ADYEN NV (ADYEN.AS) Stock Fundamental Analysis
Europe - AMS:ADYEN - NL0012969182 - Common Stock
1288.6 EUR
-22.4 (-1.71%)
Overall ADYEN gets a fundamental rating of 6 out of 10. We evaluated ADYEN against 52 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 not valued too expensively and it also shows a decent growth rate. These ratings could make ADYEN a good candidate for quality investing.
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.
ADYEN had positive earnings in each of the past 5 years.
In the past 5 years ADYEN always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 7.15%, ADYEN belongs to the top of the industry, outperforming 88.46% of the companies in the same industry.
ADYEN has a better Return On Equity (21.32%) than 84.62% of its industry peers.
ADYEN has a Return On Invested Capital of 15.30%. This is amongst the best in the industry. ADYEN outperforms 92.31% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ADYEN is significantly above the industry average of 9.75%.
| 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
Looking at the Profit Margin, with a value of 40.51%, ADYEN belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
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 84.62% of its industry peers.
In the last couple of years the Operating Margin of ADYEN has grown nicely.
The Gross Margin of ADYEN (88.47%) is better than 90.38% of its industry peers.
ADYEN's Gross Margin has improved in the last couple of years.
| 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
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
Compared to 5 years ago, ADYEN has more shares outstanding
Compared to 1 year ago, ADYEN has an improved debt to assets ratio.
2.2 Solvency
ADYEN has an Altman-Z score of 3.87. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.
ADYEN's Altman-Z score of 3.87 is amongst the best of the industry. ADYEN outperforms 80.77% 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.
ADYEN's Debt to FCF ratio of 0.07 is amongst the best of the industry. ADYEN outperforms 94.23% 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 84.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 3.87 |
ROIC/WACC2.03
WACC7.53%
2.3 Liquidity
A Current Ratio of 1.48 indicates that ADYEN should not have too much problems paying its short term obligations.
ADYEN has a Current ratio (1.48) which is comparable to the rest of the industry.
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.
ADYEN has a Quick ratio of 1.47. This is in the better half of the industry: ADYEN outperforms 63.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.48 | ||
| Quick Ratio | 1.47 |
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
Looking at the last year, ADYEN shows a quite strong growth in Revenue. The Revenue has grown by 19.86% in the last year.
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.
ADYEN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.76% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 40.64, the valuation of ADYEN can be described as expensive.
ADYEN's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of ADYEN to the average of the S&P500 Index (25.07), we can say ADYEN is valued expensively.
Based on the Price/Forward Earnings ratio of 30.12, the valuation of ADYEN can be described as expensive.
ADYEN's Price/Forward Earnings ratio is in line with the industry average.
ADYEN is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.64 | ||
| Fwd PE | 30.12 |
4.2 Price Multiples
ADYEN's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, ADYEN is valued a bit cheaper than 67.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.83 | ||
| EV/EBITDA | 26.14 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
The excellent profitability rating of ADYEN may justify a higher PE ratio.
ADYEN's earnings are expected to grow with 22.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.38
PEG (5Y)1.17
EPS Next 2Y20.13%
EPS Next 3Y22.05%
5. Dividend
5.1 Amount
ADYEN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMS:ADYEN (11/21/2025, 3:52:15 PM)
1288.6
-22.4 (-1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners80.63%
Inst Owner ChangeN/A
Ins Owners7.35%
Ins Owner ChangeN/A
Market Cap40.62B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts80.49
Price Target1834.14 (42.34%)
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)-0.19%
PT rev (3m)-5.5%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.84%
EPS NY rev (3m)-7.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)-2.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.64 | ||
| Fwd PE | 30.12 | ||
| P/S | 16.51 | ||
| P/FCF | 10.83 | ||
| P/OCF | 10.53 | ||
| P/B | 8.69 | ||
| P/tB | 8.7 | ||
| EV/EBITDA | 26.14 |
EPS(TTM)31.71
EY2.46%
EPS(NY)42.78
Fwd EY3.32%
FCF(TTM)119
FCFY9.23%
OCF(TTM)122.37
OCFY9.5%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)2.38
PEG (5Y)1.17
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 | 3.87 |
F-Score5
WACC7.53%
ROIC/WACC2.03
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.