HIPAY GROUP SA (ALHYP.PA) Fundamental Analysis & Valuation

EPA:ALHYP • FR0012821916

5.72 EUR
-0.12 (-2.05%)
Last: Mar 11, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This ALHYP.PA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ALHYP. ALHYP was compared to 58 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.


Dividend Valuation Growth Profitability Health

3

1. ALHYP.PA Profitability Analysis

1.1 Basic Checks

  • In the past year ALHYP was profitable.
  • In multiple years ALHYP reported negative net income over the last 5 years.
  • Of the past 5 years ALHYP 4 years had a positive operating cash flow.
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's Return On Assets of 0.55% is on the low side compared to the rest of the industry. ALHYP is outperformed by 60.34% of its industry peers.
  • ALHYP has a Return On Equity (3.09%) which 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 68.97% of the companies in the same industry.
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

  • The Profit Margin of ALHYP (1.54%) is worse than 60.34% of its industry peers.
  • The Operating Margin of ALHYP (6.24%) is worse than 60.34% of its industry peers.
  • ALHYP's Gross Margin of 52.12% is in line compared to the rest of the industry. ALHYP outperforms 55.17% of its industry peers.
  • ALHYP's Gross Margin has improved in the last couple of years.
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. ALHYP.PA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ALHYP is creating some value.
  • The number of shares outstanding for ALHYP remains at a similar level compared to 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

  • Based on the Altman-Z score of 0.31, we must say that ALHYP is in the distress zone and has some risk of bankruptcy.
  • ALHYP has a worse Altman-Z score (0.31) than 67.24% 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's Debt to Equity ratio of 0.31 is fine compared to the rest of the industry. ALHYP outperforms 60.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z 0.31
ROIC/WACC1.07
WACC6%
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.
  • The Current ratio of ALHYP (1.01) is worse than 68.97% 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: 68.97% of the companies in the same industry are doing better.
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. ALHYP.PA Growth Analysis

3.1 Past

  • ALHYP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -86.35%.
  • 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)-86.35%
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 very negative growth in Earnings Per Share. The EPS will decrease by -26.13% on average per year.
  • Based on estimates for the next years, ALHYP will show a small growth in Revenue. The Revenue will grow by 2.88% on average per year.
EPS Next Y-69.77%
EPS Next 2Y-42.26%
EPS Next 3Y-26.13%
EPS Next 5YN/A
Revenue Next Year0.81%
Revenue Next 2Y2.4%
Revenue Next 3Y2.88%
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

2

4. ALHYP.PA Valuation Analysis

4.1 Price/Earnings Ratio

  • ALHYP is valuated quite expensively with a Price/Earnings ratio of 26.00.
  • The rest of the industry has a similar Price/Earnings ratio as ALHYP.
  • The average S&P500 Price/Earnings ratio is at 26.15. ALHYP is around the same levels.
  • A Price/Forward Earnings ratio of 12.91 indicates a correct valuation of ALHYP.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ALHYP is on the same level as its industry peers.
  • ALHYP is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.27, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 26
Fwd PE 12.91
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ALHYP indicates a somewhat cheap valuation: ALHYP is cheaper than 79.31% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.33
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

  • A cheap valuation may be justified as ALHYP's earnings are expected to decrease with -26.13% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-42.26%
EPS Next 3Y-26.13%

More info and screens

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

0

5. ALHYP.PA Dividend Analysis

5.1 Amount

  • ALHYP does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ALHYP.PA Fundamentals: All Metrics, Ratios and Statistics

HIPAY GROUP SA

EPA:ALHYP (3/11/2026, 7:00:00 PM)

5.72

-0.12 (-2.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)04-08
Inst Owners0.45%
Inst Owner ChangeN/A
Ins Owners50.11%
Ins Owner ChangeN/A
Market Cap36.09M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (203.15%)
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)-33.9%
EPS NY rev (3m)-33.9%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.35%
Revenue NY rev (3m)-2.35%
Valuation
Industry RankSector Rank
PE 26
Fwd PE 12.91
P/S 0.48
P/FCF N/A
P/OCF N/A
P/B 0.96
P/tB N/A
EV/EBITDA 5.33
EPS(TTM)0.22
EY3.85%
EPS(NY)0.44
Fwd EY7.74%
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 0.31
F-ScoreN/A
WACC6%
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)-86.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-94.5%
EPS Next Y-69.77%
EPS Next 2Y-42.26%
EPS Next 3Y-26.13%
EPS Next 5YN/A
Revenue 1Y (TTM)9.77%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%3.69%
Revenue Next Year0.81%
Revenue Next 2Y2.4%
Revenue Next 3Y2.88%
Revenue Next 5YN/A
EBIT growth 1Y-25.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year0%
EBIT Next 3Y2.04%
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 2 / 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 26 and the Price/Book (PB) ratio is 0.96.