HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ALHYP - FR0012821916 - Common Stock
7.38 EUR
0 (0%)
We assign a fundamental rating of 3 out of 10 to ALHYP. ALHYP was compared to 60 industry peers in the Financial Services industry. ALHYP may be in some trouble as it scores bad on both profitability and health. ALHYP has a expensive valuation and it also scores bad on growth.
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.
1.2 Ratios
- With a Return On Assets value of 0.55%, ALHYP is not doing good in the industry: 60.34% of the companies in the same industry are doing better.
- ALHYP has a Return On Equity of 3.09%. This is comparable 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
- ALHYP has a worse Profit Margin (1.54%) than 60.34% of its industry peers.
- ALHYP has a Operating Margin of 6.24%. This is in the lower half of the industry: ALHYP underperforms 60.34% of its industry peers.
- With a Gross Margin value of 52.12%, ALHYP perfoms like the industry average, outperforming 53.45% of the companies in the same 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.
- Compared to 1 year ago, ALHYP has about the same amount of shares outstanding.
- The number of shares outstanding for ALHYP remains at a similar level compared to 5 years ago.
- Compared to 1 year ago, ALHYP has a worse debt to assets ratio.
2.2 Solvency
- ALHYP has an Altman-Z score of 0.34. This is a bad value and indicates that ALHYP is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.34, ALHYP is doing worse than 63.79% of the companies in the same industry.
- A Debt/Equity ratio of 0.31 indicates that ALHYP is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.31, ALHYP is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.34 |
ROIC/WACC1.04
WACC6.18%
2.3 Liquidity
- A Current Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
- ALHYP has a worse Current ratio (1.01) than 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%.
- Looking at the last year, ALHYP shows a quite strong growth in Revenue. The Revenue has grown by 9.77% in the last year.
- 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
- The Earnings Per Share is expected to decrease by -14.72% on average over the next years. This is quite bad
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 33.55, ALHYP can be considered very expensive at the moment.
- ALHYP's Price/Earnings is on the same level as the industry average.
- ALHYP is valuated rather expensively when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- ALHYP is valuated reasonably with a Price/Forward Earnings ratio of 10.69.
- Based on the Price/Forward Earnings ratio, ALHYP is valued a bit cheaper than 62.07% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, ALHYP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 33.55 | ||
| Fwd PE | 10.69 |
4.2 Price Multiples
- 77.59% of the companies in the same industry are more expensive than ALHYP, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.46 |
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
- ALHYP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:ALHYP (1/16/2026, 7:00:00 PM)
7.38
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04
Earnings (Next)04-09 2026-04-09
Inst Owners0.45%
Inst Owner ChangeN/A
Ins Owners50.11%
Ins Owner ChangeN/A
Market Cap46.57M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (134.96%)
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 | 33.55 | ||
| Fwd PE | 10.69 | ||
| P/S | 0.62 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.24 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.46 |
EPS(TTM)0.22
EY2.98%
EPS(NY)0.69
Fwd EY9.35%
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 | 0.34 |
F-ScoreN/A
WACC6.18%
ROIC/WACC1.04
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 33.55 and the Price/Book (PB) ratio is 1.24.