ADYEN NV (ADYEN.AS) Stock Fundamental Analysis
Europe - Euronext Amsterdam - AMS:ADYEN - NL0012969182 - Common Stock
1331 EUR
-2.8 (-0.21%)
Taking everything into account, ADYEN scores 6 out of 10 in our fundamental rating. ADYEN was compared to 54 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 is valied quite expensively at the moment, while it does show 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.
ADYEN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ADYEN has a Return On Assets of 7.15%. This is amongst the best in the industry. ADYEN outperforms 87.04% of its industry peers.
Looking at the Return On Equity, with a value of 21.32%, ADYEN belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
The Return On Invested Capital of ADYEN (15.30%) is better than 88.89% 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 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 has a better Profit Margin (40.51%) than 87.04% of its industry peers.
ADYEN's Profit Margin has improved in the last couple of years.
ADYEN's Operating Margin of 40.52% is amongst the best of the industry. ADYEN outperforms 81.48% of its industry peers.
In the last couple of years the Operating Margin of ADYEN has grown nicely.
ADYEN has a Gross Margin of 88.47%. This is amongst the best in the industry. ADYEN outperforms 88.89% 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), ADYEN is creating value.
ADYEN has more shares outstanding than it did 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 3.91. This indicates that ADYEN is financially healthy and has little risk of bankruptcy at the moment.
ADYEN has a better Altman-Z score (3.91) than 81.48% 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 94.44% of its industry peers.
ADYEN has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of ADYEN (0.04) is better than 85.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 3.91 |
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.
ADYEN's Current ratio of 1.48 is in line compared to the rest of the industry. ADYEN outperforms 59.26% 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.
With a decent Quick ratio value of 1.47, ADYEN is doing good in the industry, outperforming 64.81% of the companies in the same industry.
| 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.
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 a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.79% yearly.
Based on estimates for the next years, ADYEN will show a quite strong growth in Revenue. The Revenue will grow by 19.59% on average per year.
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
ADYEN is valuated quite expensively with a Price/Earnings ratio of 41.97.
The rest of the industry has a similar Price/Earnings ratio as ADYEN.
ADYEN is valuated expensively when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 31.32, the valuation of ADYEN can be described as expensive.
62.96% of the companies in the same industry are cheaper than ADYEN, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.80, ADYEN is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 41.97 | ||
| Fwd PE | 31.32 |
4.2 Price Multiples
ADYEN's Enterprise Value to EBITDA is on the same level as the industry average.
64.81% of the companies in the same industry are more expensive than ADYEN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.18 | ||
| EV/EBITDA | 26.79 |
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.
A more expensive valuation may be justified as ADYEN's earnings are expected to grow with 21.33% in the coming years.
PEG (NY)2.4
PEG (5Y)1.21
EPS Next 2Y19.74%
EPS Next 3Y21.33%
5. Dividend
5.1 Amount
ADYEN does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
AMS:ADYEN (12/11/2025, 5:36:15 PM)
1331
-2.8 (-0.21%)
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 Cap41.95B
Revenue(TTM)2.46B
Net Income(TTM)996.51M
Analysts80.49
Price Target1844.37 (38.57%)
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 | 41.97 | ||
| Fwd PE | 31.32 | ||
| P/S | 17.06 | ||
| P/FCF | 11.18 | ||
| P/OCF | 10.88 | ||
| P/B | 8.97 | ||
| P/tB | 8.99 | ||
| EV/EBITDA | 26.79 |
EPS(TTM)31.71
EY2.38%
EPS(NY)42.49
Fwd EY3.19%
FCF(TTM)119
FCFY8.94%
OCF(TTM)122.37
OCFY9.19%
SpS78.04
BVpS148.32
TBVpS148.06
PEG (NY)2.4
PEG (5Y)1.21
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 | 3.91 |
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.