{"id":13324,"date":"2023-08-21T10:07:37","date_gmt":"2023-08-21T10:07:37","guid":{"rendered":"https:\/\/isafespend.com\/news\/europes-stripe-rival-adyen-saw-20-billion-wiped-off-its-value-in-a-single-day-heres-whats-going-on\/"},"modified":"2023-08-21T10:07:39","modified_gmt":"2023-08-21T10:07:39","slug":"europes-stripe-rival-adyen-saw-20-billion-wiped-off-its-value-in-a-single-day-heres-whats-going-on","status":"publish","type":"post","link":"https:\/\/isafespend.com\/?p=13324","title":{"rendered":"Europe&#8217;s Stripe rival Adyen saw $20 billion wiped off its value in a single day. Here&#8217;s what&#8217;s going on"},"content":{"rendered":"<div id=\"RegularArticle-ArticleBody-5\" data-module=\"ArticleBody\" data-test=\"articleBody-2\" data-analytics=\"RegularArticle-articleBody-5-2\"><span class=\"HighlightShare-hidden\" style=\"top:0;left:0\"><\/span><\/p>\n<div class=\"group\">\n<p>Spirits were high when Dutch payments firm <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-1\">Adyen<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span> floated on the Amsterdam Stock Exchange in 2018.<\/p>\n<p>The company was riding a wave of growth in Europe&#8217;s technology sector and snapping up competition from its mega U.S. rival PayPal.<\/p>\n<p>Since then, the company has weathered a turbulent ride, including a global pandemic that knocked volumes from travel clients significantly.<\/p>\n<p>The firm expanded aggressively in North America, where some of its most high-profile merchants are based, and hired hundreds of employees to turbocharge growth.<\/p>\n<p>As the macroeconomic environment shifted in 2023, Adyen&#8217;s growth strategy has been challenged in a big way.<\/p>\n<p>Company shares plummeted 39% on Thursday, erasing 18 billion euros ($39 billion) from Adyen&#8217;s market capitalization, as investors dumped the stock after the firm reported its slowest revenue growth on record.<\/p>\n<p>The stock closed down a further 2.9% Friday after the precipitous decline of Thursday.<\/p>\n<\/div>\n<h2 class=\"ArticleBody-subtitle\">What is Adyen?<\/h2>\n<div class=\"group\">\n<p>Identified as one of the top 200 global fintech companies globally by CNBC and Statista, Adyen is a payments services firm\u00a0that works with customers including <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-7\">Netflix<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span>, <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-8\">Meta<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span> and <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-9\">Spotify<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span>.<\/p>\n<p>It also sells point-of-sale systems for physical stores and handles payments online and in-store.<\/p>\n<p>More than a processor, Adyen is what is known as a payment gateway \u2014 meaning that it uses technology to enable merchants to take card payments and transactions through online stores.<\/p>\n<p>The company takes a small cut off every deal that runs through its platform.<\/p>\n<p>It was co-founded by Pieter van der Does, the firm&#8217;s chief executive officer, and Arnout Schuijff, former chief technology officer.<\/p>\n<\/div>\n<h2 class=\"ArticleBody-subtitle\">What just happened?<\/h2>\n<div class=\"group\">\n<p>Adyen last week reported results for the first half of the year that came in well below expectations. The company&#8217;s revenue of 739.1 million euros ($804.3 million) for the period was up 21% year over year \u2014 but showed Adyen&#8217;s slowest sales growth on record.<\/p>\n<p>Analyst had expected 853.6 million euros of revenue and 40% of year-on-year growth, according to Eikon Refinitiv forecasts. <\/p>\n<p>Adyen has typically been viewed as a growth stock, after consistently reporting revenue growth of 26% each half-year period since its 2018 stock market debut.<\/p>\n<p>&#8220;With higher inflation, leading to higher interest rates, there has been a bit of a shift of focus \u2014 less focus on growth, more focus on bottom line,&#8221; Adyen Chief Financial Officer Ethan Tandowsky told CNBC&#8217;s &#8220;Squawk Box Europe&#8221; Thursday.<\/p>\n<p>Tandowsky insisted that the company had &#8220;limited churn&#8221; and that none of its large customers had left the platform.<\/p>\n<p>But concerns that competitors in local markets, particularly in North America, are muscling in with cheaper offerings have heavily weighed on company prospects.<\/p>\n<p>Adyen said in a letter to shareholders this week that its EBITDA (earnings before interest, tax, depreciation and amortization) margin fell to 43% in the first half of 2023 from 59% in the same period a year ago.<\/p>\n<p>The company said this was down to softer growth in North America and to higher employment costs such as wages, as it ramped up hiring during the period.<\/p>\n<p>Tandowsky insisted the company had more of a focus on &#8220;functionality&#8221; than its peers, even though those peers may offer cheaper services.