ALHYP Fundamental Analysis - HIPAY GROUP SA

Fundamental Rating

ALHYP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 46 industry peers in the Financial Services industry. ALHYP has a medium profitability rating, but doesn't score so well on its financial health evaluation. ALHYP has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year ALHYP was profitable.

ALHYP had a positive operating cash flow in the past year.

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.

1.2 Ratios

ALHYP has a Return On Assets of 2.97%. This is in the better half of the industry: ALHYP outperforms 60.87% of its industry peers.

ALHYP has a better Return On Equity (19.28%) than 71.74% of its industry peers.

The Return On Invested Capital of ALHYP (9.21%) is better than 69.57% 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

Looking at the Profit Margin, with a value of 7.85%, ALHYP is in line with its industry, outperforming 43.48% of the companies in the same industry.

With a Operating Margin value of 8.11%, ALHYP perfoms like the industry average, outperforming 41.30% of the companies in the same industry.

The Gross Margin of ALHYP (54.12%) is comparable to the rest of the 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ALHYP has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it 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.

ALHYP has a worse debt/assets ratio than last year.

2.2 Solvency

ALHYP has an Altman-Z score of 0.38. 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 0.38 is on the low side compared to the rest of the industry. ALHYP is outperformed by 69.57% of its industry peers.

The Debt to FCF ratio of ALHYP is 6.81, which is on the high side as it means it would take ALHYP, 6.81 years of fcf income to pay off all of its debts.

ALHYP has a Debt to FCF ratio of 6.81. This is comparable to the rest of the industry: ALHYP outperforms 54.35% of its industry peers.

A Debt/Equity ratio of 0.42 indicates that ALHYP is not too dependend on debt financing.

ALHYP's Debt to Equity ratio of 0.42 is in line compared to the rest of the industry. ALHYP outperforms 56.52% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.42
Debt/FCF	6.81
Altman-Z	0.38

ROIC/WACC1.54

WACC5.98%

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 worse Current ratio (0.98) than 65.22% of its industry peers.

A Quick Ratio of 0.98 indicates that ALHYP may have some problems paying its short term obligations.

With a Quick ratio value of 0.98, ALHYP is not doing good in the industry: 65.22% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Current Ratio	0.98
Quick Ratio	0.98

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 172.09% over the past year.

The Revenue has grown by 13.46% in the past year. This is quite good.

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)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 0.00% on average over the next years.

ALHYP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.73% yearly.

EPS Next Y-25.58%

EPS Next 2Y-9.35%

EPS Next 3Y0%

EPS Next 5YN/A

Revenue Next Year7.14%

Revenue Next 2Y6.84%

Revenue Next 3Y6.73%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.90, which indicates a rather cheap valuation of ALHYP.

ALHYP's Price/Earnings ratio is a bit cheaper when compared to the industry. ALHYP is cheaper than 76.09% of the companies in the same industry.

ALHYP is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 9.34, the valuation of ALHYP can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ALHYP indicates a somewhat cheap valuation: ALHYP is cheaper than 73.91% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.69, ALHYP is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.9
Fwd PE	9.34

4.2 Price Multiples

ALHYP's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ALHYP is cheaper than 69.57% of the companies in the same industry.

Based on the Price/Free Cash Flow ratio, ALHYP is valued a bit cheaper than 65.22% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	12.64
EV/EBITDA	7.34

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-9.35%

EPS Next 3Y0%

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5. Dividend

5.1 Amount

ALHYP does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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HIPAY GROUP SA

EPA:ALHYP (9/5/2025, 7:00:00 PM)

9.24

+0.08 (+0.87%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-06 2025-05-06

Earnings (Next)09-17 2025-09-17

Inst Owners0.45%

Inst Owner ChangeN/A

Ins Owners50.11%

Ins Owner ChangeN/A

Market Cap58.30M

Analysts84.44

Price Target17.34 (87.66%)

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)-9.43%

EPS NY rev (3m)-9.43%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.25%

Revenue NY rev (3m)-0.25%

Valuation

		Industry Rank	Sector Rank
PE	7.9
Fwd PE	9.34
P/S	0.78
P/FCF	12.64
P/OCF	7.33
P/B	1.93
P/tB	N/A
EV/EBITDA	7.34

EPS(TTM)1.17

EY12.66%

EPS(NY)0.99

Fwd EY10.7%

FCF(TTM)0.73

FCFY7.91%

OCF(TTM)1.26

OCFY13.64%

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	0.38

F-Score7

WACC5.98%

ROIC/WACC1.54

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-25.58%

EPS Next 2Y-9.35%

EPS Next 3Y0%

EPS Next 5YN/A

Revenue 1Y (TTM)13.46%

Revenue growth 3Y11.26%

Revenue growth 5Y16.33%

Sales Q2Q%16.44%

Revenue Next Year7.14%

Revenue Next 2Y6.84%

Revenue Next 3Y6.73%

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%

HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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