+9%

est. 2Y upside i

FinTech

End-to-end payment platform for global commerce

Rank

#3124

Sector

Fintech

Est. Liquidity

~2Y

Data Quality

Data: Medium

Adyen presents a moderate upside opportunity for job seekers, driven by its strong competitive moat, consistent profitability, and strategic expansion into high-growth payment segments like unified commerce and embedded finance.

Last updated: March 10, 2026

Bull (30%)+70%

Adyen significantly expands its market share in unified commerce and embedded finance, leveraging its single platform and AI-driven fraud prevention (Dynamic Identification) to win large enterprise clients from competitors like Worldpay and Stripe. This drives revenue growth consistently above 25% YoY, pushing the valuation to approximately $58.14B by 2028, reflecting a premium multiple due to sustained high-margin growth and market leadership.

Base (45%)+25%

Adyen maintains its strong competitive position, growing revenue at the guided 20-22% YoY and expanding EBITDA margins to around 55% by 2028, driven by continued wallet share gains with existing customers and steady new client acquisition. The company's valuation reaches approximately $42.75B by 2028, reflecting stable performance in a competitive but growing fintech market.

Bear (25%)-35%

Increased competition from well-funded rivals like Stripe and PayPal's 'Fastlane' checkout, coupled with persistent foreign exchange headwinds and softer-than-expected payment volumes, leads to revenue growth falling below the 20% guidance. This results in a multiple contraction and a valuation decline to approximately $22.23B by 2028, impacting employee equity value.

Est. time to liquidity~2.0 years
Adjusted for competitive dynamics: 34% (raw: 9%, adjustment: +10%)

Preference Stack Risk

low

Funding Intensity

1%

Adyen is a public company, so employees receive common stock or RSUs. The total funding of $266M on a $34.2B valuation results in a very low funding intensity of 0.78%, indicating minimal liquidation preferences ahead of common shareholders.

Dilution Risk

moderate

As a public company, dilution is an ongoing process primarily through employee stock compensation plans and potential acquisitions. Adyen plans to hire 550-650 new team members, which will involve equity grants.

Secondary Liquidity

active

As a publicly traded company on the Euronext Amsterdam exchange (AMS: ADYEN) and OTC markets (OTCMKTS: ADYEY), Adyen's shares offer active liquidity.

View all 283 open roles at Adyen →

Last updated: March 10, 2026

Questions to Ask at the Interview

Strategic questions based on Adyen's data — designed to show you've done your homework.

  • 1

    “Given the recent market reaction to H2 2025 results and the 20-22% revenue growth guidance, how is Adyen planning to accelerate growth beyond this range, particularly in the competitive North American market against players like Stripe and PayPal?”

  • 2

    “Adyen's strategy includes expanding into embedded finance and agentic AI commerce. What are the key milestones and success metrics for these initiatives over the next 12-24 months, and how will they contribute to margin expansion?”

  • 3

    “With the stock experiencing some volatility, how does Adyen communicate the long-term equity opportunity to employees, and what mechanisms are in place to ensure employees feel confident in their equity package over a 2-year horizon?”

Cluster Peers

Expected Upside

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+30%
Klarna
-10%
Checkout.com
-70%
Airwallex
-70%

Community

Valuation Sentiment

Our model estimates +9% upside. What do you think?

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Disclaimer: This analysis is AI-generated and does not constitute financial or career advice. Always conduct your own due diligence.