HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ALHYP - FR0012821916 - Common Stock
7.66 EUR
-0.3 (-3.77%)
Overall ALHYP gets a fundamental rating of 3 out of 10. We evaluated ALHYP against 58 industry peers in the Financial Services industry. ALHYP has a bad profitability rating. Also its financial health evaluation is rather negative. ALHYP is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year ALHYP was profitable.
The reported net income has been mixed in the past 5 years: ALHYP reported negative net income in multiple years.
Of the past 5 years ALHYP 4 years had a positive operating cash flow.
1.2 Ratios
ALHYP has a worse Return On Assets (0.55%) than 60.34% of its industry peers.
ALHYP's Return On Equity of 3.09% is in line compared to the rest of the industry. ALHYP outperforms 53.45% of its industry peers.
ALHYP's Return On Invested Capital of 6.43% is fine compared to the rest of the industry. ALHYP outperforms 70.69% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of ALHYP (1.54%) is worse than 60.34% of its industry peers.
With a Operating Margin value of 6.24%, ALHYP is not doing good in the industry: 60.34% of the companies in the same industry are doing better.
The Gross Margin of ALHYP (52.12%) is comparable to the rest of the industry.
ALHYP's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ALHYP is still creating some value.
The number of shares outstanding for ALHYP remains at a similar level compared to 1 year ago.
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.
2.2 Solvency
ALHYP has an Altman-Z score of 0.35. This is a bad value and indicates that ALHYP is not financially healthy and even has some risk of bankruptcy.
ALHYP has a Altman-Z score of 0.35. This is in the lower half of the industry: ALHYP underperforms 65.52% of its industry peers.
ALHYP has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
ALHYP has a better Debt to Equity ratio (0.31) than 62.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.35 |
ROIC/WACC1.03
WACC6.23%
2.3 Liquidity
A Current Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
ALHYP's Current ratio of 1.01 is on the low side compared to the rest of the industry. ALHYP is outperformed by 67.24% of its industry peers.
A Quick Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
The Quick ratio of ALHYP (1.01) is worse than 67.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
ALHYP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -86.35%.
ALHYP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.77%.
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.
ALHYP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.47% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 34.82, the valuation of ALHYP can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of ALHYP is on the same level as its industry peers.
ALHYP's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.25.
ALHYP is valuated reasonably with a Price/Forward Earnings ratio of 11.10.
Based on the Price/Forward Earnings ratio, ALHYP is valued a bit cheaper than the industry average as 62.07% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.98, ALHYP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.82 | ||
| Fwd PE | 11.1 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ALHYP is valued a bit cheaper than the industry average as 77.59% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.65 |
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%
5. Dividend
5.1 Amount
No dividends for ALHYP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:ALHYP (1/12/2026, 7:00:00 PM)
7.66
-0.3 (-3.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners0.45%
Inst Owner ChangeN/A
Ins Owners50.11%
Ins Owner ChangeN/A
Market Cap48.33M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (126.37%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.82 | ||
| Fwd PE | 11.1 | ||
| P/S | 0.64 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.28 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.65 |
EPS(TTM)0.22
EY2.87%
EPS(NY)0.69
Fwd EY9.01%
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 Rank | Sector 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 Rank | Sector 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 | 0.35 |
F-ScoreN/A
WACC6.23%
ROIC/WACC1.03
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 34.82 and the Price/Book (PB) ratio is 1.28.