EDENRED (EDEN.PA) Stock Fundamental Analysis
Europe - EPA:EDEN - FR0010908533 - Common Stock
20.64 EUR
+0.04 (+0.19%)
We assign a fundamental rating of 6 out of 10 to EDEN. EDEN was compared to 52 industry peers in the Financial Services industry. EDEN scores excellent on profitability, but there are concerns on its financial health. EDEN may be a bit undervalued, certainly considering the very reasonable score on growth EDEN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year EDEN was profitable.
In the past year EDEN had a positive cash flow from operations.
Each year in the past 5 years EDEN has been profitable.
EDEN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EDEN has a Return On Assets of 3.80%. This is in the better half of the industry: EDEN outperforms 67.31% of its industry peers.
EDEN has a Return On Invested Capital of 19.31%. This is amongst the best in the industry. EDEN outperforms 94.23% 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 9.42%.
The last Return On Invested Capital (19.31%) for EDEN is above the 3 year average (16.28%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.8% | ||
| ROE | N/A | ||
| ROIC | 19.31% |
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
Looking at the Profit Margin, with a value of 17.41%, EDEN is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
EDEN's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 36.88%, EDEN belongs to the top of the industry, outperforming 80.77% of the companies in the same industry.
EDEN's Operating Margin has improved in the last couple of years.
EDEN's Gross Margin of 91.62% is amongst the best of the industry. EDEN outperforms 96.15% of its industry peers.
In the last couple of years the Gross Margin of EDEN has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.88% | ||
| PM (TTM) | 17.41% | ||
| GM | 91.62% |
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.
EDEN has less shares outstanding than it did 1 year ago.
EDEN has less shares outstanding than it did 5 years ago.
EDEN has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.46, we must say that EDEN is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.46, EDEN is not doing good in the industry: 65.38% of the companies in the same industry are doing better.
EDEN has a debt to FCF ratio of 7.79. This is a slightly negative value and a sign of low solvency as EDEN would need 7.79 years to pay back of all of its debts.
EDEN has a Debt to FCF ratio of 7.79. This is comparable to the rest of the industry: EDEN outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 7.79 | ||
| Altman-Z | 0.46 |
ROIC/WACC2.99
WACC6.45%
2.3 Liquidity
EDEN has a Current Ratio of 0.86. This is a bad value and indicates that EDEN is not financially healthy enough and could expect problems in meeting its short term obligations.
EDEN's Current ratio of 0.86 is on the low side compared to the rest of the industry. EDEN is outperformed by 78.85% of its industry peers.
A Quick Ratio of 0.86 indicates that EDEN may have some problems paying its short term obligations.
The Quick ratio of EDEN (0.86) is worse than 78.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 |
3. Growth
3.1 Past
EDEN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.39%, which is quite impressive.
EDEN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.28% yearly.
Looking at the last year, EDEN shows a small growth in Revenue. The Revenue has grown by 6.05% in the last year.
The Revenue has been growing by 11.93% on average over the past years. This is quite good.
EPS 1Y (TTM)21.39%
EPS 3Y19.09%
EPS 5Y9.28%
EPS Q2Q%10.11%
Revenue 1Y (TTM)6.05%
Revenue growth 3Y20.63%
Revenue growth 5Y11.93%
Sales Q2Q%4.01%
3.2 Future
EDEN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.23% yearly.
The Revenue is expected to grow by 5.32% on average over the next years.
EPS Next Y13.42%
EPS Next 2Y12.85%
EPS Next 3Y12.8%
EPS Next 5Y11.23%
Revenue Next Year4.27%
Revenue Next 2Y5.3%
Revenue Next 3Y6.18%
Revenue Next 5Y5.32%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.83 indicates a reasonable valuation of EDEN.
Compared to the rest of the industry, the Price/Earnings ratio of EDEN indicates a somewhat cheap valuation: EDEN is cheaper than 78.85% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.40. EDEN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 8.06, which indicates a very decent valuation of EDEN.
