HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis

EPA:ALHYP • FR0012821916

5.64 EUR
+0.04 (+0.71%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, ALHYP scores 3 out of 10 in our fundamental rating. ALHYP was compared to 57 industry peers in the Financial Services industry. ALHYP may be in some trouble as it scores bad on both profitability and health. ALHYP is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ALHYP was profitable.
  • In multiple years ALHYP reported negative net income over the last 5 years.
  • ALHYP had a positive operating cash flow in 4 of the past 5 years.
ALHYP.PA Yearly Net Income VS EBIT VS OCF VS FCFALHYP.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M -10M

1.2 Ratios

  • ALHYP's Return On Assets of 0.55% is on the low side compared to the rest of the industry. ALHYP is outperformed by 61.02% of its industry peers.
  • ALHYP's Return On Equity of 3.09% is in line compared to the rest of the industry. ALHYP outperforms 50.85% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 6.43%, ALHYP is in the better half of the industry, outperforming 71.19% of the companies in the same industry.
Industry RankSector Rank
ROA 0.55%
ROE 3.09%
ROIC 6.43%
ROA(3y)-0.13%
ROA(5y)-0.88%
ROE(3y)-2.18%
ROE(5y)-5.3%
ROIC(3y)N/A
ROIC(5y)N/A
ALHYP.PA Yearly ROA, ROE, ROICALHYP.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

  • ALHYP's Profit Margin of 1.54% is on the low side compared to the rest of the industry. ALHYP is outperformed by 61.02% of its industry peers.
  • The Operating Margin of ALHYP (6.24%) is worse than 64.41% of its industry peers.
  • Looking at the Gross Margin, with a value of 52.12%, ALHYP is in line with its industry, outperforming 52.54% of the companies in the same industry.
  • In the last couple of years the Gross Margin of ALHYP has grown nicely.
Industry RankSector Rank
OM 6.24%
PM (TTM) 1.54%
GM 52.12%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.74%
GM growth 5Y1.61%
ALHYP.PA Yearly Profit, Operating, Gross MarginsALHYP.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ALHYP is creating some value.
  • Compared to 1 year ago, ALHYP has about the same amount of shares outstanding.
  • ALHYP has about the same amout of shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ALHYP is higher compared to a year ago.
ALHYP.PA Yearly Shares OutstandingALHYP.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
ALHYP.PA Yearly Total Debt VS Total AssetsALHYP.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.2 Solvency

  • Based on the Altman-Z score of 0.31, we must say that ALHYP is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of ALHYP (0.31) is comparable to the rest of the industry.
  • ALHYP has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.31, ALHYP is doing good in the industry, outperforming 62.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z 0.31
ROIC/WACC1.09
WACC5.92%
ALHYP.PA Yearly LT Debt VS Equity VS FCFALHYP.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

2.3 Liquidity

  • A Current Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.01, ALHYP is not doing good in the industry: 66.10% of the companies in the same industry are doing better.
  • A Quick Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
  • ALHYP has a worse Quick ratio (1.01) than 66.10% of its industry peers.
Industry RankSector Rank
Current Ratio 1.01
Quick Ratio 1.01
ALHYP.PA Yearly Current Assets VS Current LiabilitesALHYP.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for ALHYP have decreased strongly by -86.35% in the last year.
  • The Revenue has grown by 9.77% in the past year. This is quite good.
  • ALHYP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.33% yearly.
EPS 1Y (TTM)-86.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-94.5%
Revenue 1Y (TTM)9.77%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%3.69%

3.2 Future

  • Based on estimates for the next years, ALHYP will show a very negative growth in Earnings Per Share. The EPS will decrease by -14.72% on average per year.
  • Based on estimates for the next years, ALHYP will show a small growth in Revenue. The Revenue will grow by 4.47% on average per year.
EPS Next Y-54.26%
EPS Next 2Y-27.93%
EPS Next 3Y-14.72%
EPS Next 5YN/A
Revenue Next Year3.23%
Revenue Next 2Y4.22%
Revenue Next 3Y4.47%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ALHYP.PA Yearly Revenue VS EstimatesALHYP.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
ALHYP.PA Yearly EPS VS EstimatesALHYP.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 -1 -1.5

