HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ALHYP - FR0012821916 - Common Stock
8.46 EUR
+0.08 (+0.95%)
Taking everything into account, ALHYP scores 2 out of 10 in our fundamental rating. ALHYP was compared to 54 industry peers in the Financial Services industry. Both the profitability and financial health of ALHYP have multiple concerns. ALHYP does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
ALHYP had positive earnings in the past year.
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's Return On Assets of 0.55% is in line compared to the rest of the industry. ALHYP outperforms 43.40% of its industry peers.
Looking at the Return On Equity, with a value of 3.06%, ALHYP is in line with its industry, outperforming 54.72% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 6.43%, ALHYP is in the better half of the industry, outperforming 71.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 3.06% | ||
| 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
Looking at the Profit Margin, with a value of 1.54%, ALHYP is in line with its industry, outperforming 43.40% of the companies in the same industry.
ALHYP has a Operating Margin (6.25%) which is in line with its industry peers.
The Gross Margin of ALHYP (52.12%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of ALHYP has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.25% | ||
| 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ALHYP is creating some value.
ALHYP has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, ALHYP has about the same amount of shares outstanding.
The debt/assets ratio for ALHYP is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.37, we must say that ALHYP is in the distress zone and has some risk of bankruptcy.
ALHYP has a worse Altman-Z score (0.37) than 67.92% of its industry peers.
ALHYP has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
ALHYP has a Debt to Equity ratio (0.32) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.37 |
ROIC/WACC1.07
WACC5.99%
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 Current ratio of 1.01. This is in the lower half of the industry: ALHYP underperforms 69.81% of its industry peers.
A Quick Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.01, ALHYP is not doing good in the industry: 67.92% of the companies in the same industry are doing better.
| 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 -86.08%.
ALHYP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.77%.
Measured over the past years, ALHYP shows a quite strong growth in Revenue. The Revenue has been growing by 16.33% on average per year.
EPS 1Y (TTM)-86.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-94.06%
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
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 38.45, 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 26.49.
A Price/Forward Earnings ratio of 12.26 indicates a correct valuation of ALHYP.
The rest of the industry has a similar Price/Forward Earnings ratio as ALHYP.
When comparing the Price/Forward Earnings ratio of ALHYP to the average of the S&P500 Index (23.69), we can say ALHYP is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.45 | ||
| Fwd PE | 12.26 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ALHYP is valued a bit cheaper than the industry average as 71.70% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.19 |
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 | N/A |
EPA:ALHYP (12/5/2025, 7:00:00 PM)
8.46
+0.08 (+0.95%)
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 Cap53.38M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (104.96%)
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-11.94%
EPS NY rev (3m)-38.54%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-3.65%
Revenue NY rev (3m)-3.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.45 | ||
| Fwd PE | 12.26 | ||
| P/S | 0.71 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.44 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.19 |
EPS(TTM)0.22
EY2.6%
EPS(NY)0.69
Fwd EY8.16%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS11.98
BVpS5.86
TBVpS-1.54
PEG (NY)N/A
PEG (5Y)N/A
Graham Number5.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.55% | ||
| ROE | 3.06% | ||
| ROCE | 8.75% | ||
| ROIC | 6.43% | ||
| ROICexc | 8.21% | ||
| ROICexgc | N/A | ||
| OM | 6.25% | ||
| 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 | 0.32 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 1.29 | ||
| 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 | 0.37 |
F-ScoreN/A
WACC5.99%
ROIC/WACC1.07
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)-86.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-94.06%
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-25.84%
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.
Can you provide the valuation status for HIPAY GROUP SA?
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.
How financially healthy is HIPAY GROUP SA?
The financial health rating of HIPAY GROUP SA (ALHYP.PA) is 2 / 10.
Can you provide the expected EPS growth for ALHYP stock?
The Earnings per Share (EPS) of HIPAY GROUP SA (ALHYP.PA) is expected to decline by -54.26% in the next year.