HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis

EPA:ALHYP • FR0012821916

5.6 EUR
+0.06 (+1.08%)
Last: Feb 19, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, ALHYP scores 3 out of 10 in our fundamental rating. ALHYP was compared to 58 industry peers in the Financial Services industry. ALHYP may be in some trouble as it scores bad on both profitability and health. ALHYP does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

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.
ALHYP.PA Yearly Net Income VS EBIT VS OCF VS FCFALHYP.PA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M -10M

1.2 Ratios

  • ALHYP has a worse Return On Assets (0.55%) than 60.34% of its industry peers.
  • With a Return On Equity value of 3.09%, ALHYP perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • ALHYP has a better Return On Invested Capital (6.43%) than 70.69% of its industry peers.
Industry RankSector 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
ALHYP.PA Yearly ROA, ROE, ROICALHYP.PA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

  • Looking at the Profit Margin, with a value of 1.54%, ALHYP is doing worse than 62.07% of the companies in the same industry.
  • Looking at the Operating Margin, with a value of 6.24%, ALHYP is doing worse than 62.07% of the companies in the same industry.
  • ALHYP has a Gross Margin of 52.12%. This is comparable to the rest of the industry: ALHYP outperforms 53.45% of its industry peers.
  • In the last couple of years the Gross Margin of ALHYP has grown nicely.
Industry RankSector 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%
ALHYP.PA Yearly Profit, Operating, Gross MarginsALHYP.PA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • The number of shares outstanding for ALHYP remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for ALHYP is higher compared to a year ago.
ALHYP.PA Yearly Shares OutstandingALHYP.PA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
ALHYP.PA Yearly Total Debt VS Total AssetsALHYP.PA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.2 Solvency

  • ALHYP has an Altman-Z score of 0.30. This is a bad value and indicates that ALHYP is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of ALHYP (0.30) is worse than 60.34% of its industry peers.
  • A Debt/Equity ratio of 0.31 indicates that ALHYP is not too dependend on debt financing.
  • The Debt to Equity ratio of ALHYP (0.31) is better than 62.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z 0.3
ROIC/WACC1.11
WACC5.79%
ALHYP.PA Yearly LT Debt VS Equity VS FCFALHYP.PA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

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.
  • Looking at the Current ratio, with a value of 1.01, ALHYP is doing worse than 65.52% of the companies in the same industry.
  • 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.
  • ALHYP has a Quick ratio of 1.01. This is in the lower half of the industry: ALHYP underperforms 65.52% of its industry peers.
Industry RankSector Rank
Current Ratio 1.01
Quick Ratio 1.01
ALHYP.PA Yearly Current Assets VS Current LiabilitesALHYP.PA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for ALHYP have decreased strongly by -86.35% in the last year.
  • 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)-86.35%
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

  • 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.
ALHYP.PA Yearly Revenue VS EstimatesALHYP.PA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M
ALHYP.PA Yearly EPS VS EstimatesALHYP.PA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 -1 -1.5

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 25.45, which means the current valuation is very expensive for ALHYP.
  • 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 similar valuation than the S&P500 average which is at 27.09.
  • A Price/Forward Earnings ratio of 8.11 indicates a reasonable valuation of ALHYP.
  • ALHYP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALHYP is cheaper than 70.69% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.98. ALHYP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 25.45
Fwd PE 8.11
ALHYP.PA Price Earnings VS Forward Price EarningsALHYP.PA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ALHYP is valued a bit cheaper than 77.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.21
ALHYP.PA Per share dataALHYP.PA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

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%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for ALHYP!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

HIPAY GROUP SA

EPA:ALHYP (2/19/2026, 7:00:00 PM)

5.6

+0.06 (+1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)04-09
Inst Owners0.45%
Inst Owner ChangeN/A
Ins Owners50.11%
Ins Owner ChangeN/A
Market Cap35.34M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (209.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector Rank
PE 25.45
Fwd PE 8.11
P/S 0.47
P/FCF N/A
P/OCF N/A
P/B 0.94
P/tB N/A
EV/EBITDA 5.21
EPS(TTM)0.22
EY3.93%
EPS(NY)0.69
Fwd EY12.32%
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 RankSector 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 RankSector 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 0.3
F-ScoreN/A
WACC5.79%
ROIC/WACC1.11
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 25.45 and the Price/Book (PB) ratio is 0.94.