HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
EPA:ALHYP - Euronext Paris - Matif - FR0012821916 - Common Stock - Currency: EUR
Taking everything into account, ALHYP scores 3 out of 10 in our fundamental rating. ALHYP was compared to 47 industry peers in the Financial Services industry. ALHYP has a medium profitability rating, but doesn't score so well on its financial health evaluation. ALHYP is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year ALHYP was profitable.
In the past year ALHYP had a positive cash flow from operations.
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
The Return On Assets of ALHYP (2.97%) is comparable to the rest of the industry.
ALHYP has a Return On Equity of 19.28%. This is in the better half of the industry: ALHYP outperforms 74.47% of its industry peers.
The Return On Invested Capital of ALHYP (9.21%) is better than 70.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.97% | ||
| ROE | 19.28% | ||
| ROIC | 9.21% |
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 7.85% is in line compared to the rest of the industry. ALHYP outperforms 42.55% of its industry peers.
With a Operating Margin value of 8.11%, ALHYP is not doing good in the industry: 61.70% of the companies in the same industry are doing better.
ALHYP's Gross Margin of 54.12% is in line compared to the rest of the industry. ALHYP outperforms 48.94% of its industry peers.
ALHYP's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.11% | ||
| PM (TTM) | 7.85% | ||
| GM | 54.12% |
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
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.
Compared to 5 years ago, ALHYP has about the same amount of shares outstanding.
ALHYP has a worse debt/assets ratio than last year.
2.2 Solvency
ALHYP has an Altman-Z score of 0.44. This is a bad value and indicates that ALHYP is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.44, ALHYP is not doing good in the industry: 74.47% of the companies in the same industry are doing better.
The Debt to FCF ratio of ALHYP is 6.81, which is on the high side as it means it would take ALHYP, 6.81 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.81, ALHYP is in line with its industry, outperforming 53.19% of the companies in the same industry.
A Debt/Equity ratio of 0.42 indicates that ALHYP is not too dependend on debt financing.
ALHYP has a Debt to Equity ratio (0.42) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 0.44 |
ROIC/WACC1.52
WACC6.05%
2.3 Liquidity
A Current Ratio of 0.98 indicates that ALHYP may have some problems paying its short term obligations.
ALHYP has a Current ratio of 0.98. This is in the lower half of the industry: ALHYP underperforms 63.83% of its industry peers.
ALHYP has a Quick Ratio of 0.98. This is a bad value and indicates that ALHYP is not financially healthy enough and could expect problems in meeting its short term obligations.
ALHYP has a Quick ratio (0.98) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 |
3. Growth
3.1 Past
ALHYP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 172.09%, which is quite impressive.
Looking at the last year, ALHYP shows a quite strong growth in Revenue. The Revenue has grown by 13.46% 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)172.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-71.93%
Revenue 1Y (TTM)13.46%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%16.44%
3.2 Future
The Earnings Per Share is expected to decrease by -6.41% on average over the next years.
The Revenue is expected to grow by 6.97% on average over the next years.
EPS Next Y-17.83%
EPS Next 2Y-6.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.41%
Revenue Next 2Y6.97%
Revenue Next 3YN/A
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
ALHYP is valuated reasonably with a Price/Earnings ratio of 9.83.
68.09% of the companies in the same industry are more expensive than ALHYP, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.45, ALHYP is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.53, the valuation of ALHYP can be described as very reasonable.
ALHYP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALHYP is cheaper than 74.47% of the companies in the same industry.
ALHYP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.83 | ||
| Fwd PE | 10.53 |
4.2 Price Multiples
63.83% of the companies in the same industry are more expensive than ALHYP, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as ALHYP.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.73 | ||
| EV/EBITDA | 8.68 |
4.3 Compensation for Growth
A cheap valuation may be justified as ALHYP's earnings are expected to decrease with -6.41% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for ALHYP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:ALHYP (7/3/2025, 7:00:00 PM)
11.5
+0.8 (+7.48%)
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 Cap72.56M
Analysts84.44
Price Target17.34 (50.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)-4.92%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)7.07%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.83 | ||
| Fwd PE | 10.53 | ||
| P/S | 0.98 | ||
| P/FCF | 15.73 | ||
| P/OCF | 9.12 | ||
| P/B | 2.4 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.68 |
EPS(TTM)1.17
EY10.17%
EPS(NY)1.09
Fwd EY9.49%
FCF(TTM)0.73
FCFY6.36%
OCF(TTM)1.26
OCFY10.96%
SpS11.77
BVpS4.8
TBVpS-2.58
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.97% | ||
| ROE | 19.28% | ||
| ROCE | 12.53% | ||
| ROIC | 9.21% | ||
| ROICexc | 12.3% | ||
| ROICexgc | N/A | ||
| OM | 8.11% | ||
| PM (TTM) | 7.85% | ||
| GM | 54.12% | ||
| FCFM | 6.21% |
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
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 3Y6.74%
GM growth 5Y1.61%
F-Score7
Asset Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 6.81 | ||
| Debt/EBITDA | 1.2 | ||
| Cap/Depr | 73.34% | ||
| Cap/Sales | 4.49% | ||
| Interest Coverage | 14.81 | ||
| Cash Conversion | 75.16% | ||
| Profit Quality | 79.07% | ||
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 | ||
| Altman-Z | 0.44 |
F-Score7
WACC6.05%
ROIC/WACC1.52
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)172.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-71.93%
EPS Next Y-17.83%
EPS Next 2Y-6.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.46%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%16.44%
Revenue Next Year7.41%
Revenue Next 2Y6.97%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y17.34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year45%
EBIT Next 3YN/A
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%