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ADYEN NV (ADYEN.AS) Stock Fundamental Analysis

AMS:ADYEN - Euronext Amsterdam - NL0012969182 - Common Stock - Currency: EUR

1536.6  +6 (+0.39%)

Fundamental Rating

6

ADYEN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 47 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making ADYEN a very profitable company, without any liquidiy or solvency issues. ADYEN is valied quite expensively at the moment, while it does show a decent growth rate. These ratings would make ADYEN suitable for quality investing!


Dividend Valuation Growth Profitability Health

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9

1. Profitability

1.1 Basic Checks

ADYEN had positive earnings in the past year.
In the past year ADYEN had a positive cash flow from operations.
In the past 5 years ADYEN has always been profitable.
ADYEN had a positive operating cash flow in each of the past 5 years.
ADYEN.AS Yearly Net Income VS EBIT VS OCF VS FCFADYEN.AS 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

ADYEN has a Return On Assets of 8.10%. This is amongst the best in the industry. ADYEN outperforms 85.11% of its industry peers.
ADYEN has a better Return On Equity (21.86%) than 78.72% of its industry peers.
Looking at the Return On Invested Capital, with a value of 15.06%, ADYEN belongs to the top of the industry, outperforming 89.36% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for ADYEN 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%
ADYEN.AS Yearly ROA, ROE, ROICADYEN.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

ADYEN has a Profit Margin of 41.07%. This is amongst the best in the industry. ADYEN outperforms 85.11% of its industry peers.
ADYEN's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 39.41%, ADYEN is in the better half of the industry, outperforming 78.72% of the companies in the same industry.
In the last couple of years the Operating Margin of ADYEN has grown nicely.
ADYEN has a better Gross Margin (88.61%) than 85.11% of its industry peers.
In the last couple of years the Gross Margin of ADYEN has grown nicely.
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%
ADYEN.AS Yearly Profit, Operating, Gross MarginsADYEN.AS 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), ADYEN is creating value.
The number of shares outstanding for ADYEN has been increased compared to 1 year ago.
Compared to 5 years ago, ADYEN has more shares outstanding
ADYEN has a better debt/assets ratio than last year.
ADYEN.AS Yearly Shares OutstandingADYEN.AS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
ADYEN.AS Yearly Total Debt VS Total AssetsADYEN.AS 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

ADYEN has an Altman-Z score of 5.33. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 5.33, ADYEN is in the better half of the industry, outperforming 78.72% of the companies in the same industry.
ADYEN has a debt to FCF ratio of 0.14. This is a very positive value and a sign of high solvency as it would only need 0.14 years to pay back of all of its debts.
ADYEN's Debt to FCF ratio of 0.14 is amongst the best of the industry. ADYEN outperforms 97.87% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that ADYEN is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.04, ADYEN belongs to the top of the industry, outperforming 87.23% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.14
Altman-Z 5.33
ROIC/WACC2.02
WACC7.44%
ADYEN.AS Yearly LT Debt VS Equity VS FCFADYEN.AS 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 1.55 indicates that ADYEN should not have too much problems paying its short term obligations.
The Current ratio of ADYEN (1.55) is better than 72.34% of its industry peers.
ADYEN has a Quick Ratio of 1.54. This is a normal value and indicates that ADYEN is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.54, ADYEN is doing good in the industry, outperforming 72.34% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.55
Quick Ratio 1.54
ADYEN.AS Yearly Current Assets VS Current LiabilitesADYEN.AS 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.
ADYEN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 34.72% yearly.
Looking at the last year, ADYEN shows a very strong growth in Revenue. The Revenue has grown by 20.89%.
ADYEN shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.25% yearly.
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

Based on estimates for the next years, ADYEN will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.66% on average per year.
Based on estimates for the next years, ADYEN will show a quite strong growth in Revenue. The Revenue will grow by 19.97% on average per year.
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

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.
ADYEN.AS Yearly Revenue VS EstimatesADYEN.AS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2B 4B 6B 8B
ADYEN.AS Yearly EPS VS EstimatesADYEN.AS 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

With a Price/Earnings ratio of 51.84, ADYEN can be considered very expensive at the moment.
65.96% of the companies in the same industry are cheaper than ADYEN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ADYEN to the average of the S&P500 Index (27.28), we can say ADYEN is valued expensively.
With a Price/Forward Earnings ratio of 40.95, ADYEN can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, ADYEN is valued a bit more expensive than 68.09% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ADYEN to the average of the S&P500 Index (21.76), we can say ADYEN is valued expensively.
Industry RankSector Rank
PE 51.84
Fwd PE 40.95
ADYEN.AS Price Earnings VS Forward Price EarningsADYEN.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

ADYEN's Enterprise Value to EBITDA ratio is in line with the industry average.
ADYEN's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 30.18
EV/EBITDA 38.83
ADYEN.AS Per share dataADYEN.AS 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.
ADYEN has an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as ADYEN's earnings are expected to grow with 26.57% in the coming years.
PEG (NY)1.95
PEG (5Y)1.49
EPS Next 2Y26.24%
EPS Next 3Y26.57%

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5. Dividend

5.1 Amount

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

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ADYEN NV

AMS:ADYEN (7/3/2025, 4:14:08 PM)

1536.6

+6 (+0.39%)

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 Cap48.39B
Analysts80.48
Price Target1915.35 (24.65%)
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)0.86%
PT rev (3m)-5.53%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.66%
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 51.84
Fwd PE 40.95
P/S 21.48
P/FCF 30.18
P/OCF 28.38
P/B 11.44
P/tB 11.46
EV/EBITDA 38.83
EPS(TTM)29.64
EY1.93%
EPS(NY)37.52
Fwd EY2.44%
FCF(TTM)50.92
FCFY3.31%
OCF(TTM)54.14
OCFY3.52%
SpS71.54
BVpS134.38
TBVpS134.11
PEG (NY)1.95
PEG (5Y)1.49
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 5.33
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%