ADYEN NV (1N8.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:1N8 - NL0012969182 - Common Stock
1392.8 EUR
-23.6 (-1.67%)
We assign a fundamental rating of 6 out of 10 to 1N8. 1N8 was compared to 58 industry peers in the Financial Services industry. 1N8 scores excellent points on both the profitability and health parts. This is a solid base for a good stock. 1N8 is valied quite expensively at the moment, while it does show a decent growth rate. These ratings could make 1N8 a good candidate for quality investing.
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.
- 1N8 had positive earnings in each of the past 5 years.
- 1N8 had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- 1N8's Return On Assets of 7.15% is amongst the best of the industry. 1N8 outperforms 87.93% of its industry peers.
- 1N8's Return On Equity of 21.32% is amongst the best of the industry. 1N8 outperforms 84.48% of its industry peers.
- 1N8 has a better Return On Invested Capital (15.30%) than 91.38% of its industry peers.
- 1N8 had an Average Return On Invested Capital over the past 3 years of 16.46%. This is significantly above the industry average of 8.80%.
| 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
- 1N8's Profit Margin of 40.51% is amongst the best of the industry. 1N8 outperforms 87.93% of its industry peers.
- 1N8's Profit Margin has improved in the last couple of years.
- 1N8's Operating Margin of 40.52% is amongst the best of the industry. 1N8 outperforms 84.48% of its industry peers.
- In the last couple of years the Operating Margin of 1N8 has grown nicely.
- Looking at the Gross Margin, with a value of 88.47%, 1N8 belongs to the top of the industry, outperforming 89.66% of the companies in the same industry.
- In the last couple of years the Gross Margin of 1N8 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
- 1N8 has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it 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.
2.2 Solvency
- An Altman-Z score of 4.08 indicates that 1N8 is not in any danger for bankruptcy at the moment.
- 1N8 has a better Altman-Z score (4.08) than 81.03% of its industry peers.
- The Debt to FCF ratio of 1N8 is 0.07, which is an excellent value as it means it would take 1N8, only 0.07 years of fcf income to pay off all of its debts.
- 1N8's Debt to FCF ratio of 0.07 is amongst the best of the industry. 1N8 outperforms 93.10% 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.
- 1N8 has a better Debt to Equity ratio (0.04) than 84.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 4.08 |
ROIC/WACC2.06
WACC7.44%
2.3 Liquidity
- 1N8 has a Current Ratio of 1.48. This is a normal value and indicates that 1N8 is financially healthy and should not expect problems in meeting its short term obligations.
- 1N8's Current ratio of 1.48 is in line compared to the rest of the industry. 1N8 outperforms 58.62% of its industry peers.
- 1N8 has a Quick Ratio of 1.47. This is a normal value and indicates that 1N8 is financially healthy and should not expect problems in meeting its short term obligations.
- 1N8's Quick ratio of 1.47 is fine compared to the rest of the industry. 1N8 outperforms 63.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.47 |
3. Growth
3.1 Past
- 1N8 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.62%, which is quite good.
- Measured over the past years, 1N8 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, 1N8 shows a quite strong growth in Revenue. The Revenue has grown by 19.86% in the last year.
- 1N8 shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.25% yearly.
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
- 1N8 is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.15% yearly.
- The Revenue is expected to grow by 19.67% on average over the next years. This is quite good.
EPS Next Y17.45%
EPS Next 2Y19.68%
EPS Next 3Y21.25%
EPS Next 5Y18.15%
Revenue Next Year19.9%
Revenue Next 2Y21.38%
Revenue Next 3Y21.22%
Revenue Next 5Y19.67%
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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
- 1N8 is valuated quite expensively with a Price/Earnings ratio of 43.92.
- The rest of the industry has a similar Price/Earnings ratio as 1N8.
- When comparing the Price/Earnings ratio of 1N8 to the average of the S&P500 Index (27.47), we can say 1N8 is valued expensively.
- A Price/Forward Earnings ratio of 32.81 indicates a quite expensive valuation of 1N8.
- Based on the Price/Forward Earnings ratio, 1N8 is valued a bit more expensive than the industry average as 63.79% of the companies are valued more cheaply.
- When comparing the Price/Forward Earnings ratio of 1N8 to the average of the S&P500 Index (24.26), we can say 1N8 is valued slightly more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.92 | ||
| Fwd PE | 32.81 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1N8.
- 1N8's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1N8 is cheaper than 65.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.7 | ||
| EV/EBITDA | 29.13 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- The excellent profitability rating of 1N8 may justify a higher PE ratio.
- A more expensive valuation may be justified as 1N8's earnings are expected to grow with 21.25% in the coming years.
PEG (NY)2.52
PEG (5Y)1.27
EPS Next 2Y19.68%
EPS Next 3Y21.25%
5. Dividend
5.1 Amount
- 1N8 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:1N8 (1/16/2026, 7:00:00 PM)
1392.8
-23.6 (-1.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-18 2025-08-18/amc
Earnings (Next)02-11 2026-02-11/amc
Inst Owners79.02%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap43.90B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts79.51
Price Target1846.36 (32.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0.09%
PT rev (3m)0.48%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.02%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.92 | ||
| Fwd PE | 32.81 | ||
| P/S | 17.85 | ||
| P/FCF | 11.7 | ||
| P/OCF | 11.38 | ||
| P/B | 9.39 | ||
| P/tB | 9.41 | ||
| EV/EBITDA | 29.13 |
EPS(TTM)31.71
EY2.28%
EPS(NY)42.45
Fwd EY3.05%
FCF(TTM)119
FCFY8.54%
OCF(TTM)122.37
OCFY8.79%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)2.52
PEG (5Y)1.27
Graham Number325.31
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%
ROICexgc growth 3YN/A
ROICexgc 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 | 4.08 |
F-Score5
WACC7.44%
ROIC/WACC2.06
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 Y17.45%
EPS Next 2Y19.68%
EPS Next 3Y21.25%
EPS Next 5Y18.15%
Revenue 1Y (TTM)19.86%
Revenue growth 3Y-27.84%
Revenue growth 5Y-3.25%
Sales Q2Q%19.72%
Revenue Next Year19.9%
Revenue Next 2Y21.38%
Revenue Next 3Y21.22%
Revenue Next 5Y19.67%
EBIT growth 1Y32.48%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year38.3%
EBIT Next 3Y30.65%
EBIT Next 5Y24.95%
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%
ADYEN NV / 1N8.DE FAQ
What is the ChartMill fundamental rating of ADYEN NV (1N8.DE) stock?
ChartMill assigns a fundamental rating of 6 / 10 to 1N8.DE.
Can you provide the valuation status for ADYEN NV?
ChartMill assigns a valuation rating of 3 / 10 to ADYEN NV (1N8.DE). This can be considered as Overvalued.
How profitable is ADYEN NV (1N8.DE) stock?
ADYEN NV (1N8.DE) has a profitability rating of 9 / 10.
Can you provide the PE and PB ratios for 1N8 stock?
The Price/Earnings (PE) ratio for ADYEN NV (1N8.DE) is 43.92 and the Price/Book (PB) ratio is 9.39.