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HYPOPORT AG (DE:HYQ)
:HYQ
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HYPOPORT (HYQ) AI Stock Analysis

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DE:HYQ

HYPOPORT

(LSE:HYQ)

Rating:61Neutral
Price Target:
€207.00
▲(13.49%Upside)
HYPOPORT's strong financial growth is overshadowed by poor profitability and high valuation metrics. The technical indicators are mixed, showing potential resistance and neutral momentum, which, combined with a high P/E ratio, suggest caution. The lack of earnings call guidance or notable corporate events further limits positive outlook.

HYPOPORT (HYQ) vs. iShares MSCI Germany ETF (EWG)

HYPOPORT Business Overview & Revenue Model

Company DescriptionHypoport 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 MoneyHypoport SE generates revenue through its various digital platforms that serve different sectors of the financial services industry. The Credit Platform segment earns money by offering a digital marketplace for mortgage finance, where it connects banks, financial service providers, and consumers, charging fees for transactions and services. The Private Client segment derives income from advisory and brokerage services provided to private clients for financial products. The Real Estate Platform segment makes money by offering software solutions for the sale and valuation of real estate, earning fees from the use of its platforms. The Insurance Platform segment generates revenue by providing a digital marketplace for insurance products, where it charges fees for facilitating transactions and offering related services. Significant partnerships with financial institutions and insurance companies enhance the company's reach and contribute to its earnings.

HYPOPORT Financial Statement Overview

Summary
HYPOPORT has demonstrated strong revenue and cash flow growth, with revenue increasing by 56% and free cash flow growing by 93.71%. However, profitability margins are a concern with a low net profit margin of 2.21% and an EBIT margin of 0%. The balance sheet is stable with moderate leverage and strong equity funding, indicating financial stability.
Income Statement
65
Positive
The company has demonstrated a mixed performance in its income statement metrics. Revenue grew significantly from 2023 to 2024 by 56%, indicating positive growth. However, the net profit margin in 2024 was relatively low at 2.21%, reflecting challenges in converting revenue into profit. The EBIT margin was notably at 0%, indicating no earnings before interest and taxes, which could be a concern. EBITDA margin was at 10%, showing some operational efficiency.
Balance Sheet
70
Positive
The balance sheet reflects a stable financial position. The debt-to-equity ratio stood at 0.53 for 2024, indicating moderate leverage. The return on equity (ROE) was 3.50%, suggesting modest returns on shareholder investments. The equity ratio was 50.79%, showing a healthy proportion of assets funded by equity, which indicates financial stability.
Cash Flow
72
Positive
The cash flow statement shows a strong position with a 93.71% growth in free cash flow from 2023 to 2024, indicating improved cash generation capabilities. The operating cash flow to net income ratio was 3.24, suggesting strong operating cash flow relative to net income, which is a positive aspect of cash management.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue612.42M560.68M359.90M455.50M446.30M387.93M
Gross Profit256.15M241.45M75.14M261.04M249.44M96.50M
EBITDA59.29M56.04M53.49M58.22M77.37M63.77M
Net Income14.86M12.40M20.14M18.69M30.16M27.27M
Balance Sheet
Total Assets693.59M696.87M625.77M583.62M595.77M552.05M
Cash, Cash Equivalents and Short-Term Investments97.36M86.34M96.69M30.04M49.05M33.59M
Total Debt177.26M186.77M183.57M187.66M197.41M189.66M
Total Liabilities329.73M339.08M285.13M310.88M342.34M330.65M
Stockholders Equity359.59M354.04M338.60M271.11M251.78M220.46M
Cash Flow
Free Cash Flow33.49M11.61M6.00M2.58M27.20M9.92M
Operating Cash Flow62.40M40.20M36.81M38.56M64.35M46.55M
Investing Cash Flow-29.13M-38.47M-31.17M-42.48M-44.71M-59.51M
Financing Cash Flow-11.55M-12.14M61.07M-15.06M-4.23M21.57M

HYPOPORT Technical Analysis

Technical Analysis Sentiment
Negative
Last Price182.40
Price Trends
50DMA
197.87
Negative
100DMA
191.08
Negative
200DMA
196.77
Negative
Market Momentum
MACD
-2.93
Positive
RSI
32.96
Neutral
STOCH
10.63
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DE:HYQ, the sentiment is Negative. The current price of 182.4 is below the 20-day moving average (MA) of 201.20, below the 50-day MA of 197.87, and below the 200-day MA of 196.77, indicating a bearish trend. The MACD of -2.93 indicates Positive momentum. The RSI at 32.96 is Neutral, neither overbought nor oversold. The STOCH value of 10.63 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:HYQ.

HYPOPORT Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
$17.01B11.599.50%3.95%10.65%1.31%
61
Neutral
€1.22B82.294.24%63.90%-34.90%
€710.03M11.122.52%2.72%
€803.44M12.006.57%2.16%
€223.51M38.127.07%6.94%
€916.53M60.0611.68%0.71%
66
Neutral
€329.73M52.4311.50%28.73%224.95%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
DE:HYQ
HYPOPORT
182.40
-60.20
-24.81%
GB:0R9K
Deutsche Pfandbriefbank
5.26
0.49
10.27%
GB:0R97
GRENKE AG
16.42
-9.12
-35.71%
DE:EUX
EUWAX AG
46.00
4.84
11.76%
DE:BFV
Berliner Effektengesellschaft AG
70.50
3.49
5.21%
DE:JDC
JDC Group AG
28.20
7.80
38.24%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 19, 2025