Hightech Payment Systems S.A.

CBSE:HPS Stock Report

Market Cap: د.م4.3b

Hightech Payment Systems Valuation

Is HPS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of HPS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: HPS (MAD575) is trading above our estimate of fair value (MAD7.14)

Significantly Below Fair Value: HPS is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for HPS?

Other financial metrics that can be useful for relative valuation.

HPS key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue3.6x
Enterprise Value/EBITDA20.1x
PEG Ratio2.7x

Price to Earnings Ratio vs Peers

How does HPS's PE Ratio compare to its peers?

The above table shows the PE ratio for HPS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average21.5x
SLF Salafin
19.1xn/aد.م1.8b
EQD Societe d'Equipement Domestique et Menager (EQDOM)
20.5xn/aد.م1.8b
MLE Maroc Leasing
10.6xn/aد.م1.1b
6763 Green World Fintech Service
35.6xn/aNT$13.4b
HPS Hightech Payment Systems
45.1x16.7%د.م4.3b

Price-To-Earnings vs Peers: HPS is expensive based on its Price-To-Earnings Ratio (45.1x) compared to the peer average (21.5x).

Price to Earnings Ratio vs Industry

How does HPS's PE Ratio compare vs other companies in the African Diversified Financial Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a13.0%
 n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a13.0%
 n/an/an/a
No more companies

Price-To-Earnings vs Industry: HPS is expensive based on its Price-To-Earnings Ratio (45.1x) compared to the African Diversified Financial industry average (8.8x).

Price to Earnings Ratio vs Fair Ratio

What is HPS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

HPS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio45.1x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate HPS's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst HPS forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentد.م575.00
د.م664.00
+15.5%
3.9%د.م699.00د.م636.00n/a3
Nov ’25د.م570.00
د.م664.00
+16.5%
3.9%د.م699.00د.م636.00n/a3
Oct ’25د.م560.00
د.م680.67
+21.5%
7.2%د.م749.00د.م636.00n/a3
Sep ’25د.م571.10
د.م729.00
+27.6%
7.2%د.م781.00د.م657.00n/a3
Aug ’25د.م520.00
د.م729.00
+40.2%
7.2%د.م781.00د.م657.00n/a3
Jul ’25د.م519.00
د.م730.50
+40.8%
6.2%د.م781.00د.م657.00n/a4
Jun ’25د.م550.00
د.م730.50
+32.8%
6.2%د.م781.00د.م657.00n/a4
May ’25د.م550.00
د.م730.50
+32.8%
6.2%د.م781.00د.م657.00n/a4
Apr ’25د.م578.00
د.م721.50
+24.8%
6.2%د.م781.00د.م657.00n/a4
Mar ’25د.م590.00
د.م721.50
+22.3%
6.2%د.م781.00د.م657.00n/a4
Feb ’25د.م617.90
د.م701.67
+13.6%
4.7%د.م735.00د.م657.00n/a3
Jan ’25د.م622.00
د.م701.67
+12.8%
4.7%د.م735.00د.م657.00n/a3
Dec ’24د.م615.00
د.م688.83
+12.0%
3.7%د.م718.50د.م657.00n/a3
Nov ’24د.م624.00
د.م688.83
+10.4%
3.7%د.م718.50د.م657.00د.م570.003
Oct ’24د.م630.60
د.م770.30
+22.2%
7.0%د.م855.00د.م718.50د.م560.004
Sep ’24د.م620.00
د.م770.30
+24.2%
7.0%د.م855.00د.م718.50د.م571.104
Aug ’24د.م580.00
د.م770.30
+32.8%
7.0%د.م855.00د.م718.50د.م520.004
Jul ’24د.م585.30
د.م771.85
+31.9%
6.8%د.م855.00د.م718.50د.م519.004
Jun ’24د.م556.00
د.م771.85
+38.8%
6.8%د.م855.00د.م718.50د.م550.004
May ’24د.م620.00
د.م789.63
+27.4%
6.2%د.م855.00د.م735.90د.م550.003
Apr ’24د.م650.00
د.م789.63
+21.5%
6.2%د.م855.00د.م735.90د.م578.003
Mar ’24د.م649.90
د.م796.37
+22.5%
7.3%د.م875.20د.م735.90د.م590.003
Feb ’24د.م620.00
د.م796.37
+28.4%
7.3%د.م875.20د.م735.90د.م617.903
Jan ’24د.م650.00
د.م783.57
+20.5%
9.3%د.م875.20د.م697.50د.م622.003
Dec ’23د.م630.90
د.م783.57
+24.2%
9.3%د.م875.20د.م697.50د.م615.003
Nov ’23د.م641.00
د.م783.57
+22.2%
9.3%د.م875.20د.م697.50د.م624.003

Analyst Forecast: Target price is less than 20% higher than the current share price.

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