ADYEN NV (1N8.DE) Stock Fundamental Analysis

FRA:1N8 • NL0012969182

929.7 EUR
-309.3 (-24.96%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

1N8 gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 59 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 not valued too expensively and it also shows a decent growth rate. These ratings would make 1N8 suitable for quality investing!


Dividend Valuation Growth Profitability Health

9

1. Profitability

1.1 Basic Checks

  • 1N8 had positive earnings in the past year.
  • 1N8 had a positive operating cash flow in the past year.
  • 1N8 had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

1.2 Ratios

  • With an excellent Return On Assets value of 7.15%, 1N8 belongs to the best of the industry, outperforming 88.14% of the companies in the same industry.
  • 1N8's Return On Equity of 21.32% is amongst the best of the industry. 1N8 outperforms 83.05% of its industry peers.
  • 1N8's Return On Invested Capital of 15.30% is amongst the best of the industry. 1N8 outperforms 89.83% 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 9.72%.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • With an excellent Profit Margin value of 40.51%, 1N8 belongs to the best of the industry, outperforming 86.44% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1N8 has grown nicely.
  • 1N8's Operating Margin of 40.52% is amongst the best of the industry. 1N8 outperforms 83.05% of its industry peers.
  • 1N8's Operating Margin has improved in the last couple of years.
  • With an excellent Gross Margin value of 88.47%, 1N8 belongs to the best of the industry, outperforming 89.83% of the companies in the same industry.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for 1N8 has been increased compared to 1 year ago.
  • 1N8 has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, 1N8 has an improved debt to assets ratio.
1N8.DE Yearly Shares Outstanding1N8.DE Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • 1N8 has an Altman-Z score of 3.58. This indicates that 1N8 is financially healthy and has little risk of bankruptcy at the moment.
  • 1N8's Altman-Z score of 3.58 is fine compared to the rest of the industry. 1N8 outperforms 79.66% of its industry peers.
  • 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.
  • The Debt to FCF ratio of 1N8 (0.07) is better than 94.92% 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 86.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.07
Altman-Z 3.58
ROIC/WACC2.06
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 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 better Current ratio (1.48) than 61.02% 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 has a better Quick ratio (1.47) than 66.10% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 19.62% over the past year.
  • 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.
  • 1N8 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.86%.
  • The Revenue has been decreasing by -3.25% on average over the past years.
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

  • Based on estimates for the next years, 1N8 will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.15% on average per year.
  • Based on estimates for the next years, 1N8 will show a quite strong growth in Revenue. The Revenue will grow by 19.67% on average per year.
EPS Next Y17.34%
EPS Next 2Y19.58%
EPS Next 3Y21.19%
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.
1N8.DE Yearly Revenue VS Estimates1N8.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 29.32 indicates a quite expensive valuation of 1N8.
  • Based on the Price/Earnings ratio, 1N8 is valued a bit more expensive than 62.71% of the companies in the same industry.
  • 1N8 is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 21.94, which indicates a rather expensive current valuation of 1N8.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1N8 indicates a slightly more expensive valuation: 1N8 is more expensive than 66.10% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.69, 1N8 is valued a bit cheaper.
Industry RankSector Rank
PE 29.32
Fwd PE 21.94
1N8.DE Price Earnings VS Forward Price Earnings1N8.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1N8's Enterprise Value to EBITDA ratio is in line with the industry average.
  • 71.19% 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 7.81
EV/EBITDA 22.08
1N8.DE Per share data1N8.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

  • 1N8's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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 21.19% in the coming years.
PEG (NY)1.69
PEG (5Y)0.84
EPS Next 2Y19.58%
EPS Next 3Y21.19%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for 1N8!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

ADYEN NV

FRA:1N8 (2/12/2026, 7:00:00 PM)

929.7

-309.3 (-24.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-18
Earnings (Next)02-12
Inst Owners79.02%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap29.30B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts79.51
Price Target1839.15 (97.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-0.39%
PT rev (3m)0.36%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.1%
EPS NY rev (3m)-0.61%
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 RankSector Rank
PE 29.32
Fwd PE 21.94
P/S 11.91
P/FCF 7.81
P/OCF 7.6
P/B 6.27
P/tB 6.28
EV/EBITDA 22.08
EPS(TTM)31.71
EY3.41%
EPS(NY)42.38
Fwd EY4.56%
FCF(TTM)119
FCFY12.8%
OCF(TTM)122.37
OCFY13.16%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)1.69
PEG (5Y)0.84
Graham Number325.31
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%
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 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 3.58
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 Y17.34%
EPS Next 2Y19.58%
EPS Next 3Y21.19%
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 29.32 and the Price/Book (PB) ratio is 6.27.