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AVIDXCHANGE HOLDINGS INC (AVDX) Stock Fundamental Analysis

NASDAQ:AVDX - Nasdaq - US05368X1028 - Common Stock - Currency: USD

9.84  -0.01 (-0.1%)

After market: 9.84 0 (0%)

Fundamental Rating

4

Overall AVDX gets a fundamental rating of 4 out of 10. We evaluated AVDX against 100 industry peers in the Financial Services industry. While AVDX seems to be doing ok healthwise, there are quite some concerns on its profitability. AVDX shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year AVDX was profitable.
AVDX had a positive operating cash flow in the past year.
AVDX had negative earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: AVDX reported negative operating cash flow in multiple years.
AVDX Yearly Net Income VS EBIT VS OCF VS FCFAVDX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 50M -50M -100M -150M -200M

1.2 Ratios

Looking at the Return On Assets, with a value of 0.09%, AVDX is doing worse than 73.00% of the companies in the same industry.
AVDX has a worse Return On Equity (0.27%) than 75.00% of its industry peers.
Industry RankSector Rank
ROA 0.09%
ROE 0.27%
ROIC N/A
ROA(3y)-2.03%
ROA(5y)-7.78%
ROE(3y)-7.14%
ROE(5y)-20.83%
ROIC(3y)N/A
ROIC(5y)N/A
AVDX Yearly ROA, ROE, ROICAVDX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40 -50

1.3 Margins

Looking at the Profit Margin, with a value of 0.42%, AVDX is doing worse than 73.00% of the companies in the same industry.
AVDX's Gross Margin of 72.30% is amongst the best of the industry. AVDX outperforms 83.00% of its industry peers.
In the last couple of years the Gross Margin of AVDX has grown nicely.
Industry RankSector Rank
OM N/A
PM (TTM) 0.42%
GM 72.3%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.57%
GM growth 5Y6.61%
AVDX Yearly Profit, Operating, Gross MarginsAVDX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 50 -50

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6

2. Health

2.1 Basic Checks

AVDX does not have a ROIC to compare to the WACC, probably because it is not profitable.
AVDX has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for AVDX has been increased compared to 5 years ago.
Compared to 1 year ago, AVDX has an improved debt to assets ratio.
AVDX Yearly Shares OutstandingAVDX Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
AVDX Yearly Total Debt VS Total AssetsAVDX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

Based on the Altman-Z score of 0.66, we must say that AVDX is in the distress zone and has some risk of bankruptcy.
AVDX's Altman-Z score of 0.66 is in line compared to the rest of the industry. AVDX outperforms 53.00% of its industry peers.
AVDX has a debt to FCF ratio of 1.10. This is a very positive value and a sign of high solvency as it would only need 1.10 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 1.10, AVDX belongs to the best of the industry, outperforming 84.00% of the companies in the same industry.
AVDX has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
AVDX's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. AVDX outperforms 77.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.1
Altman-Z 0.66
ROIC/WACCN/A
WACC8.98%
AVDX Yearly LT Debt VS Equity VS FCFAVDX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 1.32 indicates that AVDX should not have too much problems paying its short term obligations.
AVDX has a Current ratio of 1.32. This is in the better half of the industry: AVDX outperforms 61.00% of its industry peers.
AVDX has a Quick Ratio of 1.32. This is a normal value and indicates that AVDX is financially healthy and should not expect problems in meeting its short term obligations.
AVDX has a Quick ratio of 1.32. This is in the better half of the industry: AVDX outperforms 63.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.32
Quick Ratio 1.32
AVDX Yearly Current Assets VS Current LiabilitesAVDX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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7

3. Growth

3.1 Past

AVDX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 95.31%, which is quite impressive.
AVDX shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.46%.
AVDX shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.02% yearly.
EPS 1Y (TTM)95.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)10.46%
Revenue growth 3Y20.9%
Revenue growth 5Y24.02%
Sales Q2Q%2.22%

3.2 Future

AVDX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.94% yearly.
The Revenue is expected to grow by 12.59% on average over the next years. This is quite good.
EPS Next Y3.22%
EPS Next 2Y15.99%
EPS Next 3Y15.23%
EPS Next 5Y31.94%
Revenue Next Year3.66%
Revenue Next 2Y6.78%
Revenue Next 3Y8.19%
Revenue Next 5Y12.59%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
AVDX Yearly Revenue VS EstimatesAVDX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 200M 400M 600M 800M
AVDX Yearly EPS VS EstimatesAVDX Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 0.5 -0.5 1

