Achieved 21% constant currency growth, driven mainly by share of wallet expansion and customer base growth, despite some APAC online retailers underperforming expectations.
Growth in the second half is expected to mirror the first half, with long-term confidence supported by a strong pipeline and expanding share of wallet.
The 2025 customer cohort is outperforming previous years, attributed to earlier investments in commercial teams and improved sales efficiency.
EMEA remains the largest and most mature region, still growing at or above platform average, with significant fragmentation and opportunity for further expansion.
EBITDA margins are targeted above 50%, leveraging operating scale and a single tech stack, with ongoing investments in team growth and innovation.
Digital remains the largest revenue pillar (about 60%), with continued share gains and a focus on end-to-end optimization through the Uplift suite.
Platforms is the fastest-growing pillar, opening access to the SMB segment via enterprise-scale partners, with revenues growing above 50%.
Unified commerce is driving over 30% growth, expanding from luxury retail to diverse verticals like hospitality and entertainment, capitalizing on the convergence of online and in-person experiences.
Innovation in payment routing and intelligent decisioning (Uplift) delivers cost savings and higher authorization rates, enhancing customer stickiness.
The single global tech stack and licensing framework enable rapid adaptation to new trends and regulatory environments.
Management is focused on execution risk, emphasizing organizational simplification, talent development, and customer-centricity as keys to future success.
Agentic commerce is seen as a real, emerging trend with challenges similar to e-commerce, where existing infrastructure provides a competitive edge.
Stablecoins are monitored for future relevance, especially in developing markets, but are not currently a priority for customers.
Investor Day scheduled for November 11 will focus on long-term growth prospects, strategic investments, and customer feedback.
The company is confident in its growth trajectory, supported by a robust pipeline, high NPS scores, and a strong foundation for continued market share gains.
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Adyen is one of the world's leading end-to-end payments platforms, enabling merchants to accept and process payments through its comprehensive payments infrastructure, both online and offline. Adyen has a broad product suite including integrated payment gateways, payment processing, virtual and physical card issuing, and acquiring processes for brick and mortar, ecommerce, and mobile. Every Adyen solution is built upon the same back-end infrastructure, which entails visibility and control across the entire value chain.
Further reading: The Payments Value Chain: A Complex Ecosystem
Adyen was founded in Amsterdam, 2006, by the current CEO Pieter van der Does and Arnout Schuijff. The company started out as a payment processor for online merchants, which still lies at its core. The business opportunity the founders observed was the mix of the rapidly growing ecommerce industry at the time, and the outdated infrastructure regarding payment processing supporting it. Thus, Adyen set off to build a financial technology platform for the modern era from the ground up, entirely in house. Having every part of the network built in house has proven to be a wise strategic choice, since this has entailed other business opportunities such as providing merchants with data analysis capabilities.
Adyen has a volume-based price offering, which has entailed that many online merchants have chosen Adyen at an early stage. Most of the company's competitors have operated with a flat pricing model instead, which has given Adyen advantages both in terms of attracting new customers and maintaining low churn over time. As of 2023, Adyen is one of the most highly valued companies within its specific niche, having surpassed a market cap of $40 billion. Some competitors who have been successful within the same field are Block, Paypal, and Stripe.
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