ADYEN NV (ADYEN.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:ADYEN - NL0012969182 - Common Stock
1361.6 EUR
+12.2 (+0.9%)
ADYEN gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 54 industry peers in the Financial Services industry. ADYEN scores excellent points on both the profitability and health parts. This is a solid base for a good stock. ADYEN is quite expensive at the moment. It does show a decent growth rate. These ratings would make ADYEN suitable for quality investing!
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.
Each year in the past 5 years ADYEN had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ADYEN (7.15%) is better than 88.89% of its industry peers.
ADYEN has a better Return On Equity (21.32%) than 83.33% of its industry peers.
ADYEN has a Return On Invested Capital of 15.30%. This is amongst the best in the industry. ADYEN outperforms 90.74% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ADYEN is significantly above the industry average of 10.39%.
| 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
ADYEN's Profit Margin of 40.51% is amongst the best of the industry. ADYEN outperforms 88.89% of its industry peers.
In the last couple of years the Profit Margin of ADYEN has grown nicely.
ADYEN's Operating Margin of 40.52% is amongst the best of the industry. ADYEN outperforms 83.33% 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 90.74% 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%
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.
ADYEN has more shares outstanding than it did 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 3.95. 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 3.95, ADYEN is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 0.07, ADYEN belongs to the top of the industry, outperforming 96.30% 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 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 3.95 |
ROIC/WACC2.06
WACC7.44%
2.3 Liquidity
A Current Ratio of 1.48 indicates that ADYEN should not have too much problems paying its short term obligations.
The Current ratio of ADYEN (1.48) is better than 61.11% of its industry peers.
ADYEN has a Quick Ratio of 1.47. This is a normal value and indicates that ADYEN is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of ADYEN (1.47) is better than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.47 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.62% 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.
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
Based on estimates for the next years, ADYEN will show a very strong growth in Earnings Per Share. The EPS will grow by 20.79% on average per year.
ADYEN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.59% yearly.
EPS Next Y17.48%
EPS Next 2Y19.74%
EPS Next 3Y21.33%
EPS Next 5Y20.79%
Revenue Next Year19.9%
Revenue Next 2Y21.38%
Revenue Next 3Y21.25%
Revenue Next 5Y19.59%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 42.94, the valuation of ADYEN can be described as expensive.
ADYEN's Price/Earnings is on the same level as the industry average.
ADYEN is valuated expensively when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 32.04, ADYEN can be considered very expensive at the moment.
61.11% of the companies in the same industry are cheaper than ADYEN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.69. ADYEN is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.94 | ||
| Fwd PE | 32.04 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as ADYEN.
Based on the Price/Free Cash Flow ratio, ADYEN is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.44 | ||
| EV/EBITDA | 27.23 |
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.
ADYEN's earnings are expected to grow with 21.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.46
PEG (5Y)1.24
EPS Next 2Y19.74%
EPS Next 3Y21.33%
5. Dividend
5.1 Amount
No dividends for ADYEN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMS:ADYEN (12/8/2025, 12:44:17 PM)
1361.6
+12.2 (+0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners79.55%
Inst Owner ChangeN/A
Ins Owners7.34%
Ins Owner ChangeN/A
Market Cap42.92B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts80.49
Price Target1844.37 (35.46%)
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)0.56%
PT rev (3m)-1.42%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.35%
EPS NY rev (3m)-1.88%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.94 | ||
| Fwd PE | 32.04 | ||
| P/S | 17.45 | ||
| P/FCF | 11.44 | ||
| P/OCF | 11.13 | ||
| P/B | 9.18 | ||
| P/tB | 9.2 | ||
| EV/EBITDA | 27.23 |
EPS(TTM)31.71
EY2.33%
EPS(NY)42.49
Fwd EY3.12%
FCF(TTM)119
FCFY8.74%
OCF(TTM)122.37
OCFY8.99%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)2.46
PEG (5Y)1.24
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 | 3.95 |
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 Y17.48%
EPS Next 2Y19.74%
EPS Next 3Y21.33%
EPS Next 5Y20.79%
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 3Y21.25%
Revenue Next 5Y19.59%
EBIT growth 1Y32.48%
EBIT growth 3Y14.7%
EBIT growth 5Y24.96%
EBIT Next Year38.3%
EBIT Next 3Y30.67%
EBIT Next 5Y24.88%
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 3 / 10 to ADYEN NV (ADYEN.AS). This can be considered as Overvalued.
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.