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Adyen NVADYYF -0.94%85 Cash-to-Debt is 30.30 as of Jun. 2026, which is 6% below its 10-year median of 32.15. GuruFocus rates ADYYF with a GF Score™ of 85/100 and a GF Value™ of $1,926.52 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,843 Software companies, Adyen NV ranks better than 77.7% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Adyen NV's cash to debt ratio for the quarter that ended in Jun. 2026 was 30.30.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Adyen NVcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Adyen NV's Cash-to-Debt or its related term are showing as below:
ADYYF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 8.7 Med: 32.15 Max: No Debt
Current: 29.49
During the past 11 years, Adyen NV's highest Cash to Debt Ratio was No Debt. The lowest was 8.70. And the median was 32.15.
ADYYF's Cash-to-Debt is ranked better than 77.7% of 2843
companies
in the Software industry
Industry Median: 2.49
vs ADYYF: 29.49
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Adyen NV Cash-to-Debt Related Terms
Adyen NV Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Adyen NV's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ADYYF vs MSFT, PLTR, ORCL: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, Adyen NV's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Adyen NV Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Adyen NV's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Adyen NV's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Adyen NV (ADYYF) has a Cash-to-Debt of 30.30 as of Jun. 2026. This is near median its historical median of 32.15. Over the past decade, Adyen NV's Cash-to-Debt has ranged from 8.70 to 10,000.00. According to the industry distribution chart, Adyen NV ranks #634 out of 2843 companies in the Software industry, placing it in the top 22.3%.
Is Adyen NV's Cash-to-Debt too high?
Adyen NV's current Cash-to-Debt of 30.30 is near median its 10-year median of 32.15. Over the past 10 years, this metric has ranged from a low of 8.70 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.49. Adyen NV's value of 30.30 is 1116.9% above this industry median. Based on the distribution chart, Adyen NV ranks #634 out of 2843 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Adyen NV has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Adyen NV's Cash-to-Debt compare to MSFT and PLTR?
According to the Software industry distribution chart, Adyen NV ranks #634 out of 2843 companies for Cash-to-Debt. This places Adyen NV in the top 22% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 2.49. Adyen NV's value of 30.30 is 1116.9% above this benchmark. Historically, Adyen NV's own Cash-to-Debt has ranged from 8.70 to 10,000.00 over the past decade. While the company's 10-year median is 32.15 vs. the industry median of 2.49, Adyen NV has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Software company?
The median Cash-to-Debt among Software companies is 2.49, based on 2,843 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Adyen NV's current Cash-to-Debt of 30.30 is 1116.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Cash-to-Debt is 2.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adyen NV's current Cash-to-Debt is 30.30, which is near median its own 10-year median of 32.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adyen NV stock overvalued right now?
Based on GuruFocus' analysis, Adyen NV (ADYYF) is currently considered Significantly Undervalued. The stock's GF Value™ is $1,926.52, compared to a current price of $1,006.99 — trading 47.7% below its estimated fair value. The current Cash-to-Debt is 30.30, which is near median its 10-year median of 32.15 and 1116.9% above the Software industry median of 2.49. Adyen NV's overall GF Score™ is 85/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Adyen NV (ADYYF), the current Cash-to-Debt is 30.30 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Adyen NV (ADYYF) Overvalued in 2026?
Based on GuruFocus' analysis, Adyen NV stock appears to be undervalued.
The current stock price of $1,006.99 is trading 47.7% below its estimated GF Value™ of $1,926.52.
GuruFocus considers Adyen NV to be Significantly Undervalued.
Key valuation signals for ADYYF:
Cash-to-Debt: 30.30 (near median its 10-year median of 32.15)
GF Value™: $1,926.52 vs. price of $1,006.99 (47.7% below fair value)
Industry Position: 1116.9% above the Software median (#634 of 2843)
No single metric tells the full story. See the ADYYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Adyen is a payment company that provides merchants with a single platform to accept e-commerce, mobile, and point-of-sale payments in multiple countries using various payment schemes and methodologies. Adyen started out providing only gateway and payment processing services to merchants but soon expanded into merchant acquiring services as well. Adyen obtained a banking license to improve settlement of merchant accounts.
85GF Score
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