HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
EPA:ALHYP • FR0012821916
5.66 EUR
+0.08 (+1.43%)
Last: Feb 25, 2026, 07:00 PM
Overall ALHYP gets a fundamental rating of 3 out of 10. We evaluated ALHYP against 56 industry peers in the Financial Services industry. Both the profitability and financial health of ALHYP have multiple concerns. 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.
- 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
- ALHYP has a Return On Assets (0.55%) which is in line with its industry peers.
- ALHYP has a Return On Equity (3.09%) which is comparable to the rest of the industry.
- Looking at the Return On Invested Capital, with a value of 6.43%, ALHYP is in the better half of the industry, outperforming 73.21% of the companies in the same industry.
| 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's Profit Margin of 1.54% is in line compared to the rest of the industry. ALHYP outperforms 41.07% of its industry peers.
- With a Operating Margin value of 6.24%, ALHYP is not doing good in the industry: 60.71% of the companies in the same industry are doing better.
- With a Gross Margin value of 52.12%, ALHYP perfoms like the industry average, outperforming 55.36% 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
- ALHYP has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
- ALHYP has a worse debt/assets ratio than last year.
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.
- With a Altman-Z score value of 0.31, ALHYP perfoms like the industry average, outperforming 41.07% of the companies in the same industry.
- A Debt/Equity ratio of 0.31 indicates that ALHYP is not too dependend on debt financing.
- ALHYP's Debt to Equity ratio of 0.31 is fine compared to the rest of the industry. ALHYP outperforms 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.31 |
ROIC/WACC1.12
WACC5.75%
2.3 Liquidity
- ALHYP has a Current Ratio of 1.01. This is a normal value and indicates that ALHYP is financially healthy and should not expect problems in meeting its short term obligations.
- With a Current ratio value of 1.01, ALHYP is not doing good in the industry: 62.50% 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 Quick ratio of 1.01. This is in the lower half of the industry: ALHYP underperforms 62.50% 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
- ALHYP is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -14.72% yearly.
- 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
- With a Price/Earnings ratio of 25.73, ALHYP can be considered very expensive at the moment.
- ALHYP's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 27.05. ALHYP is around the same levels.
- With a Price/Forward Earnings ratio of 8.20, the valuation of ALHYP can be described as very reasonable.
- 67.86% 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 28.03. ALHYP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.73 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
- ALHYP's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ALHYP is cheaper than 78.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.29 |
4.3 Compensation for Growth
- A cheap valuation may be justified as ALHYP's earnings are expected to decrease with -14.72% in the coming years.
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 (2/25/2026, 7:00:00 PM)
5.66
+0.08 (+1.43%)
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 Cap35.71M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (206.36%)
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 | 25.73 | ||
| Fwd PE | 8.2 | ||
| P/S | 0.47 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.95 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.29 |
EPS(TTM)0.22
EY3.89%
EPS(NY)0.69
Fwd EY12.19%
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 | 0.31 |
F-ScoreN/A
WACC5.75%
ROIC/WACC1.12
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 25.73 and the Price/Book (PB) ratio is 0.95.