HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ALHYP - FR0012821916 - Common Stock
7.92 EUR
-0.06 (-0.75%)
ALHYP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 59 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
Looking at the Return On Assets, with a value of 0.55%, ALHYP is in line with its industry, outperforming 40.68% of the companies in the same industry.
ALHYP has a Return On Equity (3.06%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 6.43%, ALHYP is in the better half of the industry, outperforming 69.49% 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
ALHYP's Profit Margin of 1.54% is in line compared to the rest of the industry. ALHYP outperforms 40.68% of its industry peers.
ALHYP has a worse Operating Margin (6.25%) than 62.71% of its industry peers.
ALHYP has a Gross Margin of 52.12%. This is comparable to the rest of the industry: ALHYP outperforms 52.54% of its industry peers.
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
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.
ALHYP has about the same amout of shares outstanding than it did 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 0.36. This is a bad value and indicates that ALHYP is not financially healthy and even has some risk of bankruptcy.
ALHYP's Altman-Z score of 0.36 is on the low side compared to the rest of the industry. ALHYP is outperformed by 66.10% 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.
With a decent Debt to Equity ratio value of 0.32, ALHYP is doing good in the industry, outperforming 64.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.36 |
ROIC/WACC1.07
WACC6.02%
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: 67.80% of the companies in the same industry are doing better.
ALHYP has a Quick 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.
The Quick ratio of ALHYP (1.01) is worse than 66.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
The earnings per share for ALHYP have decreased strongly by -86.08% in the last year.
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)-86.08%
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
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.
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
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 36.00 indicates a quite expensive valuation of ALHYP.
Compared to the rest of the industry, the Price/Earnings ratio of ALHYP is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.39, ALHYP is valued a bit more expensive.
ALHYP is valuated reasonably with a Price/Forward Earnings ratio of 11.48.
Based on the Price/Forward Earnings ratio, ALHYP is valued a bit cheaper than 61.02% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. ALHYP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36 | ||
| Fwd PE | 11.48 |
4.2 Price Multiples
76.27% 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 | 6.82 |
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 (12/19/2025, 7:00:00 PM)
7.92
-0.06 (-0.75%)
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 Cap49.98M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (118.94%)
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)-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 | 36 | ||
| Fwd PE | 11.48 | ||
| P/S | 0.66 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.35 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.82 |
EPS(TTM)0.22
EY2.78%
EPS(NY)0.69
Fwd EY8.71%
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 | 0.36 |
F-ScoreN/A
WACC6.02%
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.