HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - EPA:ALHYP - FR0012821916 - Common Stock
8.62 EUR
-0.08 (-0.92%)
Overall ALHYP gets a fundamental rating of 3 out of 10. We evaluated ALHYP against 50 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
In the past year ALHYP was profitable.
The reported net income has been mixed in the past 5 years: ALHYP reported negative net income in multiple years.
ALHYP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
ALHYP has a Return On Assets (0.55%) which is comparable to the rest of the industry.
The Return On Equity of ALHYP (3.09%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 6.43%, ALHYP is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
ALHYP has a worse Profit Margin (1.54%) than 60.00% of its industry peers.
The Operating Margin of ALHYP (6.24%) is worse than 60.00% of its industry peers.
With a Gross Margin value of 52.12%, ALHYP perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
In the last couple of years the Gross Margin of ALHYP has grown nicely.
| Industry Rank | Sector 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%
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.
The number of shares outstanding for ALHYP remains at a similar level compared to 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 0.37. This is a bad value and indicates that ALHYP is not financially healthy and even has some risk of bankruptcy.
ALHYP has a worse Altman-Z score (0.37) than 72.00% of its industry peers.
ALHYP has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
ALHYP has a Debt to Equity ratio (0.31) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.37 |
ROIC/WACC1.03
WACC6.26%
2.3 Liquidity
A Current Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
With a Current ratio value of 1.01, ALHYP is not doing good in the industry: 74.00% 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.
ALHYP has a worse Quick ratio (1.01) than 72.00% 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 -86.35% 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.
The Revenue has been growing by 16.33% on average over the past years. This is quite good.
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
Based on estimates for the next years, ALHYP will show a decrease in Earnings Per Share. The EPS will decrease by -7.53% on average per year.
The Revenue is expected to grow by 6.73% on average over the next years.
EPS Next Y-48.06%
EPS Next 2Y-20.76%
EPS Next 3Y-7.53%
EPS Next 5YN/A
Revenue Next Year7.14%
Revenue Next 2Y6.84%
Revenue Next 3Y6.73%
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 39.18, the valuation of ALHYP can be described as expensive.
ALHYP's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 25.67, ALHYP is valued quite expensively.
Based on the Price/Forward Earnings ratio of 10.33, the valuation of ALHYP can be described as reasonable.
ALHYP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALHYP is cheaper than 70.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 31.86, ALHYP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.18 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ALHYP is valued a bit cheaper than 72.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.3 |
4.3 Compensation for Growth
ALHYP's earnings are expected to decrease with -7.53% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-20.76%
EPS Next 3Y-7.53%
5. Dividend
5.1 Amount
ALHYP does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:ALHYP (11/6/2025, 7:00:00 PM)
8.62
-0.08 (-0.92%)
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 Cap54.39M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (101.16%)
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)0%
EPS NY rev (3m)-36.79%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.18 | ||
| Fwd PE | 10.33 | ||
| P/S | 0.72 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.45 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.3 |
EPS(TTM)0.22
EY2.55%
EPS(NY)0.83
Fwd EY9.68%
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 Rank | Sector 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 Rank | Sector 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 | 0.37 |
F-ScoreN/A
WACC6.26%
ROIC/WACC1.03
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-48.06%
EPS Next 2Y-20.76%
EPS Next 3Y-7.53%
EPS Next 5YN/A
Revenue 1Y (TTM)9.77%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%3.69%
Revenue Next Year7.14%
Revenue Next 2Y6.84%
Revenue Next 3Y6.73%
Revenue Next 5YN/A
EBIT growth 1Y-25.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year22.5%
EBIT Next 3Y15.1%
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 -48.06% in the next year.