Edenred SA (EDEN) Fair Value & Analysis
Financial Services · FR · Market cap €6.1B · ISIN FR0010908533
What is Edenred SA really worth?
A solid business, trading 36% below our fair value of €47.38.
Strengths
Risks
For context
Fair value as of: Aug 27, 2026
From 23 valuation models · updated 8 days ago
Share price +4.0% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (€35.54). The market is more pessimistic than our downside scenario.
- Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 27, 2026.
How to read this chart
60‑month range €14.45 – €54.28 · fair‑value band €35.54 – €59.23 · the €30.45 price screens below the €47.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.
Analysis
Edenred SA (EDEN) currently trades at €30.45, while our model-based Fair Value estimate is €47.38, implying the stock looks roughly 35.7% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Financial Services sector. Bull case: the DCF Models group reads highest at a median of €64.56 per share, and 17 of the 23 models we run sit above the €30.45 price. Bear case: the Earnings-Based group reads lowest at €17.31, and 6 of the 23 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Edenred SA generated revenue of €2.7B at a net margin of 19.1%. Revenue grew 4.1% year over year. The balance sheet holds a net cash position of €420M. The stock trades on a trailing P/E of 14.4. Fundamentals as of Aug 27, 2026
Our scenario range runs from €35.54 (bear case) to €59.23 (bull case); at €30.45, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 100% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at 56%, EDEN screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly €0.5346 per share, which is 1.1 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 23 models by family
Widest divergence: DCF Models (€64.56) versus Earnings-Based (€17.31). Highest evidence: FCF DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 82
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Edenred SE operates as a digital platform for services and payments for companies, employees, and merchants worldwide. It offers employee benefit solutions, including Ticket Restaurant, a solution that allows employees to take time out for lunch at a partner merchant; Ticket Alimentación, which allows users to pay for groceries in stores and supermarkets; …
Full company description
Edenred SE operates as a digital platform for services and payments for companies, employees, and merchants worldwide. It offers employee benefit solutions, including Ticket Restaurant, a solution that allows employees to take time out for lunch at a partner merchant; Ticket Alimentación, which allows users to pay for groceries in stores and supermarkets; Edenred Regalo, a gift voucher; Ticket CESU, a human services solution; Edenred City, a solution that enables the purchase of staples, such as food and fuel; Welfare Edenred, which employees can use to pay for various services, including access to sports facilities and solutions for their children's educational needs; Edenred Eco, a solution that encourages the purchase of environmentally friendly products in Belgium; and Kadéos Culture in France and Ticket Cultura in Brazil for cultural goods and services, as well as mobility solutions through Edenred Mobility. The company also offers mobility solutions comprising Ticket Car for employees to pay for fuel and other business travel expenses; Empresarial, which enables companies to control spending to reimburse expense claims; Cintelink, a smart cloud platform for service stations and commercial fleets; UTA Edenred, a fuel card; Ticket Fleet Pro for truck fleet management; Edenred Finance that provides refund services to European transportation companies; The Right Fuel Card, a fuel card manager; and Spirii, a platform for recharging electric vehicles. In addition, it provides complementary solutions comprising corporate payment, incentive and rewards, salary card solutions; and benefits and engagement programs. Edenred SE was founded in 1962 and is headquartered in Issy-les-Moulineaux, France.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Edenred SA reported revenue of €2.7B in FY2025 versus €1.6B in FY2021, a compound +14.6%/yr. Reported net income was €521M in FY2025, compounding +13.6%/yr from FY2021.
of which total revenue +11.2 % · buybacks/dilution −1.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Edenred SE (EDNMF) (H1 2026) Earnings Call Highlights: Navigating Regulatory Challenges and ...
- How The Edenred (ENXTPA:EDEN) Investment Story Is Evolving With An Unchanged Analyst View
- Should Value Investors Buy EDENRED (EDNMY) Stock?
- Are Investors Undervaluing EDENRED (EDNMY) Right Now?
Peer Group
Credit Services · 324 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
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