HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - Euronext Paris - EPA:ALHYP - FR0012821916 - Common Stock
8.38 EUR
-0.02 (-0.24%)
Overall ALHYP gets a fundamental rating of 3 out of 10. We evaluated ALHYP against 53 industry peers in the Financial Services industry. Both the profitability and financial health of ALHYP have multiple concerns. ALHYP is valued expensive and it does not seem to be growing.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.55%, ALHYP is in line with its industry, outperforming 43.40% of the companies in the same industry.
With a Return On Equity value of 3.06%, ALHYP perfoms like the industry average, outperforming 54.72% of the companies in the same industry.
With a decent Return On Invested Capital value of 6.43%, ALHYP is doing good in the industry, outperforming 71.70% of the companies in the same industry.
| 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
ALHYP has a Profit Margin (1.54%) which is comparable to the rest of the industry.
ALHYP has a Operating Margin of 6.25%. This is comparable to the rest of the industry: ALHYP outperforms 41.51% of its industry peers.
ALHYP's Gross Margin of 52.12% is in line compared to the rest of the industry. ALHYP outperforms 54.72% of its industry peers.
In the last couple of years the Gross Margin of ALHYP has grown nicely.
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ALHYP is still 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 0.37. 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 0.37, ALHYP is doing worse than 67.92% of the companies in the same industry.
ALHYP has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.32, ALHYP is in line with its industry, outperforming 58.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.37 |
ROIC/WACC1.08
WACC5.98%
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 69.81% of its industry peers.
A Quick Ratio of 1.01 indicates that ALHYP should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.01, ALHYP is not doing good in the industry: 67.92% of the companies in the same industry are doing better.
| 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%.
Looking at the last year, ALHYP shows a quite strong growth in Revenue. The Revenue has grown by 9.77% in the last year.
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
The Earnings Per Share is expected to decrease by -7.53% 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-48.06%
EPS Next 2Y-20.76%
EPS Next 3Y-7.53%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 38.09, ALHYP can be considered very expensive at the moment.
The rest of the industry has a similar Price/Earnings ratio as ALHYP.
ALHYP is valuated rather expensively when we compare the Price/Earnings ratio to 26.41, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.04, the valuation of ALHYP can be described as very reasonable.
67.92% of the companies in the same industry are more expensive than ALHYP, based on the Price/Forward Earnings ratio.
ALHYP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.09 | ||
| Fwd PE | 10.04 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ALHYP is valued a bit cheaper than 69.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 7.13 |
4.3 Compensation for Growth
ALHYP's earnings are expected to decrease with -7.53% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-20.76%
EPS Next 3Y-7.53%
5. Dividend
5.1 Amount
No dividends for ALHYP!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EPA:ALHYP (12/4/2025, 7:00:00 PM)
8.38
-0.02 (-0.24%)
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 Cap52.88M
Revenue(TTM)75.63M
Net Income(TTM)1.16M
Analysts84.44
Price Target17.34 (106.92%)
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)0%
EPS NY rev (3m)-30.21%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.09 | ||
| Fwd PE | 10.04 | ||
| P/S | 0.7 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.43 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.13 |
EPS(TTM)0.22
EY2.63%
EPS(NY)0.83
Fwd EY9.96%
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 | 0.37 |
F-ScoreN/A
WACC5.98%
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)-86.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-94.06%
EPS Next Y-48.06%
EPS Next 2Y-20.76%
EPS Next 3Y-7.53%
EPS Next 5YN/A
Revenue 1Y (TTM)9.77%
Revenue growth 3Y11.26%
Revenue growth 5Y16.33%
Sales Q2Q%3.69%
Revenue Next Year7.14%
Revenue Next 2Y6.84%
Revenue Next 3Y6.73%
Revenue Next 5YN/A
EBIT growth 1Y-25.84%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year22.5%
EBIT Next 3Y15.1%
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 2 / 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 -48.06% in the next year.