HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
EPA:ALHYP - Euronext Paris - Matif - FR0012821916 - Common Stock - Currency: EUR
We assign a fundamental rating of 3 out of 10 to ALHYP. ALHYP was compared to 47 industry peers in the Financial Services industry. There are concerns on the financial health of ALHYP while its profitability can be described as average. ALHYP has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
ALHYP had positive earnings in the past year.
ALHYP had a positive operating cash flow 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 2.97% is in line compared to the rest of the industry. ALHYP outperforms 59.57% of its industry peers.
ALHYP has a Return On Equity of 19.28%. This is in the better half of the industry: ALHYP outperforms 72.34% of its industry peers.
The Return On Invested Capital of ALHYP (9.21%) is better than 68.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.97% | ||
| ROE | 19.28% | ||
| ROIC | 9.21% |
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 (7.85%) is comparable to the rest of the industry.
ALHYP's Operating Margin of 8.11% is in line compared to the rest of the industry. ALHYP outperforms 40.43% of its industry peers.
Looking at the Gross Margin, with a value of 54.12%, ALHYP is in line with its industry, outperforming 53.19% of the companies in the same industry.
ALHYP's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.11% | ||
| PM (TTM) | 7.85% | ||
| GM | 54.12% |
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.
ALHYP has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, ALHYP has about the same amount of shares outstanding.
The debt/assets ratio for ALHYP is higher compared to a year ago.
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.
With a Altman-Z score value of 0.37, ALHYP is not doing good in the industry: 72.34% of the companies in the same industry are doing better.
ALHYP has a debt to FCF ratio of 6.81. This is a slightly negative value and a sign of low solvency as ALHYP would need 6.81 years to pay back of all of its debts.
ALHYP has a Debt to FCF ratio (6.81) which is comparable to the rest of the industry.
ALHYP has a Debt/Equity ratio of 0.42. This is a healthy value indicating a solid balance between debt and equity.
ALHYP's Debt to Equity ratio of 0.42 is in line compared to the rest of the industry. ALHYP outperforms 53.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 0.37 |
ROIC/WACC1.5
WACC6.16%
2.3 Liquidity
ALHYP has a Current Ratio of 0.98. This is a bad value and indicates that ALHYP is not financially healthy enough and could expect problems in meeting its short term obligations.
ALHYP has a Current ratio of 0.98. This is in the lower half of the industry: ALHYP underperforms 61.70% of its industry peers.
ALHYP has a Quick Ratio of 0.98. This is a bad value and indicates that ALHYP is not financially healthy enough and could expect problems in meeting its short term obligations.
ALHYP has a Quick ratio of 0.98. This is comparable to the rest of the industry: ALHYP outperforms 42.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 |
3. Growth
3.1 Past
ALHYP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 172.09%, which is quite impressive.
ALHYP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.46%.
The Revenue has been growing by 16.33% on average over the past years. This is quite good.
EPS 1Y (TTM)172.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-71.93%
Revenue 1Y (TTM)13.46%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%16.44%
3.2 Future
The Earnings Per Share is expected to decrease by -6.41% on average over the next years.
Based on estimates for the next years, ALHYP will show a small growth in Revenue. The Revenue will grow by 6.97% on average per year.
EPS Next Y-17.83%
EPS Next 2Y-6.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.41%
Revenue Next 2Y6.97%
Revenue Next 3YN/A
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
Based on the Price/Earnings ratio of 7.44, the valuation of ALHYP can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of ALHYP indicates a somewhat cheap valuation: ALHYP is cheaper than 78.72% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.32. ALHYP is valued rather cheaply when compared to this.
ALHYP is valuated cheaply with a Price/Forward Earnings ratio of 7.97.
ALHYP's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALHYP is cheaper than 76.60% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ALHYP to the average of the S&P500 Index (22.19), we can say ALHYP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | 7.97 |
4.2 Price Multiples
70.21% of the companies in the same industry are more expensive than ALHYP, based on the Enterprise Value to EBITDA ratio.
63.83% of the companies in the same industry are more expensive than ALHYP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.9 | ||
| EV/EBITDA | 7.01 |
4.3 Compensation for Growth
A cheap valuation may be justified as ALHYP's earnings are expected to decrease with -6.41% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-6.41%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for ALHYP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:ALHYP (6/17/2025, 7:00:00 PM)
8.7
+0.14 (+1.64%)
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 Cap54.90M
Analysts84.44
Price Target17.34 (99.31%)
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)-4.92%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)17.78%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.44 | ||
| Fwd PE | 7.97 | ||
| P/S | 0.74 | ||
| P/FCF | 11.9 | ||
| P/OCF | 6.9 | ||
| P/B | 1.81 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.01 |
EPS(TTM)1.17
EY13.45%
EPS(NY)1.09
Fwd EY12.55%
FCF(TTM)0.73
FCFY8.4%
OCF(TTM)1.26
OCFY14.49%
SpS11.77
BVpS4.8
TBVpS-2.58
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.97% | ||
| ROE | 19.28% | ||
| ROCE | 12.53% | ||
| ROIC | 9.21% | ||
| ROICexc | 12.3% | ||
| ROICexgc | N/A | ||
| OM | 8.11% | ||
| PM (TTM) | 7.85% | ||
| GM | 54.12% | ||
| FCFM | 6.21% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 6.81 | ||
| Debt/EBITDA | 1.2 | ||
| Cap/Depr | 73.34% | ||
| Cap/Sales | 4.49% | ||
| Interest Coverage | 14.81 | ||
| Cash Conversion | 75.16% | ||
| Profit Quality | 79.07% | ||
| Current Ratio | 0.98 | ||
| Quick Ratio | 0.98 | ||
| Altman-Z | 0.37 |
F-Score7
WACC6.16%
ROIC/WACC1.5
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)172.09%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-71.93%
EPS Next Y-17.83%
EPS Next 2Y-6.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.46%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%16.44%
Revenue Next Year7.41%
Revenue Next 2Y6.97%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y17.34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year45%
EBIT Next 3YN/A
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%