HYPOPORT (HYQ) AI Stock Analysis

• Market Cap: €1.45B
• Dividend Yield: N/A
• Average Volume (3M): 7.93K
• Price to Earnings (P/E): 95.5
• Beta (1Y): 1.42
• Revenue Growth: 63.90%
• EPS Growth: -34.94%
• Country: DE
• Employees: 2,199
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Credit Services
• EPS (TTM): 0.82
• Shares Outstanding: 6,872,164
• 10 Day Avg. Volume: 6,923
• 30 Day Avg. Volume: 7,935
• PEG Ratio: 4.94
• Price to Book (P/B): 3.80
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 40.75
• 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: €279.00
• Price Target Upside: 31.60% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 63 Neutral
• Price Target: €209.00 ▼(-1.42%Downside)

HYPOPORT exhibits strong growth in revenue and cash flow, which supports its financial stability. However, the low profitability margins and high P/E ratio present significant concerns. The technical analysis indicates mixed market signals, with little momentum to support a strong upward trend. Overall, the stock's attractiveness is tempered by valuation concerns and operational efficiency challenges.

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 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	612.42M	560.68M	359.90M	455.50M	446.30M	387.93M
Gross Profit	256.15M	241.45M	75.14M	261.04M	249.44M	96.50M
EBITDA	59.29M	56.04M	53.49M	58.22M	77.37M	63.77M
Net Income	14.86M	12.40M	20.14M	18.69M	30.16M	27.27M
Balance Sheet
Total Assets	693.59M	696.87M	625.77M	583.62M	595.77M	552.05M
Cash, Cash Equivalents and Short-Term Investments	97.36M	86.34M	96.69M	30.04M	49.05M	33.59M
Total Debt	177.26M	186.77M	183.57M	187.66M	197.41M	189.66M
Total Liabilities	329.73M	339.08M	285.13M	310.88M	342.34M	330.65M
Stockholders Equity	359.59M	354.04M	338.60M	271.11M	251.78M	220.46M
Cash Flow
Free Cash Flow	33.49M	11.61M	6.00M	2.58M	27.20M	9.92M
Operating Cash Flow	62.40M	40.20M	36.81M	38.56M	64.35M	46.55M
Investing Cash Flow	-29.13M	-38.47M	-31.17M	-42.48M	-44.71M	-59.51M
Financing Cash Flow	-11.55M	-12.14M	61.07M	-15.06M	-4.23M	21.57M

HYPOPORT Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 212.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 Positive. The current price of 212 is above the 20-day moving average (MA) of 193.88, above the 50-day MA of 199.03, and above the 200-day MA of 204.38, indicating a bullish trend. The MACD of 2.64 indicates Negative momentum. The RSI at 68.24 is Neutral, neither overbought nor oversold. The STOCH value of 78.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for DE:HYQ.

HYPOPORT Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HYQ	63 Neutral	€1.45B	95.50	9.19%	―	63.90%	-34.94%
Sector *	61 Neutral	C$14.74B	6.39	22.27%	5.55%	29.68%	-22.81%
0R9K		€716.08M	10.98	2.52%	2.82%	―	―
0R97		€836.92M	12.46	6.57%	1.91%	―	―
EUX		€228.66M	39.18	7.07%	7.34%	―	―
BFV		€903.53M	59.21	11.68%	0.72%	―	―
JDC	73 Outperform	€318.05M	51.60	11.50%	―	28.73%	224.95%