Hightech Payment Systems S.A.

CBSE:HPS Stock Report

Market Cap: د.م4.6b

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.

Discounted Cash Flow
Simply Wall St
د.م5.37
Fair Value
11.4k% overvalued intrinsic discount
3
Number of Analysts

Below Fair Value: HPS (MAD615) is trading above our estimate of fair value (MAD5.37)

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?

Key metric: As HPS is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for HPS. This is calculated by dividing HPS's market cap by their current earnings.
What is HPS's PE Ratio?
PE Ratio48.3x
Earningsد.م94.36m
Market Capد.م4.55b

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 Average21.7x
SLF Salafin
20.1xn/aد.م1.9b
EQD Societe d'Equipement Domestique et Menager (EQDOM)
20.9xn/aد.م1.9b
IMXI International Money Express
6.8x1.1%US$416.3m
CTLP Cantaloupe
39x40.4%US$558.7m
HPS Hightech Payment Systems
48.3x16.7%د.م4.6b

Price-To-Earnings vs Peers: HPS is expensive based on its Price-To-Earnings Ratio (48.3x) compared to the peer average (21.7x).

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
HPS 48.3xIndustry Avg. 8.8xNo. of Companies5PE0816243240+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: HPS is expensive based on its Price-To-Earnings Ratio (48.3x) compared to the African Diversified Financial industry average (9x).

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 Ratio48.3x
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.م615.00
د.م674.33
+9.6%
6.0%د.م730.00د.م636.00n/a3
Mar ’26د.م634.80
د.م674.33
+6.2%
6.0%د.م730.00د.م636.00n/a3
Feb ’26د.م679.00
د.م674.33
-0.7%
6.0%د.م730.00د.م636.00n/a3
Jan ’26د.م607.00
د.م674.33
+11.1%
6.0%د.م730.00د.م636.00n/a3
Dec ’25د.م550.00
د.م664.00
+20.7%
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.م657.00د.م634.804
Feb ’25د.م617.90
د.م701.67
+13.6%
4.7%د.م735.00د.م657.00د.م679.003
Jan ’25د.م622.00
د.م701.67
+12.8%
4.7%د.م735.00د.م657.00د.م607.003
Dec ’24د.م615.00
د.م688.83
+12.0%
3.7%د.م718.50د.م657.00د.م550.003
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
Analyst Price Target
Consensus Narrative from 3 Analysts
د.م674.33
Fair Value
8.8% undervalued intrinsic discount
3
Number of Analysts

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

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/03/21 18:05
End of Day Share Price 2025/03/21 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 7 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Myriam ChaabouniAlphaMena
Kais KriaaAlphaMena
Khadija El MoussilyBmce Capital Bourse