HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis

EPA:ALHYP • FR0012821916

5.54 EUR
-0.2 (-3.48%)
Last: Feb 18, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, ALHYP scores 3 out of 10 in our fundamental rating. ALHYP was compared to 58 industry peers in the Financial Services industry. Both the profitability and financial health of ALHYP have multiple concerns. 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.
  • 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.
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

  • Looking at the Return On Assets, with a value of 0.55%, ALHYP is doing worse than 60.34% of the companies in the same industry.
  • ALHYP has a Return On Equity (3.09%) which is in line with its industry peers.
  • ALHYP has a Return On Invested Capital of 6.43%. This is in the better half of the industry: ALHYP outperforms 70.69% of its industry peers.
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

  • Looking at the Profit Margin, with a value of 1.54%, ALHYP is doing worse than 62.07% of the companies in the same industry.
  • The Operating Margin of ALHYP (6.24%) is worse than 62.07% of its industry peers.
  • ALHYP's Gross Margin of 52.12% is in line compared to the rest of the industry. ALHYP outperforms 53.45% of its industry peers.
  • 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

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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.
  • The number of shares outstanding for ALHYP remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, ALHYP has about the same amount of shares outstanding.
  • 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 60.34% of the companies in the same industry.
  • 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 62.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF N/A
Altman-Z 0.3
ROIC/WACC1.11
WACC5.78%
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 has a Current ratio of 1.01. This is in the lower half of the industry: ALHYP underperforms 65.52% 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.
  • ALHYP's Quick ratio of 1.01 is on the low side compared to the rest of the industry. ALHYP is outperformed by 65.52% of its industry peers.
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

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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%.
  • 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

  • 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

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 25.18 indicates a quite expensive valuation of ALHYP.
  • The rest of the industry has a similar Price/Earnings ratio as ALHYP.
  • The average S&P500 Price/Earnings ratio is at 27.27. ALHYP is around the same levels.
  • The Price/Forward Earnings ratio is 8.03, which indicates a very decent 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 70.69% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.16, ALHYP is valued rather cheaply.
Industry RankSector Rank
PE 25.18
Fwd PE 8.03
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 77.59% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.21
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 -14.72% in the coming years.
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

  • No dividends for ALHYP!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

HIPAY GROUP SA

EPA:ALHYP (2/18/2026, 7:00:00 PM)

5.54

-0.2 (-3.48%)

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 Cap34.96M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (213%)
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 25.18
Fwd PE 8.03
P/S 0.46
P/FCF N/A
P/OCF N/A
P/B 0.93
P/tB N/A
EV/EBITDA 5.21
EPS(TTM)0.22
EY3.97%
EPS(NY)0.69
Fwd EY12.46%
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
WACC5.78%
ROIC/WACC1.11
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 25.18 and the Price/Book (PB) ratio is 0.93.