82.69% of the companies in the same industry are more expensive than EDEN, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of EDEN to the average of the S&P500 Index (22.94), we can say EDEN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.83 | ||
| Fwd PE | 8.06 |
4.2 Price Multiples
78.85% of the companies in the same industry are more expensive than EDEN, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, EDEN is valued cheaply inside the industry as 80.77% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.52 | ||
| EV/EBITDA | 4.15 |
4.3 Compensation for Growth
EDEN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The excellent profitability rating of EDEN may justify a higher PE ratio.
A more expensive valuation may be justified as EDEN's earnings are expected to grow with 12.80% in the coming years.
PEG (NY)0.73
PEG (5Y)1.06
EPS Next 2Y12.85%
EPS Next 3Y12.8%
5. Dividend
5.1 Amount
EDEN has a Yearly Dividend Yield of 5.87%, which is a nice return.
The stock price of EDEN dropped by -21.34% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.52, EDEN pays a better dividend. On top of this EDEN pays more dividend than 90.38% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, EDEN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
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
63.71% of the earnings are spent on dividend by EDEN. This is not a sustainable payout ratio.
The dividend of EDEN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP63.71%
EPS Next 2Y12.85%
EPS Next 3Y12.8%
EPA:EDEN (10/17/2025, 7:00:00 PM)
20.64
+0.04 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners83.64%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap4.95B
Analysts75.65
Price Target39.07 (89.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.87% |
Yearly Dividend1.26
Dividend Growth(5Y)28.21%
DP63.71%
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)-5.23%
PT rev (3m)-9.05%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.53%
EPS NY rev (3m)-5.7%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-1.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.83 | ||
| Fwd PE | 8.06 | ||
| P/S | 1.7 | ||
| P/FCF | 7.52 | ||
| P/OCF | 5.68 | ||
| P/B | N/A | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.15 |
EPS(TTM)2.1
EY10.17%
EPS(NY)2.56
Fwd EY12.4%
FCF(TTM)2.74
FCFY13.29%
OCF(TTM)3.64
OCFY17.61%
SpS12.14
BVpS-4.84
TBVpS-23.17
PEG (NY)0.73
PEG (5Y)1.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.8% | ||
| ROE | N/A | ||
| ROCE | 32.1% | ||
| ROIC | 19.31% | ||
| ROICexc | 131.27% | ||
| ROICexgc | N/A | ||
| OM | 36.88% | ||
| PM (TTM) | 17.41% | ||
| GM | 91.62% | ||
| FCFM | 22.6% |
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-Score7
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | 7.79 | ||
| Debt/EBITDA | 3.1 | ||
| Cap/Depr | 82.63% | ||
| Cap/Sales | 7.35% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 65.42% | ||
| Profit Quality | 129.78% | ||
| Current Ratio | 0.86 | ||
| Quick Ratio | 0.86 | ||
| Altman-Z | 0.46 |
F-Score7
WACC6.45%
ROIC/WACC2.99
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)21.39%
EPS 3Y19.09%
EPS 5Y9.28%
EPS Q2Q%10.11%
EPS Next Y13.42%
EPS Next 2Y12.85%
EPS Next 3Y12.8%
EPS Next 5Y11.23%
Revenue 1Y (TTM)6.05%
Revenue growth 3Y20.63%
Revenue growth 5Y11.93%
Sales Q2Q%4.01%
Revenue Next Year4.27%
Revenue Next 2Y5.3%
Revenue Next 3Y6.18%
Revenue Next 5Y5.32%
EBIT growth 1Y8.48%
EBIT growth 3Y24.57%
EBIT growth 5Y13.8%
EBIT Next Year27.16%
EBIT Next 3Y14.24%
EBIT Next 5Y8.16%
FCF growth 1Y-21.2%
FCF growth 3Y18.34%
FCF growth 5Y17.21%
OCF growth 1Y-12.71%
OCF growth 3Y19.43%
OCF growth 5Y17.22%