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ADYEN NV (1N8.DE) Stock Fundamental Analysis

Europe - FRA:1N8 - NL0012969182 - Common Stock

1396.6 EUR
+22.6 (+1.64%)
Last: 9/18/2025, 7:00:00 PM
Fundamental Rating

6

Overall 1N8 gets a fundamental rating of 6 out of 10. We evaluated 1N8 against 46 industry peers in the Financial Services industry. 1N8 gets an excellent profitability rating and is at the same time showing great financial health properties. While showing a medium growth rate, 1N8 is valued expensive at the moment. These ratings could make 1N8 a good candidate 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.
Each year in the past 5 years 1N8 has been profitable.
Each year in the past 5 years 1N8 had a positive operating cash flow.
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

The Return On Assets of 1N8 (7.15%) is better than 82.61% of its industry peers.
With a decent Return On Equity value of 21.32%, 1N8 is doing good in the industry, outperforming 78.26% of the companies in the same industry.
1N8's Return On Invested Capital of 15.30% is amongst the best of the industry. 1N8 outperforms 86.96% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for 1N8 is significantly above the industry average of 10.06%.
Industry RankSector 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%
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's Profit Margin of 40.51% is amongst the best of the industry. 1N8 outperforms 82.61% of its industry peers.
1N8's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 40.52%, 1N8 is in the better half of the industry, outperforming 76.09% of the companies in the same industry.
1N8's Operating Margin has improved in the last couple of years.
The Gross Margin of 1N8 (88.47%) is better than 82.61% of its industry peers.
In the last couple of years the Gross Margin of 1N8 has grown nicely.
Industry RankSector 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%
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

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 1N8 is creating value.
Compared to 1 year ago, 1N8 has more shares outstanding
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

1N8 has an Altman-Z score of 4.04. This indicates that 1N8 is financially healthy and has little risk of bankruptcy at the moment.
With a decent Altman-Z score value of 4.04, 1N8 is doing good in the industry, outperforming 76.09% of the companies in the same industry.
1N8 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.
1N8 has a Debt to FCF ratio of 0.07. This is amongst the best in the industry. 1N8 outperforms 93.48% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that 1N8 is not too dependend on debt financing.
1N8 has a Debt to Equity ratio of 0.04. This is amongst the best in the industry. 1N8 outperforms 84.78% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.07
Altman-Z 4.04
ROIC/WACC2.07
WACC7.4%
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

A Current Ratio of 1.48 indicates that 1N8 should not have too much problems paying its short term obligations.
1N8 has a Current ratio (1.48) which is in line with its industry peers.
A Quick Ratio of 1.47 indicates that 1N8 should not have too much problems paying its short term obligations.
1N8 has a Quick ratio of 1.47. This is in the better half of the industry: 1N8 outperforms 60.87% of its industry peers.
Industry RankSector Rank
Current Ratio 1.48
Quick Ratio 1.47
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 nice 19.62% 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 19.86% in the past year. This is quite good.
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)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 18.44% yearly.
The Revenue is expected to grow by 19.39% on average over the next years. This is quite good.
EPS Next Y19.73%
EPS Next 2Y21.28%
EPS Next 3Y22.68%
EPS Next 5Y18.44%
Revenue Next Year20.44%
Revenue Next 2Y21.96%
Revenue Next 3Y21.83%
Revenue Next 5Y19.39%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 44.04, the valuation of 1N8 can be described as expensive.
Based on the Price/Earnings ratio, 1N8 is valued a bit more expensive than 65.22% of the companies in the same industry.
1N8 is valuated expensively when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
1N8 is valuated quite expensively with a Price/Forward Earnings ratio of 32.03.
Based on the Price/Forward Earnings ratio, 1N8 is valued a bit more expensive than 65.22% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, 1N8 is valued a bit more expensive.
Industry RankSector Rank
PE 44.04
Fwd PE 32.03
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

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as 1N8.
65.22% of the companies in the same industry are more expensive than 1N8, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 11.73
EV/EBITDA 28.56
1N8.DE Per share data1N8.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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 22.68% in the coming years.
PEG (NY)2.23
PEG (5Y)1.27
EPS Next 2Y21.28%
EPS Next 3Y22.68%

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0

5. Dividend

5.1 Amount

No dividends for 1N8!.
Industry RankSector Rank
Dividend Yield N/A

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ADYEN NV

FRA:1N8 (9/18/2025, 7:00:00 PM)

1396.6

+22.6 (+1.64%)

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 Owners81.17%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap44.01B
Analysts80.5
Price Target1871.54 (34.01%)
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)-3.09%
PT rev (3m)-2.32%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-5.43%
EPS NY rev (3m)-5.43%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.26%
Revenue NY rev (3m)-2.15%
Valuation
Industry RankSector Rank
PE 44.04
Fwd PE 32.03
P/S 17.89
P/FCF 11.73
P/OCF 11.41
P/B 9.41
P/tB 9.43
EV/EBITDA 28.56
EPS(TTM)31.71
EY2.27%
EPS(NY)43.6
Fwd EY3.12%
FCF(TTM)119.04
FCFY8.52%
OCF(TTM)122.41
OCFY8.76%
SpS78.06
BVpS148.37
TBVpS148.1
PEG (NY)2.23
PEG (5Y)1.27
Profitability
Industry RankSector 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 RankSector 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 4.04
F-Score5
WACC7.4%
ROIC/WACC2.07
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 Y19.73%
EPS Next 2Y21.28%
EPS Next 3Y22.68%
EPS Next 5Y18.44%
Revenue 1Y (TTM)19.86%
Revenue growth 3Y-27.84%
Revenue growth 5Y-3.25%
Sales Q2Q%19.72%
Revenue Next Year20.44%
Revenue Next 2Y21.96%
Revenue Next 3Y21.83%
Revenue Next 5Y19.39%
EBIT growth 1Y32.48%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year41.4%
EBIT Next 3Y33.79%
EBIT Next 5Y24.46%
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%