HYPOPORT (HYQ) AI Stock Analysis

• Market Cap: €1.26B
• Dividend Yield: N/A
• Average Volume (3M): 8.55K
• Price to Earnings (P/E): 82.9
• Beta (1Y): 1.53
• Revenue Growth: 63.90%
• EPS Growth: -34.94%
• Country: DE
• Employees: 2,199
• Sector: Financial
• Sector Strength: 78
• Industry: Financial - Credit Services
• EPS (TTM): 0.82
• Shares Outstanding: 6,872,164
• 10 Day Avg. Volume: 7,603
• 30 Day Avg. Volume: 8,548
• PEG Ratio: 3.82
• Price to Book (P/B): 3.39
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 78.98
• 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: €314.00
• Price Target Upside: 70.65% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 61 Neutral
• Price Target: €209.00 ▲(13.59%Upside)

The financial performance of HYPOPORT is bolstered by revenue and cash flow growth, but low profitability margins and operational efficiency are concerns. The stock's technical indicators show mixed short-term momentum, and a high P/E ratio suggests potential overvaluation.

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 SE generates revenue through a diversified model centered on its digital platforms and services. The company's key revenue streams include commission-based earnings from its mortgage brokerage services, where it connects consumers with mortgage lenders. Additionally, Hypoport earns income from its financial software solutions, which are used by banks, financial advisors, and insurance companies, through licensing fees and subscription models. The insurance distribution segment contributes revenue through commissions from sales of insurance products facilitated via its platforms. The company's strategic partnerships with financial institutions and insurance providers significantly bolster its market presence and revenue potential.

HYPOPORT Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
424.75M	359.90M	455.50M	446.30M	387.93M	337.59M
	Gross Profit
186.65M	208.18M	261.04M	249.44M	96.50M	91.16M
	EBIT
20.54M	13.30M	24.89M	47.84M	36.46M	33.51M
	EBITDA
66.37M	53.49M	58.22M	77.37M	63.77M	53.34M
	Net Income Common Stockholders
30.48M	20.14M	18.69M	30.16M	27.27M	24.38M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
75.64M	96.69M	30.04M	49.05M	33.59M	24.89M
	Total Assets
601.50M	625.77M	583.62M	595.77M	552.05M	391.58M
	Total Debt
176.98M	183.57M	187.66M	197.41M	189.66M	114.87M
	Net Debt
101.34M	86.91M	157.72M	148.49M	156.15M	89.98M
	Total Liabilities
257.90M	285.13M	310.88M	342.34M	330.65M	213.20M
	Stockholders Equity
341.65M	338.60M	271.11M	251.78M	220.46M	178.03M
Cash Flow		Free Cash Flow
14.85M	6.00M	2.58M	27.20M	9.92M	19.21M
	Operating Cash Flow
43.85M	36.81M	38.56M	64.35M	46.55M	46.23M
	Investing Cash Flow
-38.70M	-31.17M	-42.48M	-44.71M	-59.51M	-59.88M
	Financing Cash Flow
-13.29M	61.07M	-15.06M	-4.23M	21.57M	6.78M

HYPOPORT Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 184.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 184 is below the 20-day moving average (MA) of 200.56, below the 50-day MA of 194.03, and below the 200-day MA of 211.08, indicating a bearish trend. The MACD of 0.75 indicates Positive momentum. The RSI at 39.94 is Neutral, neither overbought nor oversold. The STOCH value of 31.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for DE:HYQ.

HYPOPORT Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.93B	9.70	7.85%	78.03%	12.07%	-7.83%
HYQ	61 Neutral	€1.26B	82.88	9.19%	―	63.90%	-34.94%
0R9K		€743.65M	9.42	2.52%	―	―	―
0R97		€653.73M	9.54	6.57%	2.91%	―	―
EUX		€215.27M	37.07	7.07%	8.15%	―	―
BFV		€897.03M	58.78	11.68%	0.72%	―	―
JDC	73 Outperform	€310.26M	48.09	11.50%	―	28.73%	224.95%