HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ALHYP - FR0012821916 - Common Stock
7.66 EUR
-0.02 (-0.26%)
Overall ALHYP gets a fundamental rating of 3 out of 10. We evaluated ALHYP against 56 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.
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
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 comparable to the rest of the industry.
ALHYP has a better Return On Invested Capital (6.43%) than 69.49% of its industry peers.
| 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
The Profit Margin of ALHYP (1.54%) is comparable to the rest of the industry.
Looking at the Operating Margin, with a value of 6.25%, ALHYP is doing worse than 62.71% of the companies in the same industry.
ALHYP's Gross Margin of 52.12% is in line compared 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
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.
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 0.35. 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/WACC1.07
WACC5.99%
2.3 Liquidity
A Current Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.01, ALHYP is doing worse than 67.80% 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.
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%.
ALHYP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.77%.
The Revenue has been growing by 16.33% on average over the past years. This is quite good.
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
Based on estimates for the next years, ALHYP will show a very negative growth in Earnings Per Share. The EPS will decrease by -14.72% on average per year.
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
ALHYP is valuated quite expensively with a Price/Earnings ratio of 34.82.
The rest of the industry has a similar Price/Earnings ratio as ALHYP.
Compared to an average S&P500 Price/Earnings ratio of 26.92, ALHYP is valued a bit more expensive.
A Price/Forward Earnings ratio of 11.10 indicates a reasonable 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.
When comparing the Price/Forward Earnings ratio of ALHYP to the average of the S&P500 Index (23.46), we can say ALHYP is valued rather cheaply.
| 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
WACC5.99%
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 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.