HIPAY GROUP SA (ALHYP.PA) Stock Fundamental Analysis
Europe - EPA:ALHYP - FR0012821916 - Common Stock
9.58 EUR
-0.12 (-1.24%)
We assign a fundamental rating of 3 out of 10 to ALHYP. ALHYP was compared to 49 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
ALHYP had positive earnings in the past year.
In the past year ALHYP had a positive cash flow from operations.
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.
1.2 Ratios
With a Return On Assets value of 2.97%, ALHYP perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
ALHYP's Return On Equity of 19.28% is fine compared to the rest of the industry. ALHYP outperforms 71.43% of its industry peers.
ALHYP has a Return On Invested Capital of 9.21%. This is in the better half of the industry: ALHYP outperforms 67.35% 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
With a Profit Margin value of 7.85%, ALHYP perfoms like the industry average, outperforming 46.94% of the companies in the same industry.
With a Operating Margin value of 8.11%, ALHYP perfoms like the industry average, outperforming 40.82% 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%
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.
2.2 Solvency
ALHYP has an Altman-Z score of 0.40. 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 0.40, ALHYP is doing worse than 69.39% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 6.81, ALHYP is in line with its industry, outperforming 53.06% of the companies in the same 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 55.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.42 | ||
| Debt/FCF | 6.81 | ||
| Altman-Z | 0.4 |
ROIC/WACC1.49
WACC6.17%
2.3 Liquidity
A Current Ratio of 0.98 indicates that ALHYP may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.98, ALHYP is doing worse than 71.43% of the companies in the same industry.
A Quick Ratio of 0.98 indicates that ALHYP may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.98, ALHYP is doing worse than 71.43% of the companies in the same industry.
| 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.
The Revenue has grown by 13.46% in the past year. This is quite good.
Measured over the past years, ALHYP shows a quite strong growth in Revenue. The Revenue has been growing by 16.33% on average per year.
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 -7.53% 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 6.73% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.19, the valuation of ALHYP can be described as very reasonable.
Based on the Price/Earnings ratio, ALHYP is valued cheaper than 83.67% of the companies in the same industry.
When comparing the Price/Earnings ratio of ALHYP to the average of the S&P500 Index (27.86), we can say ALHYP is valued rather cheaply.
A Price/Forward Earnings ratio of 13.88 indicates a correct valuation of ALHYP.
ALHYP's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.32. ALHYP is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.19 | ||
| Fwd PE | 13.88 |
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 67.35% of the companies listed in the same industry.
65.31% 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 | 13.1 | ||
| EV/EBITDA | 7.61 |
4.3 Compensation for Growth
A cheap valuation may be justified as ALHYP's earnings are expected to decrease with -7.53% in the coming years.
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 (10/3/2025, 7:00:00 PM)
9.58
-0.12 (-1.24%)
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 Cap60.45M
Analysts84.44
Price Target17.34 (81%)
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)-30.21%
EPS NY rev (3m)-36.79%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.19 | ||
| Fwd PE | 13.88 | ||
| P/S | 0.81 | ||
| P/FCF | 13.1 | ||
| P/OCF | 7.6 | ||
| P/B | 2 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.61 |
EPS(TTM)1.17
EY12.21%
EPS(NY)0.69
Fwd EY7.2%
FCF(TTM)0.73
FCFY7.63%
OCF(TTM)1.26
OCFY13.16%
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 | 0.4 |
F-Score7
WACC6.17%
ROIC/WACC1.49
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-48.06%
EPS Next 2Y-20.76%
EPS Next 3Y-7.53%
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 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%