What Makes Adyen (ADYEY) a Highest-Quality Fintech Business?

Rowan Street Capital, an investment management company, has recently released its third-quarter 2025 investor letter. A copy of the letter can be downloaded here. The fund remained unchanged in the third quarter (+0.22%), making the YTD returns through September 30, 2025, to +20.4% net of fees compared to the S&P 500’s +14.8% year-to-date gain. Over the past three years, the firm’s capital compounded at approximately +54.2% annually (net), delivering a +266% cumulative return — more than doubling the S&P 500’s +24.9% annualized gain over the same period. The fund’s performance was driven by its commitment to process refined through years of experience, mistakes, and reflection. For more information on the fund’s best picks in 2025, please check its top five holdings.

In its third-quarter 2025 investor letter, Rowan Street Capital highlighted stocks such as Adyen N.V. (OTC:ADYEY). Based in Amsterdam, the Netherlands, Adyen N.V. (OTC:ADYEY) is a payment platform. The one-month return of Adyen N.V. (OTC:ADYEY) was 6.01%, and its shares gained 12.84% of their value over the last 52 weeks. On October 22, 2025, Adyen N.V. (OTC:ADYEY) stock closed at $17.26 per share, with a market capitalization of $54.62 billion.

Rowan Street Capital stated the following regarding Adyen N.V. (OTC:ADYEY) in its third quarter 2025 investor letter:

“Adyen N.V. (OTC:ADYEY), acquired in 2023, has compounded at an exceptional 44% annualized rate so far. We initiated our position during a period of extreme pessimism, after th stock collapsed nearly 50% on fears of slowing growth and margin compression. In view, the market overreacted to short-term headwinds, missing the deeper story: Adyen is the only global payments platform built entirely in-house for the most complex enterprise merchants — a unified architecture that gives it a structural advantage competitors can’t replicate. As fundamentals quickly stabilized and grow reaccelerated, the stock rebounded sharply — rewarding our willingness to lean in when sentiment was darkest. We continue to view Adyen as one of the highest-qual fintech businesses in the world, led by a shareholder-aligned team that thinks long term.”

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Adyen N.V. (OTC:ADYEY) is not on our list of 30 Most Popular Stocks Among Hedge Funds. According to our database, 1 hedge fund portfolios held Adyen N.V. (OTC:ADYEY) at the end of the second quarter, up from 0 in the previous quarter. While we acknowledge the risk and potential of Adyen N.V. (OTC:ADYEY) as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and doing so within a shorter time frame. If you are looking for an AI stock that is more promising than Adyen N.V. (OTC:ADYEY) and that has 10,000% upside potential, check out our report about this cheapest AI stock.

In addition, please check out our hedge fund investor letters Q3 2025 page for more investor letters from hedge funds and other leading investors.

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Disclosure: None. This article is originally published at Insider Monkey.