ADYEN NV (ADYEN.AS) Stock Fundamental Analysis

AMS:ADYEN • NL0012969182

897.2 EUR
-6.1 (-0.68%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

Taking everything into account, ADYEN scores 6 out of 10 in our fundamental rating. ADYEN was compared to 57 industry peers in the Financial Services industry. ADYEN gets an excellent profitability rating and is at the same time showing great financial health properties. ADYEN has a decent growth rate and is not valued too expensively. This makes ADYEN very considerable for quality investing!


Dividend Valuation Growth Profitability Health

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.
  • Each year in the past 5 years ADYEN has been profitable.
  • Each year in the past 5 years ADYEN had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

1.2 Ratios

  • ADYEN has a better Return On Assets (7.15%) than 86.44% of its industry peers.
  • ADYEN's Return On Equity of 21.32% is amongst the best of the industry. ADYEN outperforms 83.05% of its industry peers.
  • ADYEN has a Return On Invested Capital of 15.30%. This is amongst the best in the industry. ADYEN outperforms 89.83% 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 8.99%.
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%
ADYEN.AS Yearly ROA, ROE, ROICADYEN.AS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • Looking at the Profit Margin, with a value of 40.51%, ADYEN belongs to the top of the industry, outperforming 84.75% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ADYEN has grown nicely.
  • ADYEN has a Operating Margin of 40.52%. This is amongst the best in the industry. ADYEN outperforms 83.05% of its industry peers.
  • ADYEN's Operating Margin has improved in the last couple of years.
  • ADYEN has a better Gross Margin (88.47%) than 89.83% of its industry peers.
  • In the last couple of years the Gross Margin of ADYEN 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%
ADYEN.AS Yearly Profit, Operating, Gross MarginsADYEN.AS 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

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so ADYEN is creating value.
  • Compared to 1 year ago, ADYEN has more shares outstanding
  • ADYEN has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ADYEN has an improved debt to assets ratio.
ADYEN.AS Yearly Shares OutstandingADYEN.AS Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • ADYEN has an Altman-Z score of 3.02. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.
  • ADYEN has a better Altman-Z score (3.02) than 76.27% of its industry peers.
  • ADYEN 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.
  • Looking at the Debt to FCF ratio, with a value of 0.07, ADYEN belongs to the top of the industry, outperforming 94.92% of the companies in the same industry.
  • A Debt/Equity ratio of 0.04 indicates that ADYEN is not too dependend on debt financing.
  • ADYEN's Debt to Equity ratio of 0.04 is amongst the best of the industry. ADYEN outperforms 86.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.07
Altman-Z 3.02
ROIC/WACC2.05
WACC7.45%
ADYEN.AS Yearly LT Debt VS Equity VS FCFADYEN.AS 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

  • 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.
  • ADYEN has a Current ratio of 1.48. This is in the better half of the industry: ADYEN outperforms 61.02% of its industry peers.
  • A Quick Ratio of 1.47 indicates that ADYEN should not have too much problems paying its short term obligations.
  • ADYEN 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
ADYEN.AS Yearly Current Assets VS Current LiabilitesADYEN.AS 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

  • ADYEN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.62%, which is quite good.
  • The Earnings Per Share has been growing by 34.72% on average over the past years. This is a very strong growth
  • ADYEN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.86%.
  • Measured over the past years, ADYEN 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

  • The Earnings Per Share is expected to grow by 19.43% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 18.98% on average over the next years. This is quite good.
EPS Next Y17.34%
EPS Next 2Y19.58%
EPS Next 3Y21.19%
EPS Next 5Y19.43%
Revenue Next Year19.9%
Revenue Next 2Y21.38%
Revenue Next 3Y21.22%
Revenue Next 5Y18.98%

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.
ADYEN.AS Yearly Revenue VS EstimatesADYEN.AS 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
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 28.29 indicates a quite expensive valuation of ADYEN.
  • ADYEN's Price/Earnings is on the same level as the industry average.
  • ADYEN is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 21.17 indicates a rather expensive valuation of ADYEN.
  • ADYEN's Price/Forward Earnings ratio is in line with the industry average.
  • ADYEN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 28.29
Fwd PE 21.17
ADYEN.AS Price Earnings VS Forward Price EarningsADYEN.AS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ADYEN's Enterprise Value to EBITDA ratio is in line with the industry average.
  • 72.88% of the companies in the same industry are more expensive than ADYEN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.54
EV/EBITDA 14.44
ADYEN.AS Per share dataADYEN.AS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct 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 21.19% in the coming years.
PEG (NY)1.63
PEG (5Y)0.82
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 ADYEN!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ADYEN NV

AMS:ADYEN (2/13/2026, 7:00:00 PM)

897.2

-6.1 (-0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-12
Earnings (Next)08-12
Inst Owners79.02%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap28.30B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts80.95
Price Target1837.12 (104.76%)
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)-0.6%
PT rev (3m)0.16%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 28.29
Fwd PE 21.17
P/S 11.5
P/FCF 7.54
P/OCF 7.34
P/B 6.05
P/tB 6.06
EV/EBITDA 14.44
EPS(TTM)31.71
EY3.53%
EPS(NY)42.38
Fwd EY4.72%
FCF(TTM)118.92
FCFY13.26%
OCF(TTM)122.29
OCFY13.63%
SpS77.99
BVpS148.23
TBVpS147.96
PEG (NY)1.63
PEG (5Y)0.82
Graham Number325.2
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 3.02
F-Score5
WACC7.45%
ROIC/WACC2.05
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 5Y19.43%
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 5Y18.98%
EBIT growth 1Y32.48%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year38.3%
EBIT Next 3Y30.65%
EBIT Next 5Y24.34%
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.


Can you provide the valuation status for ADYEN NV?

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


What is the profitability of ADYEN stock?

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


What is the valuation of ADYEN NV based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ADYEN NV (ADYEN.AS) is 28.29 and the Price/Book (PB) ratio is 6.05.


What is the earnings growth outlook for ADYEN NV?

The Earnings per Share (EPS) of ADYEN NV (ADYEN.AS) is expected to grow by 17.34% in the next year.