Hightech Payment Systems Valuation
Is HPS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation Score 0/6
Below Future Cash Flow Value
Significantly Below Future Cash Flow Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Future Cash Flow 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.
Ultimate guide to DCF valuation for stock investing
Learn how to determine fair value like the best investors in the world.
Below Future Cash Flow Value: Insufficient data to calculate HPS's future cash flow value for valuation analysis.
Significantly Below Future Cash Flow Value: Insufficient data to calculate HPS's future cash flow value for valuation analysis.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for HPS?
Key metric: As HPS is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.
| What is HPS's PE Ratio? | |
|---|---|
| PE Ratio | 43.4x |
| Earnings | د.م105.78m |
| Market Cap | د.م4.59b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 3.1x |
| Enterprise Value/EBITDA | 18.8x |
| PEG Ratio | 1.7x |
Price to Earnings Ratio vs Peers
How does HPS's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 18.6x | ||
CAP Cash Plus | 25.6x | 15.92% | د.م6.2b |
EQD Societe d'Equipement Domestique et Menager (EQDOM) | 26.2x | n/a | د.م2.6b |
SLF Salafin | 13.7x | n/a | د.م1.3b |
MLE Maroc Leasing | 8.8x | n/a | د.م944.1m |
HPS Hightech Payment Systems | 43.4x | 26.23% | د.م4.6b |
Price-To-Earnings vs Peers: HPS is expensive based on its Price-To-Earnings Ratio (43.4x) compared to the peer average (18.6x).
Historical Price to Earnings Ratio
Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.
Fetching historical data
Price to Earnings Ratio vs Industry
How does HPS's PE Ratio compare vs other companies in the African Diversified Financial Industry?
| 1 Company | Price / Earnings | Estimated Growth | Market Cap |
|---|---|---|---|
| 1 Company | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Earnings vs Industry: HPS is expensive based on its Price-To-Earnings Ratio (43.4x) compared to the African Diversified Financial industry average (11.8x).
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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 43.4x |
| Fair PE Ratio | 35.1x |
Price-To-Earnings vs Fair Ratio: HPS is expensive based on its Price-To-Earnings Ratio (43.4x) compared to the estimated Fair Price-To-Earnings Ratio (35.1x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | د.م620.00 | د.م709.00 +14.35% | 11.10% | د.م783.00 | د.م600.00 | n/a | 3 |
| Jul ’27 | د.م621.00 | د.م709.00 +14.17% | 11.10% | د.م783.00 | د.م600.00 | n/a | 3 |
| Jun ’27 | د.م620.00 | د.م709.00 +14.35% | 11.10% | د.م783.00 | د.م600.00 | n/a | 3 |
| May ’27 | د.م614.90 | د.م709.00 +15.30% | 11.10% | د.م783.00 | د.م600.00 | n/a | 3 |
| Apr ’27 | د.م535.00 | د.م731.33 +36.70% | 6.59% | د.م783.00 | د.م667.00 | n/a | 3 |
| Mar ’27 | د.م525.00 | د.م720.00 +37.14% | 5.21% | د.م749.00 | د.م667.00 | n/a | 3 |
| Feb ’27 | د.م526.00 | د.م715.00 +35.93% | 6.71% | د.م763.00 | د.م667.00 | n/a | 2 |
| Jan ’27 | د.م556.00 | د.م721.33 +29.74% | 5.57% | د.م763.00 | د.م667.00 | n/a | 3 |
| Dec ’26 | د.م522.00 | د.م721.33 +38.19% | 5.57% | د.م763.00 | د.م667.00 | n/a | 3 |
| Nov ’26 | د.م545.00 | د.م727.33 +33.46% | 6.43% | د.م781.00 | د.م667.00 | n/a | 3 |
| Oct ’26 | د.م490.00 | د.م717.33 +46.39% | 5.06% | د.م751.00 | د.م667.00 | n/a | 3 |
| Sep ’26 | د.م585.00 | د.م713.67 +21.99% | 5.80% | د.م751.00 | د.م656.00 | n/a | 3 |
| Aug ’26 | د.م590.00 | د.م713.67 +20.96% | 5.80% | د.م751.00 | د.م656.00 | n/a | 3 |
| Jul ’26 | د.م580.00 | د.م713.67 +23.05% | 5.80% | د.م751.00 | د.م656.00 | د.م621.00 | 3 |
| Jun ’26 | د.م550.00 | د.م713.67 +29.76% | 5.80% | د.م751.00 | د.م656.00 | د.م620.00 | 3 |
| May ’26 | د.م569.00 | د.م646.00 +13.53% | 1.55% | د.م656.00 | د.م636.00 | د.م614.90 | 2 |
| Apr ’26 | د.م620.00 | د.م674.33 +8.76% | 5.97% | د.م730.00 | د.م636.00 | د.م535.00 | 3 |
| Mar ’26 | د.م634.80 | د.م674.33 +6.23% | 5.97% | د.م730.00 | د.م636.00 | د.م525.00 | 3 |
| Feb ’26 | د.م679.00 | د.م674.33 -0.69% | 5.97% | د.م730.00 | د.م636.00 | د.م526.00 | 3 |
| Jan ’26 | د.م607.00 | د.م674.33 +11.09% | 5.97% | د.م730.00 | د.م636.00 | د.م556.00 | 3 |
| Dec ’25 | د.م550.00 | د.م664.00 +20.73% | 3.94% | د.م699.00 | د.م636.00 | د.م522.00 | 3 |
| Nov ’25 | د.م570.00 | د.م664.00 +16.49% | 3.94% | د.م699.00 | د.م636.00 | د.م545.00 | 3 |
| Oct ’25 | د.م560.00 | د.م680.67 +21.55% | 7.21% | د.م749.00 | د.م636.00 | د.م490.00 | 3 |
| Sep ’25 | د.م571.10 | د.م729.00 +27.65% | 7.21% | د.م781.00 | د.م657.00 | د.م585.00 | 3 |
| Aug ’25 | د.م520.00 | د.م729.00 +40.19% | 7.21% | د.م781.00 | د.م657.00 | د.م590.00 | 3 |
| Jul ’25 | د.م519.00 | د.م730.50 +40.75% | 6.24% | د.م781.00 | د.م657.00 | د.م580.00 | 4 |
Analyst Forecast: Target price is less than 20% higher than the current share price.
Discover undervalued companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/10 03:56 |
| End of Day Share Price | 2026/07/10 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Hightech Payment Systems S.A. is covered by 5 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kais Kriaa | AlphaMena |
| Myriam Chaabouni | AlphaMena |
| Khadija El Moussily | Bmce Capital Bourse |