ADYEN Fundamental Analysis - ADYEN NV

Fundamental Rating

Overall ADYEN gets a fundamental rating of 6 out of 10. We evaluated ADYEN against 53 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 has a decent growth rate and is not valued too expensively. With these ratings, ADYEN could be worth investigating further for quality investing!.

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1. Profitability

1.1 Basic Checks

In the past year ADYEN was profitable.

ADYEN had a positive operating cash flow in the past year.

Each year in the past 5 years ADYEN has been profitable.

In the past 5 years ADYEN always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of ADYEN (7.15%) is better than 92.45% of its industry peers.

The Return On Equity of ADYEN (21.32%) is better than 84.91% of its industry peers.

ADYEN has a Return On Invested Capital of 15.30%. This is amongst the best in the industry. ADYEN outperforms 94.34% of its industry peers.

ADYEN had an Average Return On Invested Capital over the past 3 years of 16.46%. This is significantly above the industry average of 8.74%.

		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

The Profit Margin of ADYEN (40.51%) is better than 92.45% of its industry peers.

ADYEN's Profit Margin has improved in the last couple of years.

ADYEN has a Operating Margin of 40.52%. This is amongst the best in the industry. ADYEN outperforms 86.79% of its industry peers.

In the last couple of years the Operating Margin of ADYEN has grown nicely.

Looking at the Gross Margin, with a value of 88.47%, ADYEN belongs to the top of the industry, outperforming 90.57% of the companies in the same industry.

In the last couple of years the Gross Margin of ADYEN 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ADYEN has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.

Compared to 1 year ago, ADYEN has more shares outstanding

The number of shares outstanding for ADYEN has been increased compared to 5 years ago.

Compared to 1 year ago, ADYEN has an improved debt to assets ratio.

2.2 Solvency

ADYEN has an Altman-Z score of 3.94. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.

ADYEN has a better Altman-Z score (3.94) than 84.91% of its industry peers.

The Debt to FCF ratio of ADYEN is 0.07, which is an excellent value as it means it would take ADYEN, only 0.07 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of ADYEN (0.07) is better than 96.23% of its industry peers.

A Debt/Equity ratio of 0.04 indicates that ADYEN is not too dependend on debt financing.

The Debt to Equity ratio of ADYEN (0.04) is better than 86.79% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.07
Altman-Z	3.94

ROIC/WACC2.06

WACC7.44%

2.3 Liquidity

ADYEN has a Current Ratio of 1.48. This is a normal value and indicates that ADYEN is financially healthy and should not expect problems in meeting its short term obligations.

The Current ratio of ADYEN (1.48) is better than 60.38% of its industry peers.

A Quick Ratio of 1.47 indicates that ADYEN should not have too much problems paying its short term obligations.

With a decent Quick ratio value of 1.47, ADYEN is doing good in the industry, outperforming 66.04% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.48
Quick Ratio	1.47

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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, ADYEN shows a very strong growth in Earnings Per Share. The EPS has been growing by 34.72% on average per year.

The Revenue has grown by 19.86% in the past year. This is quite good.

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

ADYEN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.70% yearly.

The Revenue is expected to grow by 19.76% on average over the next years. This is quite good.

EPS Next Y17.07%

EPS Next 2Y20.13%

EPS Next 3Y22.05%

EPS Next 5Y19.7%

Revenue Next Year19.9%

Revenue Next 2Y21.48%

Revenue Next 3Y21.4%

Revenue Next 5Y19.76%

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.

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4. Valuation

4.1 Price/Earnings Ratio

ADYEN is valuated quite expensively with a Price/Earnings ratio of 42.28.

ADYEN's Price/Earnings ratio is in line with the industry average.

ADYEN is valuated expensively when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.

ADYEN is valuated quite expensively with a Price/Forward Earnings ratio of 31.34.

The rest of the industry has a similar Price/Forward Earnings ratio as ADYEN.

ADYEN is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	42.28
Fwd PE	31.34

4.2 Price Multiples

ADYEN's Enterprise Value to EBITDA ratio is in line with the industry average.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ADYEN indicates a somewhat cheap valuation: ADYEN is cheaper than 67.92% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	11.27
EV/EBITDA	27.13

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ADYEN does not grow enough to justify the current Price/Earnings ratio.

The excellent profitability rating of ADYEN may justify a higher PE ratio.

A more expensive valuation may be justified as ADYEN's earnings are expected to grow with 22.05% in the coming years.

PEG (NY)2.48

PEG (5Y)1.22

EPS Next 2Y20.13%

EPS Next 3Y22.05%

More info and screens

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5. Dividend

5.1 Amount

No dividends for ADYEN!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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ADYEN NV

AMS:ADYEN (11/28/2025, 5:36:15 PM)

1340.6

-5.2 (-0.39%)

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 Owners80.63%

Inst Owner ChangeN/A

Ins Owners7.35%

Ins Owner ChangeN/A

Market Cap42.26B

Revenue(TTM)2.46B

Net Income(TTM)996.51M

Analysts80.49

Price Target1842.61 (37.45%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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)0.27%

PT rev (3m)-1.43%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-0.84%

EPS NY rev (3m)-2.22%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.2%

Revenue NY rev (3m)-0.73%

Valuation

		Industry Rank	Sector Rank
PE	42.28
Fwd PE	31.34
P/S	17.18
P/FCF	11.27
P/OCF	10.96
P/B	9.04
P/tB	9.05
EV/EBITDA	27.13

EPS(TTM)31.71

EY2.37%

EPS(NY)42.78

Fwd EY3.19%

FCF(TTM)119

FCFY8.88%

OCF(TTM)122.37

OCFY9.13%

SpS78.04

BVpS148.32

TBVpS148.06

PEG (NY)2.48

PEG (5Y)1.22

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	3.94

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 Y17.07%

EPS Next 2Y20.13%

EPS Next 3Y22.05%

EPS Next 5Y19.7%

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 2Y21.48%

Revenue Next 3Y21.4%

Revenue Next 5Y19.76%

EBIT growth 1Y32.48%

EBIT growth 3Y14.7%

EBIT growth 5Y24.96%

EBIT Next Year38.73%

EBIT Next 3Y31.83%

EBIT Next 5Y25.05%

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 / ADYEN.AS FAQ

What is the ChartMill fundamental rating of ADYEN NV (ADYEN.AS) stock?

ChartMill assigns a fundamental rating of 6 / 10 to ADYEN.AS.

What is the valuation status for ADYEN stock?

ChartMill assigns a valuation rating of 4 / 10 to ADYEN NV (ADYEN.AS). This can be considered as Fairly Valued.

How profitable is ADYEN NV (ADYEN.AS) stock?

ADYEN NV (ADYEN.AS) has a profitability rating of 9 / 10.

Can you provide the financial health for ADYEN stock?

The financial health rating of ADYEN NV (ADYEN.AS) is 7 / 10.

ADYEN NV (ADYEN.AS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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ADYEN NV / ADYEN.AS FAQ

What is the ChartMill fundamental rating of ADYEN NV (ADYEN.AS) stock?

What is the valuation status for ADYEN stock?

How profitable is ADYEN NV (ADYEN.AS) stock?

Can you provide the financial health for ADYEN stock?