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HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis

EPA:ALHYP - Euronext Paris - Matif - FR0012821916 - Common Stock - Currency: EUR

8  -0.04 (-0.5%)

Fundamental Rating

3

Taking everything into account, ALHYP scores 3 out of 10 in our fundamental rating. ALHYP was compared to 50 industry peers in the Financial Services industry. ALHYP has a bad profitability rating. Also its financial health evaluation is rather negative. ALHYP may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ALHYP had positive earnings in the past year.
ALHYP had a positive operating cash flow in the past year.
In the past 5 years ALHYP reported 4 times negative net income.
Of the past 5 years ALHYP 4 years had a positive operating cash flow.
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 0 5M -5M -10M

1.2 Ratios

ALHYP has a Return On Assets of 1.14%. This is in the lower half of the industry: ALHYP underperforms 62.00% of its industry peers.
ALHYP has a Return On Equity (8.91%) which is in line with its industry peers.
With a decent Return On Invested Capital value of 9.12%, ALHYP is doing good in the industry, outperforming 78.00% of the companies in the same industry.
Industry RankSector Rank
ROA 1.14%
ROE 8.91%
ROIC 9.12%
ROA(3y)-2.07%
ROA(5y)-2.31%
ROE(3y)-13.45%
ROE(5y)-12.29%
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 0 -10 -20 -30

1.3 Margins

With a Profit Margin value of 3.31%, ALHYP is not doing good in the industry: 66.00% of the companies in the same industry are doing better.
The Operating Margin of ALHYP (7.84%) is worse than 60.00% of its industry peers.
ALHYP's Gross Margin of 50.94% is in line compared to the rest of the industry. ALHYP outperforms 48.00% of its industry peers.
ALHYP's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 7.84%
PM (TTM) 3.31%
GM 50.94%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y4.16%
GM growth 5Y-0.46%
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 0 20 -20 40 60

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2

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.
ALHYP has about the same amout of shares outstanding than it did 1 year ago.
ALHYP has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ALHYP has an improved debt to assets ratio.
ALHYP.PA Yearly Shares OutstandingALHYP.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 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 50M 100M 150M

2.2 Solvency

Based on the Altman-Z score of 0.20, we must say that ALHYP is in the distress zone and has some risk of bankruptcy.
ALHYP's Altman-Z score of 0.20 is on the low side compared to the rest of the industry. ALHYP is outperformed by 72.00% of its industry peers.
The Debt to FCF ratio of ALHYP is 8.59, which is on the high side as it means it would take ALHYP, 8.59 years of fcf income to pay off all of its debts.
ALHYP has a Debt to FCF ratio (8.59) which is comparable to the rest of the industry.
ALHYP has a Debt/Equity ratio of 0.43. This is a healthy value indicating a solid balance between debt and equity.
ALHYP has a Debt to Equity ratio (0.43) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 8.59
Altman-Z 0.2
ROIC/WACC1.5
WACC6.08%
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 0 20M 40M

2.3 Liquidity

A Current Ratio of 0.91 indicates that ALHYP may have some problems paying its short term obligations.
ALHYP's Current ratio of 0.91 is on the low side compared to the rest of the industry. ALHYP is outperformed by 68.00% of its industry peers.
A Quick Ratio of 0.91 indicates that ALHYP may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.91, ALHYP is doing worse than 68.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.91
Quick Ratio 0.91
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 50M 100M

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5

3. Growth

3.1 Past

ALHYP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 259.97%, which is quite impressive.
ALHYP shows a small growth in Revenue. In the last year, the Revenue has grown by 7.48%.
The Revenue has been growing by 17.84% on average over the past years. This is quite good.
EPS 1Y (TTM)259.97%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%818.29%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y12.73%
Revenue growth 5Y17.84%
Sales Q2Q%10.45%

3.2 Future

Based on estimates for the next years, ALHYP will show a very strong growth in Earnings Per Share. The EPS will grow by 362.10% on average per year.
Based on estimates for the next years, ALHYP will show a small growth in Revenue. The Revenue will grow by 7.90% on average per year.
EPS Next Y12486.71%
EPS Next 2Y862.47%
EPS Next 3Y362.1%
EPS Next 5YN/A
Revenue Next Year12.42%
Revenue Next 2Y8.78%
Revenue Next 3Y7.9%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 20M 40M 60M 80M
ALHYP.PA Yearly EPS VS EstimatesALHYP.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.5 -0.5 1 -1 -1.5

