HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis

EPA:ALHYP • FR0012821916

5.6 EUR
+0.2 (+3.7%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ALHYP. ALHYP was compared to 59 industry peers in the Financial Services industry. ALHYP has a bad profitability rating. Also its financial health evaluation is rather negative. ALHYP has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • ALHYP had positive earnings in the past year.
  • 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.
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 61.02% of its industry peers.
  • ALHYP's Return On Equity of 3.09% is in line compared to the rest of the industry. ALHYP outperforms 52.54% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 6.43%, ALHYP is in the better half of the industry, outperforming 71.19% 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

  • ALHYP has a worse Profit Margin (1.54%) than 61.02% of its industry peers.
  • With a Operating Margin value of 6.24%, ALHYP is not doing good in the industry: 64.41% of the companies in the same industry are doing better.
  • ALHYP has a Gross Margin (52.12%) which is comparable to the rest of the industry.
  • 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.
  • Compared to 1 year ago, ALHYP has about the same amount of shares outstanding.
  • ALHYP has about the same amout of shares outstanding than it did 5 years ago.
  • ALHYP has a worse debt/assets ratio than last year.
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.
  • Looking at the Altman-Z score, with a value of 0.30, ALHYP is doing worse than 62.71% of the companies in the same industry.
  • 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 62.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z 0.3
ROIC/WACC1.08
WACC5.94%
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.
  • ALHYP's Current ratio of 1.01 is on the low side compared to the rest of the industry. ALHYP is outperformed by 66.10% of its industry peers.
  • 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.
  • Looking at the Quick ratio, with a value of 1.01, ALHYP is doing worse than 66.10% of the companies in the same industry.
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

  • ALHYP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -86.35%.
  • The Revenue has grown by 9.77% in the past year. This is quite good.
  • 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

  • ALHYP is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -14.72% yearly.
  • 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.
  • ALHYP's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, ALHYP is valued at the same level.
  • Based on the Price/Forward Earnings ratio of 8.11, 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 74.58% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of ALHYP to the average of the S&P500 Index (27.69), we can say ALHYP is valued rather cheaply.
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 the industry average as 77.97% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.13
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

  • 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

HIPAY GROUP SA

EPA:ALHYP (2/12/2026, 7:00:00 PM)

5.6

+0.2 (+3.7%)

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 5.13
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
WACC5.94%
ROIC/WACC1.08
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.