Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Loading stockData sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
Adyen N.V. is a Dutch public limited liability company (Naamloze Vennootschap) specializing in end-to-end payment solutions as a technology-driven acquiring bank. Founded in 2006 and headquartered in Amsterdam, Netherlands, it provides a single integrated platform that enables merchants to accept e-commerce, mobile, point-of-sale, and cross-channel payments globally across Europe, the Middle East, Africa, North America, Asia Pacific, and Latin America. The platform combines payment gateway, risk management, processing, acquiring, settlement, data insights, and financial products like issuing, capital, and payouts, serving sectors such as digital businesses, omnichannel retail, SaaS platforms, mobility, food and beverages, subscriptions, and hospitality. Notable for its in-house built infrastructure, Adyen supports over 4,000 employees across 28 offices worldwide and processed €970.1 billion in volume in 2023, facilitating frictionless payments, fraud protection, and business growth through unified commerce and optimization tools. Incorporated under Dutch law with activities in banking, IT, internet, and consultancy, it holds acquiring licenses in multiple regions and maintains profitability since 2011.
€1,061.60
+€2.40 (+0.23%)
EOD Aug 14, 2026
Margins and capital returns are both well above average: 41.42% operating margin, ROIC at 16.72%. Consistent with durable pricing power, though that alone doesn't make it a buy.
Revenue up 18.9% YoY with margins expanding 2.2pp. However, free cash flow softened 44%, worth monitoring whether this is timing or structural.
At 32x earnings, the current multiple leaves limited room for execution misses or growth deceleration. Free cash flow declined 44% versus the prior year, cash generation momentum has weakened.
31.6x earnings, 37.0x FCF. Not cheap, the quality is already reflected in the price. Upside from here requires either margin expansion or growth re-acceleration, not just continuation.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€2.65B
▲ +18.9% YoY
Net Income (TTM)
€1.06B
▲ +14.8% YoY
Op. Margin
41.42%
▲ +2.2pp YoY
ROIC
16.72%
Cash Flow & Balance Sheet
FCF (TTM)
€905M
▼ -43.6% YoY
Op. Cash Flow (TTM)
€1.20B
▼ -29.5% YoY
Net Debt
-€10.20B
Net Cash Position
Cash & Equiv.
€10.46B
3Y CAGR: -33.3%
3Y CAGR: -22.2%
Continue Research
At a P/E of 31.6 and a price-to-free-cash-flow of 37.0, Adyen (ADYEN.XAMS) trades above a two-stage DCF intrinsic value of about €821.27 per share, so at €1,061.60 the stock looks overvalued (22.6% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Adyen scores 49/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €821.27 per share for ADYEN.XAMS, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €615.95. At today's €1,061.60, that puts the stock about 22.6% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Adyen scores 49 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 41.4% operating margin and a 16.7% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. ADYEN.XAMS currently trades above its estimated intrinsic value and scores 49/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.