Hipay Group SA (ALHYP) AI Stock Analysis

• Market Cap: €60.11M
• Dividend Yield: N/A
• Average Volume (3M): 3.03K
• Price to Earnings (P/E): 43.6
• Beta (1Y): 0.99
• Revenue Growth: 9.77%
• EPS Growth: -86.18%
• Country: FR
• Employees: 198
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): N/A
• Shares Outstanding: 6,313,974
• 10 Day Avg. Volume: 4,876
• 30 Day Avg. Volume: 3,028
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: €10.50
• Price Target Upside: 10.29% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: €10.50 ▲(10.29% Upside)

Hipay Group SA's overall stock score is driven primarily by its strong financial performance and attractive valuation. The company's robust revenue and profit growth, coupled with a low P/E ratio, suggest potential for future appreciation. However, technical indicators point to a lack of strong momentum, which tempers the overall score.

Hipay Group SA Business Overview & Revenue Model

Company Description

HiPay Group SA (ALHYP) is a technology company specializing in digital payments and financial services. The company operates in the fintech sector, offering a wide range of payment solutions that enable businesses to seamlessly process transactions across multiple channels. HiPay's core products include payment gateways, fraud prevention tools, and analytics services, designed to optimize payment processes and enhance customer experience for merchants globally.

How the Company Makes Money

HiPay Group SA generates revenue primarily through transaction fees charged to merchants for processing payments via their platforms. The company offers various pricing models, including fixed fees per transaction, percentage-based fees, and subscription plans for access to advanced features and analytics. HiPay also earns income from value-added services such as fraud detection and prevention, currency conversion, and data insights. Significant partnerships with banks, e-commerce platforms, and financial institutions enhance its market reach and contribute to its revenue streams.

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	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
EBITDA	24.21M	8.86M	-1.58M	468.00K	3.26M
Net Income	5.83M	2.17M	-7.78M	-4.35M	-1.88M
Balance Sheet
Total Assets	196.56M	189.89M	173.03M	151.95M	163.43M
Cash, Cash Equivalents and Short-Term Investments	12.09M	895.00K	1.63M	2.12M	3.08M
Total Debt	31.41M	23.82M	15.87M	21.41M	16.23M
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: Neutral
• Last Price: 9.52
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 Neutral. The current price of 9.52 is above the 20-day moving average (MA) of 9.51, below the 50-day MA of 10.18, and above the 200-day MA of 8.37, indicating a neutral trend. The MACD of -0.23 indicates Negative momentum. The RSI at 47.23 is Neutral, neither overbought nor oversold. The STOCH value of 57.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	68 Neutral	€60.11M	43.59	3.62%	―	9.77%	-86.18%
ALLIX	53 Neutral	172.97M	-38.89	-43.66%	―	12.95%	48.81%
WLN	51 Neutral	747.76M	-0.16	-3.60%	―	-2.35%	-387.75%
VMX	46 Neutral	16.80M	-0.26	0.00%	―	-14.93%	-506.92%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

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.