Hipay Group SA (ALHYP) AI Stock Analysis

• Market Cap: €45.59M
• Dividend Yield: N/A
• Average Volume (3M): 3.42K
• Price to Earnings (P/E): 33.8
• Beta (1Y): 0.68
• Revenue Growth: 9.77%
• EPS Growth: -86.18%
• Country: FR
• Employees: 198
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.06
• Shares Outstanding: 6,313,974
• 10 Day Avg. Volume: 2,081
• 30 Day Avg. Volume: 3,421
• PEG Ratio: 0.03
• Price to Book (P/B): 0.84
• Price to Sales (P/S): 0.34
• P/FCF Ratio: 5.49
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: €8.50 ▲(3.16% Upside)

Hipay Group SA's overall stock score is driven by strong financial performance, particularly in revenue and profit growth, and robust cash flow generation. However, technical analysis indicates bearish momentum, and the stock appears overvalued with a high P/E ratio and no dividend yield. These factors collectively suggest a cautious outlook, with financial strengths offset by technical and valuation concerns.

Positive Factors

Revenue Growth

Consistent revenue growth indicates expanding market presence and effective business strategies, supporting long-term sustainability.

Cash Flow Generation

Strong cash flow generation enhances operational flexibility and supports strategic investments, contributing to future growth.

Profit Margin Improvement

Improved profit margins reflect efficient cost management and operational effectiveness, bolstering financial health.

Negative Factors

Equity Ratio Concerns

A low equity ratio suggests potential vulnerability to financial instability, necessitating stronger equity to reduce risk.

Earnings Volatility

Significant earnings volatility can undermine investor confidence and affect the company's ability to plan long-term investments.

Leverage Levels

Moderate leverage indicates potential constraints on financial flexibility, which could impact future capital allocation decisions.

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 to merchants for processing payments. The company earns a percentage of each transaction processed, which varies based on the payment method and volume. Additionally, Hipay offers subscription-based services for advanced features like fraud detection, analytics, and reporting tools, providing a steady stream of recurring revenue. Partnerships with financial institutions and technology providers enhance its service offerings and expand its market reach, further contributing to its earnings. The company's focus on e-commerce and mobile transactions positions it to benefit from the growing trend of digital payments, which is a significant factor in its revenue growth.

Hipay Group SA Financial Statement Overview

Summary

Hipay Group SA demonstrates strong financial performance with notable revenue and profit growth, improved margins, and healthy cash flow generation. The balance sheet is stable with manageable leverage, though increasing equity could enhance financial resilience. Overall, the company's financial trajectory is positive, with strengths in profitability and cash flow, but opportunities remain in 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	75.63M	74.30M	65.48M	58.93M	53.94M	45.71M
Gross Profit	18.89M	17.46M	17.62M	28.79M	24.01M	20.61M
EBITDA	13.31M	24.21M	9.36M	-1.58M	468.00K	3.26M
Net Income	1.16M	5.83M	2.17M	-7.78M	-4.35M	-1.88M
Balance Sheet
Total Assets	211.29M	196.56M	189.89M	173.03M	151.95M	163.43M
Cash, Cash Equivalents and Short-Term Investments	11.71M	12.09M	895.00K	1.63M	2.12M	3.08M
Total Debt	25.05M	31.41M	23.82M	25.38M	21.41M	16.23M
Total Liabilities	173.68M	166.29M	165.56M	150.61M	122.05M	128.99M
Stockholders Equity	37.62M	30.27M	24.34M	22.42M	29.91M	34.44M
Cash Flow
Free Cash Flow	3.72M	4.61M	2.77M	-2.87M	1.93M	-4.01M
Operating Cash Flow	7.38M	7.95M	5.92M	1.79M	6.82M	-420.00K
Investing Cash Flow	-3.47M	-3.23M	-3.11M	-4.62M	-4.92M	-3.39M
Financing Cash Flow	7.54M	6.52M	-3.57M	2.37M	-2.85M	5.38M

Hipay Group SA Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.24
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 8.24 is above the 20-day moving average (MA) of 7.92, above the 50-day MA of 8.21, and below the 200-day MA of 9.33, indicating a bearish trend. The MACD of -0.13 indicates Negative momentum. The RSI at 41.92 is Neutral, neither overbought nor oversold. The STOCH value of 29.12 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
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
ALHYP	58 Neutral	€45.59M	33.79	3.47%	―	9.77%	-86.18%
ALLIX	53 Neutral	€183.47M	-100.95	-22.79%	―	17.72%	79.71%
WLN	52 Neutral	€445.68M	-0.10	-71.58%	―	-2.35%	-387.75%
VMX	44 Neutral	€16.97M	-0.26	-86.76%	―	-14.91%	-512.12%