EDENRED (EDEN.PA) Stock Fundamental Analysis
EPA:EDEN - Euronext Paris - Matif - FR0010908533 - Common Stock - Currency: EUR
EDEN gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 industry peers in the Financial Services industry. While EDEN has a great profitability rating, there are quite some concerns on its financial health. EDEN scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
EDEN had positive earnings in the past year.
EDEN had a positive operating cash flow in the past year.
Each year in the past 5 years EDEN has been profitable.
In the past 5 years EDEN always reported a positive cash flow from operatings.
1.2 Ratios
EDEN has a Return On Assets of 3.82%. This is in the better half of the industry: EDEN outperforms 63.83% of its industry peers.
EDEN has a Return On Invested Capital of 17.65%. This is amongst the best in the industry. EDEN outperforms 91.49% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for EDEN is significantly above the industry average of 10.14%.
The 3 year average ROIC (16.28%) for EDEN is below the current ROIC(17.65%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | N/A | ||
| ROIC | 17.65% |
ROA(3y)3.09%
ROA(5y)2.97%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.28%
ROIC(5y)15.08%
1.3 Margins
The Profit Margin of EDEN (17.75%) is better than 65.96% of its industry peers.
In the last couple of years the Profit Margin of EDEN has declined.
EDEN has a Operating Margin of 36.41%. This is in the better half of the industry: EDEN outperforms 74.47% of its industry peers.
In the last couple of years the Operating Margin of EDEN has grown nicely.
EDEN has a better Gross Margin (91.18%) than 91.49% of its industry peers.
EDEN's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.41% | ||
| PM (TTM) | 17.75% | ||
| GM | 91.18% |
OM growth 3Y3.27%
OM growth 5Y1.67%
PM growth 3Y-2.64%
PM growth 5Y-1.54%
GM growth 3Y0.21%
GM growth 5Y0.18%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so EDEN is creating value.
The number of shares outstanding for EDEN has been reduced compared to 1 year ago.
The number of shares outstanding for EDEN has been reduced compared to 5 years ago.
Compared to 1 year ago, EDEN has a worse debt to assets ratio.
2.2 Solvency
EDEN has an Altman-Z score of 0.53. This is a bad value and indicates that EDEN is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of EDEN (0.53) is worse than 70.21% of its industry peers.
EDEN has a debt to FCF ratio of 5.59. This is a neutral value as EDEN would need 5.59 years to pay back of all of its debts.
EDEN has a Debt to FCF ratio of 5.59. This is comparable to the rest of the industry: EDEN outperforms 59.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 5.59 | ||
| Altman-Z | 0.53 |
ROIC/WACC2.81
WACC6.27%
2.3 Liquidity
EDEN has a Current Ratio of 0.85. This is a bad value and indicates that EDEN is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of EDEN (0.85) is worse than 68.09% of its industry peers.
A Quick Ratio of 0.85 indicates that EDEN may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.85, EDEN is doing worse than 68.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
EDEN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.63%, which is quite impressive.
The Earnings Per Share has been growing by 9.28% on average over the past years. This is quite good.
EDEN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.60%.
EDEN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.93% yearly.
EPS 1Y (TTM)25.63%
EPS 3Y19.09%
EPS 5Y9.28%
EPS Q2Q%33.33%
Revenue 1Y (TTM)13.6%
Revenue growth 3Y20.63%
Revenue growth 5Y11.93%
Sales Q2Q%8.14%
3.2 Future
Based on estimates for the next years, EDEN will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.85% on average per year.
The Revenue is expected to grow by 4.99% on average over the next years.
EPS Next Y20.28%
EPS Next 2Y15.66%
EPS Next 3Y14.98%
EPS Next 5Y9.85%
Revenue Next Year5.92%
Revenue Next 2Y6.37%
Revenue Next 3Y6.89%
Revenue Next 5Y4.99%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.33 indicates a correct valuation of EDEN.
EDEN's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.45, EDEN is valued rather cheaply.
EDEN is valuated reasonably with a Price/Forward Earnings ratio of 11.09.
