HYPOPORT (HYQ) AI Stock Analysis

• Market Cap: €822.09M
• Dividend Yield: N/A
• Average Volume (3M): 15.61K
• Price to Earnings (P/E): 47.6
• Beta (1Y): 1.27
• Revenue Growth: 61.87%
• EPS Growth: -32.87%
• Country: DE
• Employees: 2,199
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.76
• Shares Outstanding: 6,872,164
• 10 Day Avg. Volume: 19,138
• 30 Day Avg. Volume: 15,614
• PEG Ratio: -2.34
• Price to Book (P/B): 3.18
• Price to Sales (P/S): 2.01
• P/FCF Ratio: 96.80
• 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: €254.75
• Price Target Upside: 95.66% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: €129.00 ▼(-0.92% Downside)

HYPOPORT's overall stock score is primarily influenced by its stable financial performance and operational efficiency, despite low profitability margins and cash flow challenges. Technical analysis indicates a bearish trend, and the stock appears overvalued based on its high P/E ratio. The absence of earnings call data and corporate events means these factors did not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a positive trajectory and market expansion, which is fundamental for long-term business sustainability.

Market Position

Strong market position in financial services enhances competitive advantage and supports sustained business growth through innovative offerings.

Operational Efficiency

Stable operational efficiency suggests effective cost management and resource utilization, which are crucial for maintaining profitability.

Negative Factors

Profitability Margins

Low profitability margins indicate potential challenges in cost management and pricing power, which could impact long-term financial health.

Cash Flow Challenges

Declining free cash flow growth may limit investment capabilities and flexibility, posing risks to future expansion and operational stability.

Profitability Efficiency

Modest ROE suggests limited efficiency in generating shareholder returns, which could affect investor confidence and capital attraction.

HYPOPORT Business Overview & Revenue Model

Company Description

Hypoport SE operates as a technology-based financial service provider in Germany. The company operates through four segments: Credit Platform, Private Clients, Real Estate Platform, and Insurance Platform. It offers EUROPACE marketplace for independent distributors to process their financing transactions with the product suppliers they represent. The company also provides mortgage finance, personal loans, insurance, and current and deposit accounts through distribution channels, including online and branch-based sales. In addition, it offers advice and customized solutions in the areas of financial management, portfolio management, and insurance for business customers; PRoMMiSe, a software that helps banks with the analysis and reporting of securitized or collateralized loan portfolios; Software as a Service for banks and housing companies; and property valuation services, as well as supports issuers with the provision of information technology and a range of services. Further, it develops and operates software solutions for the sale and management of insurance products; operates SMART INSUR, a web-based B2B platform for advice, comparison of tariffs, and the administration of insurance policies; and provides support services to small and medium-sized financial product distributors in relation to the brokerage of insurance policies. The company was founded in 1954 and is headquartered in Lübeck, Germany.

How the Company Makes Money

HYPOPORT generates revenue through multiple streams, primarily from transaction fees associated with its mortgage brokerage services. The company operates a platform that connects borrowers with lenders, earning commissions on successful loan placements. Additionally, HYPOPORT's software solutions are licensed to banks and financial institutions, providing a steady income from subscription fees and service agreements. Partnerships with various financial entities enhance its market presence and contribute to its earnings by expanding its customer base and increasing transaction volumes. The company's focus on technology and innovation in the financial sector further positions it to capitalize on emerging trends, thereby bolstering its revenue potential.

HYPOPORT Financial Statement Overview

Summary

HYPOPORT demonstrates stable financial performance with consistent revenue growth and operational efficiency. However, profitability margins are relatively low, and cash flow management presents challenges with declining free cash flow growth. The company maintains a strong equity position and manageable leverage.

Income Statement

HYPOPORT's income statement shows a moderate performance with a steady revenue growth rate of 5.74% TTM, indicating a positive trajectory. The gross profit margin of 39.87% TTM is healthy, though it has declined from previous years. The net profit margin of 2.67% TTM is relatively low, suggesting room for improvement in profitability. EBIT and EBITDA margins are stable, reflecting consistent operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.47 TTM, indicating manageable leverage. The return on equity (ROE) of 4.85% TTM is modest, suggesting moderate efficiency in generating returns for shareholders. The equity ratio of 53.26% TTM shows a strong equity base, enhancing financial stability.

Cash Flow

Cash flow analysis reveals a decline in free cash flow growth by -12.27% TTM, highlighting potential liquidity challenges. The operating cash flow to net income ratio of 0.36 TTM indicates adequate cash generation relative to net income. The free cash flow to net income ratio of 0.51 TTM suggests a reasonable conversion of earnings into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	647.57M	560.68M	493.89M	455.50M	446.30M	387.70M
Gross Profit	258.17M	241.45M	209.13M	261.04M	249.44M	210.50M
EBITDA	63.93M	56.04M	53.90M	57.88M	77.25M	64.04M
Net Income	17.29M	12.40M	20.47M	18.69M	30.16M	27.27M
Balance Sheet
Total Assets	686.50M	696.87M	625.77M	583.62M	595.77M	552.05M
Cash, Cash Equivalents and Short-Term Investments	86.91M	86.34M	96.69M	30.04M	49.05M	33.59M
Total Debt	171.20M	186.02M	183.57M	187.66M	197.41M	189.66M
Total Liabilities	316.59M	339.08M	285.13M	310.88M	342.34M	330.65M
Stockholders Equity	365.59M	354.04M	338.60M	271.11M	251.78M	220.46M
Cash Flow
Free Cash Flow	29.38M	11.61M	6.00M	2.58M	27.20M	9.92M
Operating Cash Flow	57.25M	40.20M	36.81M	38.56M	64.35M	46.55M
Investing Cash Flow	-28.52M	-38.47M	-31.17M	-42.48M	-44.71M	-59.51M
Financing Cash Flow	-11.64M	-12.14M	61.07M	-15.06M	-4.23M	21.57M

HYPOPORT Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 130.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:HYQ, the sentiment is Neutral. The current price of 130.2 is above the 20-day moving average (MA) of 117.49, below the 50-day MA of 132.59, and below the 200-day MA of 170.63, indicating a neutral trend. The MACD of -3.90 indicates Negative momentum. The RSI at 52.95 is Neutral, neither overbought nor oversold. The STOCH value of 90.72 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for DE:HYQ.

HYPOPORT Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GLJ	63 Neutral	€674.19M	11.56	5.50%	2.70%	16.74%	-22.66%
HYQ	58 Neutral	€822.09M	47.60	5.74%	―	61.87%	-32.87%
JDC	55 Neutral	€407.62M	60.55	9.90%	―	17.04%	79.96%
PBB	53 Neutral	€546.78M	-2.52	-7.33%	3.32%	-14.47%	-542.84%