Hipay Group SA (ALHYP) AI Stock Analysis

• Market Cap: €54.05M
• Dividend Yield: N/A
• Average Volume (3M): 4.77K
• Price to Earnings (P/E): 7.3
• Beta (1Y): 0.80
• Revenue Growth: 13.46%
• EPS Growth: 169.40%
• Country: FR
• Employees: 198
• Sector: Technology
• Sector Strength: 84
• Industry: Software - Infrastructure
• EPS (TTM): 0.16
• Shares Outstanding: 6,313,974
• 10 Day Avg. Volume: 4,575
• 30 Day Avg. Volume: 4,771
• PEG Ratio: -0.03
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -6.04
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 71 Outperform
• Price Target: €10.00 ▲(16.82%Upside)

The overall stock score reflects Hipay Group SA's robust financial performance, characterized by strong revenue and profit growth, as well as its attractive valuation. Technical indicators present a mixed outlook, with potential short-term weakness but longer-term strength. The absence of earnings call and corporate events data means these factors do not influence the score.

Hipay Group SA Business Overview & Revenue Model

Company Description

HiPay Group SA operates a payment platform worldwide. The company's products include Professional, an online payment solution for start-ups and SMBs; Enterprise, an online payment hub; and Marketplace, a payment and redistribution platform for marketplaces. It also offers HiPay Omnichannel, a solution for POS payments, and store-to-web and web-to-store; HiPAy Intelligence, an analytical tool to explore and analyze online and in-store activities; and HiPay Sentinel, a fraud-fighting risk management solution. The company serves merchants and e-commerce sellers. HiPay Group SA was incorporated in 2015 and is headquartered in Levallois-Perret, France.

How the Company Makes Money

Hipay Group SA generates revenue primarily through transaction fees charged for processing payments on behalf of its clients. The company earns money every time a transaction is completed using its payment solutions. Additionally, Hipay offers value-added services such as fraud detection and prevention, for which it charges additional fees. Partnerships with banks and financial institutions also play a crucial role in expanding its network and reach, thereby increasing transaction volumes and revenue potential. The company may also derive income from licensing its technology or custom solutions tailored to specific client needs.

Hipay Group SA Financial Statement Overview

Summary

Hipay Group SA demonstrates strong financial performance with significant revenue and profit growth, improved margins, and robust cash flow generation. The balance sheet is stable, with moderate leverage, but there is room for strengthening equity.

Income Statement

Hipay Group SA has shown strong revenue growth, with a significant increase of 13.4% from 2023 to 2024. Gross profit margin for 2024 stands at 23.3%, indicating efficient cost management. The net profit margin improved to 7.85% from 3.31% in 2023, showcasing enhanced profitability. The EBIT and EBITDA margins also saw substantial improvements, reaching 23.3% and 32.6% respectively, reflecting better operational efficiency.

Balance Sheet

The company's debt-to-equity ratio is 1.04, suggesting moderate leverage. Return on equity for 2024 is 19.28%, showing a healthy return for shareholders. However, the equity ratio is relatively low at 15.4%, implying a high reliance on liabilities to finance assets. Overall, the balance sheet indicates a stable financial position, though with room for strengthening equity.

Cash Flow

Free cash flow grew by 66.3% from 2023 to 2024, signaling robust cash generation capabilities. The operating cash flow to net income ratio is 1.36, indicating strong cash conversion efficiency. Additionally, the free cash flow to net income ratio stands at 0.79, reflecting good cash flow relative to profits. The cash flow position is positive, supporting operational and strategic flexibility.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
74.30M	65.48M	58.93M	53.94M	45.71M
	Gross Profit
17.29M	17.62M	28.79M	24.01M	20.61M
	EBIT
17.29M	4.17M	-3.23M	-2.75M	194.00K
	EBITDA
24.21M	8.86M	-1.58M	468.00K	3.26M
	Net Income Common Stockholders
5.83M	2.17M	-7.78M	-4.35M	-1.88M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
12.09M	895.00K	1.63M	2.12M	3.08M
	Total Assets
196.56M	189.89M	173.03M	151.95M	163.43M
	Total Debt
31.41M	23.82M	15.87M	21.41M	16.23M
	Net Debt
19.32M	22.92M	14.24M	19.28M	13.15M
	Total Liabilities
166.29M	165.56M	150.61M	122.05M	128.99M
	Stockholders Equity
30.27M	24.34M	22.42M	29.91M	34.44M
Cash Flow		Free Cash Flow
4.61M	2.77M	-2.87M	1.93M	-4.01M
	Operating Cash Flow
7.95M	5.92M	1.79M	6.82M	-420.00K
	Investing Cash Flow
-3.23M	-3.11M	-4.62M	-4.92M	-3.39M
	Financing Cash Flow
6.52M	-3.57M	2.37M	-2.85M	5.38M

Hipay Group SA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.56
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FR:ALHYP, the sentiment is Negative. The current price of 8.56 is below the 20-day moving average (MA) of 9.45, below the 50-day MA of 9.13, and above the 200-day MA of 6.94, indicating a neutral trend. The MACD of -0.10 indicates Positive momentum. The RSI at 31.88 is Neutral, neither overbought nor oversold. The STOCH value of 39.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FR:ALHYP.

Hipay Group SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ALHYP	71 Outperform	€54.05M	7.33	21.37%	―	13.46%	169.40%
Sector *	62 Neutral	$11.97B	10.29	-7.47%	2.99%	7.32%	-8.06%
0HB5		€85.03B	7.87	9.58%	6.18%	―	―
0HAI		€48.58B	7.65	9.68%	6.82%	―	―
0J6Y		€35.21B	11.42	5.93%	2.18%	―	―
0QVI		€1.37B	―	-3.53%	―	―	―

Hipay Group SA Corporate Events

HiPay Reports Strong Revenue Growth in 2024 Amid Economic Challenges

HiPay Group SA reported a significant revenue increase of 13.4% in 2024 compared to the previous year, with notable growth in payment volume and point-of-sale transactions. The company exceeded its budgetary objectives with strong performance in digital markets and Southern Europe, and regained momentum in the French retail sector. Despite a challenging economic environment, HiPay’s unified commerce offer and expansion in markets outside France, such as Portugal, Italy, and Germany, contributed to its robust growth.