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ADYEN NV (1N8.DE) Stock Fundamental Analysis

FRA:1N8 - Deutsche Boerse Ag - NL0012969182 - Common Stock - Currency: EUR

1521.6  -19 (-1.23%)

Fundamental Rating

6

Taking everything into account, 1N8 scores 6 out of 10 in our fundamental rating. 1N8 was compared to 47 industry peers in the Financial Services industry. 1N8 gets an excellent profitability rating and is at the same time showing great financial health properties. 1N8 is quite expensive at the moment. It does show a decent growth rate. With these ratings, 1N8 could be worth investigating further for quality investing!.


Dividend Valuation Growth Profitability Health

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9

1. Profitability

1.1 Basic Checks

In the past year 1N8 was profitable.
In the past year 1N8 had a positive cash flow from operations.
In the past 5 years 1N8 has always been profitable.
1N8 had a positive operating cash flow in each of the past 5 years.
1N8.DE Yearly Net Income VS EBIT VS OCF VS FCF1N8.DE 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

1N8's Return On Assets of 8.10% is amongst the best of the industry. 1N8 outperforms 82.98% of its industry peers.
1N8's Return On Equity of 21.86% is fine compared to the rest of the industry. 1N8 outperforms 76.60% of its industry peers.
With an excellent Return On Invested Capital value of 15.06%, 1N8 belongs to the best of the industry, outperforming 87.23% of the companies in the same industry.
1N8 had an Average Return On Invested Capital over the past 3 years of 16.46%. This is significantly above the industry average of 10.14%.
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%
1N8.DE Yearly ROA, ROE, ROIC1N8.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

1N8 has a better Profit Margin (41.07%) than 82.98% of its industry peers.
1N8's Profit Margin has improved in the last couple of years.
1N8's Operating Margin of 39.41% is fine compared to the rest of the industry. 1N8 outperforms 76.60% of its industry peers.
In the last couple of years the Operating Margin of 1N8 has grown nicely.
1N8's Gross Margin of 88.61% is amongst the best of the industry. 1N8 outperforms 82.98% of its industry peers.
1N8'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%
1N8.DE Yearly Profit, Operating, Gross Margins1N8.DE 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

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so 1N8 is creating value.
The number of shares outstanding for 1N8 has been increased compared to 1 year ago.
Compared to 5 years ago, 1N8 has more shares outstanding
Compared to 1 year ago, 1N8 has an improved debt to assets ratio.
1N8.DE Yearly Shares Outstanding1N8.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
1N8.DE Yearly Total Debt VS Total Assets1N8.DE 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 5.35 indicates that 1N8 is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 5.35, 1N8 belongs to the best of the industry, outperforming 80.85% of the companies in the same industry.
The Debt to FCF ratio of 1N8 is 0.14, which is an excellent value as it means it would take 1N8, only 0.14 years of fcf income to pay off all of its debts.
1N8's Debt to FCF ratio of 0.14 is amongst the best of the industry. 1N8 outperforms 95.74% of its industry peers.
1N8 has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of 1N8 (0.04) is better than 85.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.14
Altman-Z 5.35
ROIC/WACC2.02
WACC7.44%
1N8.DE Yearly LT Debt VS Equity VS FCF1N8.DE 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

1N8 has a Current Ratio of 1.55. This is a normal value and indicates that 1N8 is financially healthy and should not expect problems in meeting its short term obligations.
1N8 has a Current ratio of 1.55. This is in the better half of the industry: 1N8 outperforms 70.21% of its industry peers.
1N8 has a Quick Ratio of 1.54. This is a normal value and indicates that 1N8 is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.54, 1N8 is in the better half of the industry, outperforming 70.21% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.55
Quick Ratio 1.54
1N8.DE Yearly Current Assets VS Current Liabilites1N8.DE 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

The Earnings Per Share has grown by an impressive 32.14% over the past year.
The Earnings Per Share has been growing by 34.72% on average over the past years. This is a very strong growth
The Revenue has grown by 20.89% in the past year. This is a very strong growth!
Measured over the past years, 1N8 shows a decrease in Revenue. The Revenue has been decreasing by -3.25% on average per year.
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

The Earnings Per Share is expected to grow by 18.66% on average over the next years. This is quite good.
1N8 is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.97% yearly.
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

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.
1N8.DE Yearly Revenue VS Estimates1N8.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B
1N8.DE Yearly EPS VS Estimates1N8.DE 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

The Price/Earnings ratio is 51.34, which means the current valuation is very expensive for 1N8.
Based on the Price/Earnings ratio, 1N8 is valued a bit more expensive than 68.09% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1N8 to the average of the S&P500 Index (27.45), we can say 1N8 is valued expensively.
A Price/Forward Earnings ratio of 40.55 indicates a quite expensive valuation of 1N8.
70.21% of the companies in the same industry are cheaper than 1N8, based on the Price/Forward Earnings ratio.
1N8's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 21.90.
Industry RankSector Rank
PE 51.34
Fwd PE 40.55
1N8.DE Price Earnings VS Forward Price Earnings1N8.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1N8 indicates a slightly more expensive valuation: 1N8 is more expensive than 61.70% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1N8 is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 29.88
EV/EBITDA 39.14
1N8.DE Per share data1N8.DE 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 an expensive valuation of the company.
1N8 has an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as 1N8'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

1N8 does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ADYEN NV

FRA:1N8 (7/4/2025, 7:00:00 PM)

1521.6

-19 (-1.23%)

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 Cap47.92B
Analysts80.48
Price Target1918.69 (26.1%)
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)1.05%
PT rev (3m)-4.79%
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 51.34
Fwd PE 40.55
P/S 21.27
P/FCF 29.88
P/OCF 28.11
P/B 11.32
P/tB 11.35
EV/EBITDA 39.14
EPS(TTM)29.64
EY1.95%
EPS(NY)37.52
Fwd EY2.47%
FCF(TTM)50.92
FCFY3.35%
OCF(TTM)54.14
OCFY3.56%
SpS71.54
BVpS134.38
TBVpS134.11
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 5.35
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%