HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ALHYP - FR0012821916 - Common Stock
7.66 EUR
-0.02 (-0.26%)
Taking everything into account, ALHYP scores 3 out of 10 in our fundamental rating. ALHYP was compared to 56 industry peers in the Financial Services industry. ALHYP has a bad profitability rating. Also its financial health evaluation is rather negative. ALHYP is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
ALHYP had positive earnings in the past year.
The reported net income has been mixed in the past 5 years: ALHYP reported negative net income in multiple years.
Of the past 5 years ALHYP 4 years had a positive operating cash flow.
1.2 Ratios
ALHYP's Return On Assets of 0.55% is in line compared to the rest of the industry. ALHYP outperforms 40.68% of its industry peers.
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.
The Operating Margin of ALHYP (6.25%) is worse 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.
ALHYP's Gross Margin has improved in the last couple of years.
| 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.
The number of shares outstanding for ALHYP remains at a similar level compared to 1 year ago.
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 0.35. 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 0.35 is on the low side compared to the rest of the industry. ALHYP is outperformed by 66.10% of its industry peers.
A Debt/Equity ratio of 0.32 indicates that ALHYP is not too dependend on debt financing.
ALHYP has a Debt to Equity ratio of 0.32. This is in the better half of the industry: ALHYP outperforms 64.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.35 |
ROIC/WACC1.06
WACC6.05%
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 67.80% 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 66.10% 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 -86.08%.
Looking at the last year, ALHYP shows a quite strong growth in Revenue. The Revenue has grown by 9.77% in the last year.
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
The Revenue is expected to grow by 4.47% on average over the next years.
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
ALHYP is valuated quite expensively with a Price/Earnings ratio of 34.82.
ALHYP's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of ALHYP to the average of the S&P500 Index (26.92), we can say ALHYP is valued slightly more expensively.
The Price/Forward Earnings ratio is 11.10, which indicates a very decent valuation of ALHYP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALHYP indicates a somewhat cheap valuation: ALHYP is cheaper than 62.71% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.46. ALHYP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.82 | ||
| Fwd PE | 11.1 |
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 | 6.64 |
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
ALHYP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EPA:ALHYP (12/24/2025, 7:00:00 PM)
7.66
-0.02 (-0.26%)
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 Cap48.33M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (126.37%)
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)-11.94%
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 | 34.82 | ||
| Fwd PE | 11.1 | ||
| P/S | 0.64 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.31 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.64 |
EPS(TTM)0.22
EY2.87%
EPS(NY)0.69
Fwd EY9.01%
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 | 0.35 |
F-ScoreN/A
WACC6.05%
ROIC/WACC1.06
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 3 / 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.