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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 5.06, the valuation of ALHYP can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of ALHYP indicates a rather cheap valuation: ALHYP is cheaper than 86.00% of the companies listed in the same industry.
ALHYP is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.63 indicates a reasonable valuation of ALHYP.
ALHYP's Price/Forward Earnings ratio is rather cheap when compared to the industry. ALHYP is cheaper than 82.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ALHYP to the average of the S&P500 Index (22.10), we can say ALHYP is valued rather cheaply.
Industry RankSector Rank
PE 5.06
Fwd PE 8.63
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ALHYP indicates a somewhat cheap valuation: ALHYP is cheaper than 72.00% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ALHYP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 18.2
EV/EBITDA 7.34
ALHYP.PA Per share dataALHYP.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

ALHYP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ALHYP's earnings are expected to grow with 362.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y862.47%
EPS Next 3Y362.1%

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0

5. Dividend

5.1 Amount

ALHYP does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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HIPAY GROUP SA

EPA:ALHYP (3/7/2025, 7:00:00 PM)

8

-0.04 (-0.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-27 2025-02-27/amc
Earnings (Next)05-06 2025-05-06
Inst Owners0.45%
Inst Owner ChangeN/A
Ins Owners46.42%
Ins Owner ChangeN/A
Market Cap50.48M
Analysts84.44
Price Target18.24 (128%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)-0.66%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)39.13%
EPS NY rev (3m)46.43%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)3.92%
Revenue NY rev (3m)6%
Valuation
Industry RankSector Rank
PE 5.06
Fwd PE 8.63
P/S 0.77
P/FCF 18.2
P/OCF 8.52
P/B 2.07
P/tB N/A
EV/EBITDA 7.34
EPS(TTM)1.58
EY19.75%
EPS(NY)0.93
Fwd EY11.59%
FCF(TTM)0.44
FCFY5.5%
OCF(TTM)0.94
OCFY11.73%
SpS10.38
BVpS3.86
TBVpS-3.64
PEG (NY)0
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.14%
ROE 8.91%
ROCE 12.41%
ROIC 9.12%
ROICexc 9.32%
ROICexgc N/A
OM 7.84%
PM (TTM) 3.31%
GM 50.94%
FCFM 4.24%
ROA(3y)-2.07%
ROA(5y)-2.31%
ROE(3y)-13.45%
ROE(5y)-12.29%
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
ROICexcg growth 3YN/A
ROICexcg 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 3Y4.16%
GM growth 5Y-0.46%
F-Score8
Asset Turnover0.34
Health
Industry RankSector Rank
Debt/Equity 0.43
Debt/FCF 8.59
Debt/EBITDA 1.04
Cap/Depr 64.68%
Cap/Sales 4.81%
Interest Coverage 11.52
Cash Conversion 59.2%
Profit Quality 127.95%
Current Ratio 0.91
Quick Ratio 0.91
Altman-Z 0.2
F-Score8
WACC6.08%
ROIC/WACC1.5
Cap/Depr(3y)104.25%
Cap/Depr(5y)103.52%
Cap/Sales(3y)7.26%
Cap/Sales(5y)8.06%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)259.97%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%818.29%
EPS Next Y12486.71%
EPS Next 2Y862.47%
EPS Next 3Y362.1%
EPS Next 5YN/A
Revenue 1Y (TTM)7.48%
Revenue growth 3Y12.73%
Revenue growth 5Y17.84%
Sales Q2Q%10.45%
Revenue Next Year12.42%
Revenue Next 2Y8.78%
Revenue Next 3Y7.9%
Revenue Next 5YN/A
EBIT growth 1Y251.53%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year800%
EBIT Next 3Y116.04%
EBIT Next 5YN/A
FCF growth 1Y195.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y237.44%
OCF growth 3YN/A
OCF growth 5YN/A