HYPOPORT AG (DE:HYQ)
XETRA:HYQ
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HYPOPORT
(XETRA:HYQ)
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Rating:64Neutral
Price Target:
€94.00
▲(0.27% Upside)
Action:Reiterated
Date:05/15/26
The score is primarily driven by constructive financial performance (strong TTM growth and improved margins) but held back by inconsistent margin history and weaker cash conversion. Technicals are mixed with short-term strength but a weaker longer-term trend, while valuation appears reasonable at a ~15 P/E without dividend support.
Positive Factors
Platform-based recurring & transaction revenue
Platform and SaaS mix creates durable recurring revenue and network effects: more lenders and brokers raise platform utility, supporting steady fee and subscription income over time. This structural model aids scalability and customer retention in regulated financial channels.
Negative Factors
Weak cash conversion
Low FCF-to-net-income and weak OCF conversion indicate earnings don't reliably convert to cash, likely from working-capital timing or receivables. Over months this constrains self-funded growth, increases reliance on external financing, and weakens ability to sustain investments or distributions.
Read all positive and negative factors
Positive Factors
Negative Factors
Platform-based recurring & transaction revenue
Platform and SaaS mix creates durable recurring revenue and network effects: more lenders and brokers raise platform utility, supporting steady fee and subscription income over time. This structural model aids scalability and customer retention in regulated financial channels.
Read all positive factors
HYPOPORT (HYQ) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€541.71M
Dividend YieldN/A
Average Volume (3M)15.61K
Price to Earnings (P/E)15.0
Beta (1Y)1.03
Revenue Growth0.04%
EPS Growth90.09%
CountryDE
Employees2,199
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)4.23
Shares Outstanding6,872,164
10 Day Avg. Volume19,138
30 Day Avg. Volume15,614
Financial Highlights & Ratios
PEG Ratio0.30
Price to Book (P/B)2.29
Price to Sales (P/S)1.43
P/FCF Ratio39.94
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€175.00Price Target Upside86.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.62
Revenue Forecast (FY)€585.42M
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 indepe...
How the Company Makes Money
Hypoport makes money mainly by operating digital platforms and selling software and related services to financial-industry clients. A key revenue driver is transaction- and usage-based income generated when banks, mortgage brokers, and other inter...
HYPOPORT Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 612.70M | 602.60M | 560.68M | 493.89M | 455.50M | 446.30M |
| Gross Profit | 263.23M | 93.43M | 241.45M | 209.13M | 261.04M | 249.44M |
| EBITDA | 71.95M | 69.67M | 56.04M | 53.90M | 57.88M | 77.25M |
| Net Income | 28.18M | 26.00M | 12.40M | 20.47M | 18.69M | 30.16M |
Balance Sheet | ||||||
| Total Assets | 693.42M | 692.32M | 696.87M | 625.77M | 583.62M | 595.77M |
| Cash, Cash Equivalents and Short-Term Investments | 103.81M | 94.19M | 86.34M | 96.69M | 30.04M | 49.05M |
| Total Debt | 169.15M | 176.26M | 186.02M | 183.57M | 187.66M | 197.41M |
| Total Liabilities | 310.36M | 312.35M | 339.08M | 285.13M | 310.88M | 342.34M |
| Stockholders Equity | 378.95M | 376.06M | 354.04M | 338.60M | 271.11M | 251.78M |
Cash Flow | ||||||
| Free Cash Flow | 27.12M | 21.60M | 11.61M | 6.00M | 2.58M | 27.20M |
| Operating Cash Flow | 54.70M | 49.12M | 40.20M | 36.81M | 38.56M | 64.35M |
| Investing Cash Flow | -27.04M | -27.27M | -38.47M | -31.17M | -42.48M | -44.71M |
| Financing Cash Flow | -21.21M | -16.23M | -12.14M | 61.07M | -15.06M | -4.23M |
HYPOPORT Technical Analysis
Negative
93.75
Price Trends
80.98
Negative
92.31
Negative
115.15
Negative
Market Momentum
-0.23
Negative
46.57
Neutral
40.27
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 93.75 is above the 20-day moving average (MA) of 81.86, above the 50-day MA of 80.98, and below the 200-day MA of 115.15, indicating a bearish trend. The MACD of -0.23 indicates Negative momentum. The RSI at 46.57 is Neutral, neither overbought nor oversold. The STOCH value of 40.27 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | €548.90M | 13.07 | 13.18% | 2.65% | 1.76% | -18.57% | |
64 Neutral | €541.71M | 15.02 | 7.56% | ― | 0.04% | 90.09% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | €593.28M | 9.89 | 5.31% | 2.63% | 14.40% | 10.33% | |
42 Neutral | €463.13M | -3.38 | -10.36% | 3.61% | -25.75% | -496.17% |
* General Sector Average
DE:HYQ
HYPOPORT
79.65
-125.35
-61.15%
DE:PBB
Deutsche Pfandbriefbank
3.35
-2.00
-37.30%
DE:GFT
GFT Technologies
21.40
-1.95
-8.35%
DE:GLJ
GRENKE AG
12.54
-0.59
-4.49%
DE:EBEN
aifinyo AG
3.49
0.00
0.00%
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.