HYPOPORT AG (DE:HYQ)
XETRA:HYQ
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HYPOPORT
(XETRA:HYQ)
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Rating:56Neutral
Price Target:
€78.00
▲(7.96% Upside)
Action:ReiteratedDate:04/06/26
The score is driven mainly by moderate financial fundamentals—improving leverage and a 2025 profit rebound—partly offset by a 2025 revenue decline, multi-year margin compression, and mixed cash conversion. Technicals are the biggest drag, with the stock trading below all key moving averages and negative MACD indicating a weak trend. Valuation also limits upside, as the P/E (~33) looks high without dividend support.
Positive Factors
Platform business model & network effects
Hypoport's platform-and-SaaS model generates recurring subscription fees plus volume-linked transaction income. Network effects and long-term relationships with banks, brokers and insurers create high switching costs and sticky demand, supporting durable revenue streams over months to years.
Negative Factors
2025 revenue decline
After multi-year expansion, a pronounced revenue drop in 2025 signals weakening demand or market-share pressure for a volume-driven platform. Lower transaction volumes directly reduce fee income and make near-term top-line recovery uncertain, weakening visibility for medium-term growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Platform business model & network effects
Hypoport's platform-and-SaaS model generates recurring subscription fees plus volume-linked transaction income. Network effects and long-term relationships with banks, brokers and insurers create high switching costs and sticky demand, supporting durable revenue streams over months to years.
Read all positive factors
HYPOPORT (HYQ) vs. iShares MSCI Germany ETF (EWG)
Market Cap
€482.89M
Dividend YieldN/A
Average Volume (3M)15.61K
Price to Earnings (P/E)33.2
Beta (1Y)0.97
Revenue Growth61.87%
EPS Growth-32.87%
CountryDE
Employees2,199
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.57
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 Upside142.21% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)4.58
Revenue Forecast (FY)€552.37M
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
62
Positive
Balance Sheet
72
Positive
Cash Flow
58
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 602.60M | 560.68M | 493.89M | 455.50M | 446.30M |
| Gross Profit | 231.50M | 241.45M | 209.13M | 261.04M | 249.44M |
| EBITDA | 67.90M | 56.04M | 53.90M | 57.88M | 77.25M |
| Net Income | 26.00M | 12.40M | 20.47M | 18.69M | 30.16M |
Balance Sheet | |||||
| Total Assets | 692.32M | 696.87M | 625.77M | 583.62M | 595.77M |
| Cash, Cash Equivalents and Short-Term Investments | 94.19M | 86.34M | 96.69M | 30.04M | 49.05M |
| Total Debt | 176.26M | 186.02M | 183.57M | 187.66M | 197.41M |
| Total Liabilities | 312.35M | 339.08M | 285.13M | 310.88M | 342.34M |
| Stockholders Equity | 376.06M | 354.04M | 338.60M | 271.11M | 251.78M |
Cash Flow | |||||
| Free Cash Flow | 21.60M | 11.61M | 6.00M | 2.58M | 27.20M |
| Operating Cash Flow | 49.12M | 40.20M | 36.81M | 38.56M | 64.35M |
| Investing Cash Flow | -27.27M | -38.47M | -31.17M | -42.48M | -44.71M |
| Financing Cash Flow | -16.23M | -12.14M | 61.07M | -15.06M | -4.23M |
HYPOPORT Technical Analysis
Negative
72.25
Price Trends
85.05
Negative
103.86
Negative
132.14
Negative
Market Momentum
-4.40
Negative
37.99
Neutral
43.33
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 72.25 is below the 20-day moving average (MA) of 77.94, below the 50-day MA of 85.05, and below the 200-day MA of 132.14, indicating a bearish trend. The MACD of -4.40 indicates Negative momentum. The RSI at 37.99 is Neutral, neither overbought nor oversold. The STOCH value of 43.33 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 |
|---|---|---|---|---|---|---|---|
60 Neutral | €470.18M | 14.91 | 12.64% | 2.65% | 3.28% | -26.16% | |
56 Neutral | €482.89M | 33.18 | 7.03% | ― | 61.87% | -32.87% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
49 Neutral | €586.77M | 9.90 | 5.31% | 2.63% | 16.74% | -22.66% | |
42 Neutral | €403.43M | -2.00 | -10.36% | 3.61% | -14.47% | -542.84% |
* General Sector Average
DE:HYQ
HYPOPORT
72.25
-100.15
-58.09%
DE:PBB
Deutsche Pfandbriefbank
3.00
-1.74
-36.75%
DE:GFT
GFT Technologies
17.86
-0.62
-3.38%
DE:GLJ
GRENKE AG
12.62
0.02
0.13%
DE:EBEN
aifinyo AG
3.49
0.00
0.00%
DE:CSQ
creditshelf Aktiengesellschaft
0.02
0.01
100.00%
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.