<\/p>\n<p>&#8220;The efficiency of which we can develop new functionality, functionality that out performs our peers will lead us to gaining the market share that we expect.&#8221;<\/p>\n<\/div>\n<h2 class=\"ArticleBody-subtitle\">Structural challenges<\/h2>\n<div class=\"group\">\n<p>At the heart of Adyen&#8217;s woes is a business heavily dependent on customers&#8217; willingness to stick to a single platform for their all their payment needs. The company also needs to convince those users that what it sells is better than what&#8217;s on offer from a competitor.<\/p>\n<p>In its half-year 2023 report, Adyen said that many of its North American customers are cutting back on costs to weather economic pressures like rising interest rates and higher inflation.<\/p>\n<p>&#8220;Enterprise businesses prioritized cost optimization, while competition for digital volumes in the region provided savings over functionality,&#8221; Adyen said in a letter to shareholders.<\/p>\n<p>&#8220;These dynamics are not new, and online volumes are easiest to transition back and forth. Amid these developments, we consciously continued to price for the value we bring.&#8221;<\/p>\n<p>Adyen also said its profitability had suffered from a push to aggressively ramp up hiring. EBITDA came in at 320 million euros, down 10% from the first half of 2022.<\/p>\n<p>Adyen added 551 employees in the first half of the year, taking its total full-time employee count up to 3,883.<\/p>\n<p>Some of the company&#8217;s rivals have cut back on hiring significantly. In November 2022, Stripe laid off 14% of its workforce, or about 1,100 people.<\/p>\n<p>The main challenge Adyen now faces is competition from challengers that are willing to offer lower rates than it provides.<\/p>\n<p>Speaking with the Financial Times on Thursday, Adyen CEO Pieter van der Does said that merchants are &#8220;trying to explore local providers&#8221; to cut down on costs.<\/p>\n<p>&#8220;It&#8217;s not that we&#8217;re shrinking \u2014 we&#8217;re just growing at a slower rate,&#8221; he added.<\/p>\n<p>Adyen has historically been a lean business, opting to hire fewer people overall than its main competitor Stripe, which has roughly double the staffing.<\/p>\n<p>Simon Taylor, head of strategy at Sardine.ai, said that Adyen might face a &#8220;natural ceiling&#8221; to what business size it can reach before having to reduce its margins to grow again.<\/p>\n<p>&#8220;Ultimately they&#8217;re subject to the same macro headwinds everyone in e-commerce is,&#8221; Taylor told CNBC. &#8220;And they still grew 21%. Incumbents would kill for that.&#8221;<\/p>\n<\/div>\n<div data-test=\"WildCardEmbed\">\n<div class=\"WildcardEmbed-wrapper\">\n<style><![CDATA[\n\tdiv {\n\t\tbox-sizing: border-box;\n\t}\n\t.noselect {\n\t  -webkit-touch-callout: none; \/* iOS Safari *\/\n\t\t-webkit-user-select: none; \/* Safari *\/\n\t\t -khtml-user-select: none; \/* Konqueror HTML *\/\n\t\t   -moz-user-select: none; \/* Old versions of Firefox *\/\n\t\t\t-ms-user-select: none; \/* Internet Explorer\/Edge *\/\n\t\t\t\tuser-select: none; \/* Non-prefixed version, currently\n\t\t\t\t\t\t\t\t\t  supported by Chrome, Edge, Opera and Firefox *\/\n\t}\n\t\n\t.DO-widget-wrapper {\n\t\twidth: 100%; \n\t\tmax-width: 620px;\n\t\tbackground-color: #fff;\n\t}\n\t\n\t.DO-logo-row {\n\t\tmargin-bottom: 10px;\n\t\t\n\t}\n\t\n\t.DO-body {\n\t\tborder-top: 2px #289dcf solid;\n\t\tborder-bottom: 2px #289dcf solid;\n\t\tpadding: 12px 0 12px 0;\n\t\tmargin-bottom: 20px;\n\t\t\n\t}\n\t\n\t.DO-bodycopy .DO-button {\n\t\tfont-family: Proxima Nova,Helvetica,Arial,sans-serif;\n\t}\n\t\n\t.DO-bodycopy {color: #424858; font-size: 18px; line-height: 31px; margin-bottom: 12px;}\n\t\n\t.DO-button {\n\t\tcolor: #fff; \n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t\twidth: 120px;\t\n\t\theight: 30px;\n\t\tbackground-color: #0071bc;\n\t\tborder-radius: 6px;\n\t\ttext-transform: uppercase;\n\t\tpadding: 4px;\n\t\ttext-align: center;\t\n\t\tcursor: pointer;\n\t\tmargin-bottom: 4px;\n\t\ttext-decoration: none !important;\n\t}\n\t\n\t.DO-button:hover {\n\t\tbackground-color: #0a94e0;\n\t\ttext-decoration: none !important;\n\t}\n\t\n\t@media \n\t\t\t\n\n]]><\/style>\n<\/div>\n<\/div>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.cnbc.com\/2023\/08\/21\/adyen-europes-fintech-darling-faces-big-challenges.html\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spirits were high when Dutch payments firm Adyen floated on the Amsterdam Stock Exchange in 2018. The company was riding a wave of growth in Europe&#8217;s technology sector and snapping up competition from its mega U.S. rival PayPal. Since then, the company has weathered a turbulent ride, including a global pandemic that knocked volumes from<\/p>\n","protected":false},"author":1,"featured_media":13325,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[],"class_list":{"0":"post-13324","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Europe&#039;s Stripe rival Adyen saw $20 billion wiped off its value in a single day. 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