.71 |
EPS(TTM)2.1
EY8.17%
EPS(NY)2.69
Fwd EY10.47%
FCF(TTM)3.38
FCFY13.18%
OCF(TTM)4.29
OCFY16.7%
SpS11.91
BVpS-3.79
TBVpS-22.65
PEG (NY)0.6
PEG (5Y)1.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | N/A | ||
| ROCE | 30.54% | ||
| ROIC | 17.65% | ||
| ROICexc | 96.55% | ||
| ROICexgc | N/A | ||
| OM | 36.41% | ||
| PM (TTM) | 17.75% | ||
| GM | 91.18% | ||
| FCFM | 28.43% |
ROA(3y)3.09%
ROA(5y)2.97%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.28%
ROIC(5y)15.08%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)27.14%
ROCE(5y)25.12%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5Y-43.2%
OM growth 3Y3.27%
OM growth 5Y1.67%
PM growth 3Y-2.64%
PM growth 5Y-1.54%
GM growth 3Y0.21%
GM growth 5Y0.18%
F-Score6
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 5.59 | ||
| Debt/EBITDA | 3.12 | ||
| Cap/Depr | 88.57% | ||
| Cap/Sales | 7.6% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 80.08% | ||
| Profit Quality | 160.16% | ||
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 | ||
| Altman-Z | 0.52 |
F-Score6
WACC6.52%
ROIC/WACC2.71
Cap/Depr(3y)78.52%
Cap/Depr(5y)81.06%
Cap/Sales(3y)7.53%
Cap/Sales(5y)7.34%
Profit Quality(3y)235.44%
Profit Quality(5y)224.17%
High Growth Momentum
Growth
EPS 1Y (TTM)21.39%
EPS 3Y19.09%
EPS 5Y9.28%
EPS Q2Q%10.11%
EPS Next Y20.28%
EPS Next 2Y15.66%
EPS Next 3Y14.98%
EPS Next 5Y9.85%
Revenue 1Y (TTM)13.6%
Revenue growth 3Y20.63%
Revenue growth 5Y11.93%
Sales Q2Q%4.01%
Revenue Next Year5.92%
Revenue Next 2Y6.37%
Revenue Next 3Y6.89%
Revenue Next 5Y4.99%
EBIT growth 1Y15.43%
EBIT growth 3Y24.57%
EBIT growth 5Y13.8%
EBIT Next Year29.63%
EBIT Next 3Y14.58%
EBIT Next 5Y7.83%
FCF growth 1Y-5.8%
FCF growth 3Y18.34%
FCF growth 5Y17.21%
OCF growth 1Y-2.19%
OCF growth 3Y19.43%
OCF growth 5Y17.22%