Based on the Price/Forward Earnings ratio, EDEN is valued a bit cheaper than 70.21% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.90. EDEN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.33 | ||
| Fwd PE | 11.09 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, EDEN is valued a bit cheaper than the industry average as 74.47% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, EDEN is valued cheaply inside the industry as 85.11% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.92 | ||
| EV/EBITDA | 4.93 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EDEN has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as EDEN's earnings are expected to grow with 14.98% in the coming years.
PEG (NY)0.66
PEG (5Y)1.44
EPS Next 2Y15.66%
EPS Next 3Y14.98%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.60%, EDEN is a good candidate for dividend investing.
EDEN's Dividend Yield is a higher than the industry average which is at 3.85.
EDEN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
5.2 History
The dividend of EDEN is nicely growing with an annual growth rate of 28.21%!
Dividend Growth(5Y)28.21%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
EDEN pays out 60.55% of its income as dividend. This is not a sustainable payout ratio.
EDEN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.55%
EPS Next 2Y15.66%
EPS Next 3Y14.98%
EPA:EDEN (7/4/2025, 7:00:00 PM)
26.8
-0.4 (-1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners84.22%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap6.43B
Analysts77.5
Price Target42.96 (60.3%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
Yearly Dividend1.26
Dividend Growth(5Y)28.21%
DP60.55%
Div Incr Years4
Div Non Decr Years4
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)-0.08%
PT rev (3m)-0.55%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.33 | ||
| Fwd PE | 11.09 | ||
| P/S | 2.25 | ||
| P/FCF | 7.92 | ||
| P/OCF | 6.25 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.93 |
EPS(TTM)2.01
EY7.5%
EPS(NY)2.42
Fwd EY9.02%
FCF(TTM)3.38
FCFY12.63%
OCF(TTM)4.29
OCFY16.01%
SpS11.91
BVpS-3.79
TBVpS-22.65
PEG (NY)0.66
PEG (5Y)1.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.82% | ||
| ROE | N/A | ||
| ROCE | 30.54% | ||
| ROIC | 17.65% | ||
| ROICexc | 96.55% | ||
| ROICexgc | N/A | ||
| OM | 36.41% | ||
| PM (TTM) | 17.75% | ||
| GM | 91.18% | ||
| FCFM | 28.43% |
ROA(3y)3.09%
ROA(5y)2.97%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)16.28%
ROIC(5y)15.08%
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)27.14%
ROCE(5y)25.12%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5Y-43.2%
OM growth 3Y3.27%
OM growth 5Y1.67%
PM growth 3Y-2.64%
PM growth 5Y-1.54%
GM growth 3Y0.21%
GM growth 5Y0.18%
F-Score6
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 5.59 | ||
| Debt/EBITDA | 3.12 | ||
| Cap/Depr | 88.57% | ||
| Cap/Sales | 7.6% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 80.08% | ||
| Profit Quality | 160.16% | ||
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 | ||
| Altman-Z | 0.53 |
F-Score6
WACC6.27%
ROIC/WACC2.81
Cap/Depr(3y)78.52%
Cap/Depr(5y)81.06%
Cap/Sales(3y)7.53%
Cap/Sales(5y)7.34%
Profit Quality(3y)235.44%
Profit Quality(5y)224.17%
High Growth Momentum
Growth
EPS 1Y (TTM)25.63%
EPS 3Y19.09%
EPS 5Y9.28%
EPS Q2Q%33.33%
EPS Next Y20.28%
EPS Next 2Y15.66%
EPS Next 3Y14.98%
EPS Next 5Y9.85%
Revenue 1Y (TTM)13.6%
Revenue growth 3Y20.63%
Revenue growth 5Y11.93%
Sales Q2Q%8.14%
Revenue Next Year5.92%
Revenue Next 2Y6.37%
Revenue Next 3Y6.89%
Revenue Next 5Y4.99%
EBIT growth 1Y15.43%
EBIT growth 3Y24.57%
EBIT growth 5Y13.8%
EBIT Next Year29.63%
EBIT Next 3Y14.58%
EBIT Next 5Y7.83%
FCF growth 1Y-5.8%
FCF growth 3Y18.34%
FCF growth 5Y17.21%
OCF growth 1Y-2.19%
OCF growth 3Y19.43%
OCF growth 5Y17.22%