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 25.64, ALHYP can be considered very expensive at the moment.
  • ALHYP's Price/Earnings ratio is in line with the industry average.
  • ALHYP's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.68.
  • The Price/Forward Earnings ratio is 8.17, which indicates a very decent valuation of ALHYP.
  • 71.19% of the companies in the same industry are more expensive than ALHYP, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. ALHYP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 25.64
Fwd PE 8.17
ALHYP.PA Price Earnings VS Forward Price EarningsALHYP.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ALHYP's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ALHYP is cheaper than 79.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.28
ALHYP.PA Per share dataALHYP.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

  • ALHYP's earnings are expected to decrease with -14.72% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-27.93%
EPS Next 3Y-14.72%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • ALHYP does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

HIPAY GROUP SA

EPA:ALHYP (2/13/2026, 7:00:00 PM)

5.64

+0.04 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)04-09
Inst Owners0.45%
Inst Owner ChangeN/A
Ins Owners50.11%
Ins Owner ChangeN/A
Market Cap35.59M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (207.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-11.94%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.65%
Valuation
Industry RankSector Rank
PE 25.64
Fwd PE 8.17
P/S 0.47
P/FCF N/A
P/OCF N/A
P/B 0.95
P/tB N/A
EV/EBITDA 5.28
EPS(TTM)0.22
EY3.9%
EPS(NY)0.69
Fwd EY12.24%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.98
BVpS5.96
TBVpS-1.48
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.43
Profitability
Industry RankSector Rank
ROA 0.55%
ROE 3.09%
ROCE 8.75%
ROIC 6.43%
ROICexc 8.22%
ROICexgc N/A
OM 6.24%
PM (TTM) 1.54%
GM 52.12%
FCFM N/A
ROA(3y)-0.13%
ROA(5y)-0.88%
ROE(3y)-2.18%
ROE(5y)-5.3%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y6.74%
GM growth 5Y1.61%
F-ScoreN/A
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Debt/EBITDA 1.25
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.01
Quick Ratio 1.01
Altman-Z 0.31
F-ScoreN/A
WACC5.92%
ROIC/WACC1.09
Cap/Depr(3y)82.18%
Cap/Depr(5y)97.59%
Cap/Sales(3y)5.73%
Cap/Sales(5y)6.82%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-86.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-94.5%
EPS Next Y-54.26%
EPS Next 2Y-27.93%
EPS Next 3Y-14.72%
EPS Next 5YN/A
Revenue 1Y (TTM)9.77%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%3.69%
Revenue Next Year3.23%
Revenue Next 2Y4.22%
Revenue Next 3Y4.47%
Revenue Next 5YN/A
EBIT growth 1Y-25.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year15%
EBIT Next 3Y9.49%
EBIT Next 5YN/A
FCF growth 1Y66.33%
FCF growth 3Y33.78%
FCF growth 5YN/A
OCF growth 1Y34.3%
OCF growth 3Y5.28%
OCF growth 5Y82.77%

HIPAY GROUP SA / ALHYP.PA FAQ

What is the ChartMill fundamental rating of HIPAY GROUP SA (ALHYP.PA) stock?

ChartMill assigns a fundamental rating of 3 / 10 to ALHYP.PA.


What is the valuation status for ALHYP stock?

ChartMill assigns a valuation rating of 3 / 10 to HIPAY GROUP SA (ALHYP.PA). This can be considered as Overvalued.


What is the profitability of ALHYP stock?

HIPAY GROUP SA (ALHYP.PA) has a profitability rating of 3 / 10.


What are the PE and PB ratios of HIPAY GROUP SA (ALHYP.PA) stock?

The Price/Earnings (PE) ratio for HIPAY GROUP SA (ALHYP.PA) is 25.64 and the Price/Book (PB) ratio is 0.95.