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1

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 39.36 indicates a quite expensive valuation of AVDX.
Compared to the rest of the industry, the Price/Earnings ratio of AVDX indicates a slightly more expensive valuation: AVDX is more expensive than 74.00% of the companies listed in the same industry.
AVDX is valuated rather expensively when we compare the Price/Earnings ratio to 27.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 29.26, which means the current valuation is very expensive for AVDX.
Based on the Price/Forward Earnings ratio, AVDX is valued a bit more expensive than the industry average as 72.00% of the companies are valued more cheaply.
AVDX's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 21.74.
Industry RankSector Rank
PE 39.36
Fwd PE 29.26
AVDX Price Earnings VS Forward Price EarningsAVDX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

AVDX's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. AVDX is more expensive than 65.00% of the companies in the same industry.
AVDX's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 30.97
EV/EBITDA 55.13
AVDX Per share dataAVDX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates AVDX does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as AVDX's earnings are expected to grow with 15.23% in the coming years.
PEG (NY)12.21
PEG (5Y)N/A
EPS Next 2Y15.99%
EPS Next 3Y15.23%

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0

5. Dividend

5.1 Amount

AVDX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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AVIDXCHANGE HOLDINGS INC

NASDAQ:AVDX (7/7/2025, 8:00:00 PM)

After market: 9.84 0 (0%)

9.84

-0.01 (-0.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)07-30 2025-07-30/bmo
Inst Owners78.64%
Inst Owner Change0%
Ins Owners9.24%
Ins Owner Change5.79%
Market Cap2.03B
Analysts53.75
Price Target10 (1.63%)
Short Float %1.89%
Short Ratio0.66
Dividend
Industry RankSector 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)1
Avg EPS beat(2)0.4%
Min EPS beat(2)-12.23%
Max EPS beat(2)13.03%
EPS beat(4)3
Avg EPS beat(4)3.86%
Min EPS beat(4)-12.23%
Max EPS beat(4)13.03%
EPS beat(8)7
Avg EPS beat(8)85.98%
EPS beat(12)11
Avg EPS beat(12)75.55%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.4%
Min Revenue beat(2)-3.42%
Max Revenue beat(2)-1.37%
Revenue beat(4)0
Avg Revenue beat(4)-2.16%
Min Revenue beat(4)-3.59%
Max Revenue beat(4)-0.24%
Revenue beat(8)4
Avg Revenue beat(8)-0.26%
Revenue beat(12)7
Avg Revenue beat(12)0.52%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.33%
PT rev (3m)4.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.69%
EPS NY rev (1m)-3.52%
EPS NY rev (3m)-5.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.93%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.79%
Valuation
Industry RankSector Rank
PE 39.36
Fwd PE 29.26
P/S 4.6
P/FCF 30.97
P/OCF 23.71
P/B 2.99
P/tB 4.56
EV/EBITDA 55.13
EPS(TTM)0.25
EY2.54%
EPS(NY)0.34
Fwd EY3.42%
FCF(TTM)0.32
FCFY3.23%
OCF(TTM)0.42
OCFY4.22%
SpS2.14
BVpS3.29
TBVpS2.16
PEG (NY)12.21
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.09%
ROE 0.27%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.42%
GM 72.3%
FCFM 14.86%
ROA(3y)-2.03%
ROA(5y)-7.78%
ROE(3y)-7.14%
ROE(5y)-20.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.57%
GM growth 5Y6.61%
F-Score8
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.1
Debt/EBITDA 2.28
Cap/Depr 56.37%
Cap/Sales 4.55%
Interest Coverage N/A
Cash Conversion 289.33%
Profit Quality 3558.82%
Current Ratio 1.32
Quick Ratio 1.32
Altman-Z 0.66
F-Score8
WACC8.98%
ROIC/WACCN/A
Cap/Depr(3y)63.99%
Cap/Depr(5y)68.22%
Cap/Sales(3y)6.1%
Cap/Sales(5y)7.56%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)95.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y3.22%
EPS Next 2Y15.99%
EPS Next 3Y15.23%
EPS Next 5Y31.94%
Revenue 1Y (TTM)10.46%
Revenue growth 3Y20.9%
Revenue growth 5Y24.02%
Sales Q2Q%2.22%
Revenue Next Year3.66%
Revenue Next 2Y6.78%
Revenue Next 3Y8.19%
Revenue Next 5Y12.59%
EBIT growth 1Y83.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year24446.6%
EBIT Next 3Y616.23%
EBIT Next 5Y284.52%
FCF growth 1Y234.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y395.25%
OCF growth 3YN/A
OCF growth 5YN/A