HYPOPORT (HYQ) AI Stock Analysis

• Market Cap: €554.74M
• Dividend Yield: N/A
• Average Volume (3M): 15.61K
• Price to Earnings (P/E): 45.3
• Beta (1Y): 0.97
• Revenue Growth: 61.87%
• EPS Growth: -32.87%
• Country: DE
• Employees: 2,199
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.76
• Shares Outstanding: 6,872,164
• 10 Day Avg. Volume: 19,138
• 30 Day Avg. Volume: 15,614
• PEG Ratio: -2.34
• Price to Book (P/B): 3.18
• Price to Sales (P/S): 2.01
• P/FCF Ratio: 96.80
• 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: €190.00
• Price Target Upside: 137.50% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 5
• Revenue Forecast (FY): €595.85M

• Rating: 61 Neutral
• Price Target: €109.00 ▲(36.25% Upside)
• Action: Reiterated Date: 01/21/26
• Date: Action: Reiterated 01/21/26

The score is primarily supported by solid financial performance—especially strong cash flow generation and returning revenue growth—but is held back by very weak technical momentum (price below all major moving averages with negative MACD). Valuation is also a headwind due to a high P/E and no dividend yield provided.

Positive Factors

Free Cash Flow Strength

Robust FCF growth (+24.2% TTM) and strong cash conversion (operating cash flow to net income 2.77) indicate HYPOPORT reliably converts revenue into cash. Durable cash generation supports R&D, platform investment, debt service or selective M&A and cushions the business across cycles over months.

Revenue Recovery & Diversified Streams

TTM revenue growth of +6.16% and stated recovery from prior declines show sustained demand for HYPOPORT’s mortgage brokerage, licensing and platform services. Multiple transaction and subscription revenue streams enhance predictability and support medium-term scaling of the core fintech marketplace.

Conservative Capital Structure

A manageable debt-to-equity of 0.47 and equity ratio ~54% reflect a conservative balance sheet. This structural strength preserves borrowing capacity, reduces refinancing risk and enables steady investment in product development or strategic partnerships without materially stressing financial flexibility over the next several months.

Negative Factors

Low Profitability Margins

Net margin ~2.7% and EBIT margin ~4.2% are thin for a tech-enabled services model. Persistently low operating profitability limits retained earnings, constrains self-funded growth and increases sensitivity to volume or cost swings, requiring sustained efficiency gains to improve durable earnings power.

Modest Return on Equity

ROE near 4.9% signals modest returns on capital, suggesting assets and capital may be underutilized or pricing power is limited. Over a medium horizon, low ROE pressures management to boost margins, optimize capital allocation or pursue higher-return initiatives to materially improve shareholder value.

Earnings Decline Risk

Reported EPS growth declined roughly 33%, indicating recent earnings deterioration. If this trend reflects structural margin pressure or recurring costs, it can weaken earnings quality, reduce reinvestment capacity and raise the bar for management to restore consistent, durable profitability over the coming months.

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 generates revenue through multiple streams, primarily from transaction fees associated with its mortgage brokerage services. The company operates a platform that connects borrowers with lenders, earning commissions on successful loan placements. Additionally, HYPOPORT's software solutions are licensed to banks and financial institutions, providing a steady income from subscription fees and service agreements. Partnerships with various financial entities enhance its market presence and contribute to its earnings by expanding its customer base and increasing transaction volumes. The company's focus on technology and innovation in the financial sector further positions it to capitalize on emerging trends, thereby bolstering its revenue potential.

HYPOPORT Financial Statement Overview

Summary

Overall fundamentals are solid, supported by improving revenue (TTM +6.16%) and strong cash generation (free cash flow growth +24.2% and strong cash conversion). Profitability remains moderate (net margin 2.67%, EBIT margin 4.24%) and returns are modest (ROE 4.85%), limiting the upside of the score.

Income Statement

HYPOPORT's income statement shows a positive trajectory with a 6.16% revenue growth in the TTM period, indicating a recovery from previous declines. The gross profit margin of 39.87% and net profit margin of 2.67% reflect moderate profitability. However, the EBIT margin of 4.24% suggests room for operational efficiency improvements. Overall, the company demonstrates stable revenue growth with potential for enhanced profitability.

Balance Sheet

The balance sheet reveals a manageable debt-to-equity ratio of 0.47, indicating a balanced approach to leveraging. The return on equity (ROE) of 4.85% is modest, suggesting potential for improved shareholder returns. The equity ratio of 54.25% highlights a solid equity base, providing stability. While the company maintains a healthy financial structure, there is room for enhancing returns on equity.

Cash Flow

Cash flow analysis shows a robust free cash flow growth of 24.2% in the TTM period, reflecting strong cash generation capabilities. The operating cash flow to net income ratio of 2.77 indicates efficient cash conversion. The free cash flow to net income ratio of 51.32% underscores effective cash utilization. Overall, HYPOPORT demonstrates strong cash flow management, supporting its financial health.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	687.47M	560.68M	493.89M	455.50M	446.30M	387.70M
Gross Profit	268.42M	241.45M	209.13M	261.04M	249.44M	210.50M
EBITDA	68.17M	56.04M	53.90M	57.88M	77.25M	64.04M
Net Income	20.57M	12.40M	20.47M	18.69M	30.16M	27.27M
Balance Sheet
Total Assets	683.41M	696.87M	625.77M	583.62M	595.77M	552.05M
Cash, Cash Equivalents and Short-Term Investments	77.19M	86.34M	96.69M	30.04M	49.05M	33.59M
Total Debt	162.75M	186.02M	183.57M	187.66M	197.41M	189.66M
Total Liabilities	308.32M	339.08M	285.13M	310.88M	342.34M	330.65M
Stockholders Equity	370.73M	354.04M	338.60M	271.11M	251.78M	220.46M
Cash Flow
Free Cash Flow	29.45M	11.61M	6.00M	2.58M	27.20M	9.92M
Operating Cash Flow	56.97M	40.20M	36.81M	38.56M	64.35M	46.55M
Investing Cash Flow	-28.19M	-38.47M	-31.17M	-42.48M	-44.71M	-59.51M
Financing Cash Flow	-10.52M	-12.14M	61.07M	-15.06M	-4.23M	21.57M

HYPOPORT Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 80.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 80 is below the 20-day moving average (MA) of 85.13, below the 50-day MA of 97.61, and below the 200-day MA of 140.32, indicating a bearish trend. The MACD of -3.60 indicates Negative momentum. The RSI at 34.66 is Neutral, neither overbought nor oversold. The STOCH value of 10.74 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HYQ	61 Neutral	€554.74M	45.33	5.68%	―	61.87%	-32.87%
JDC	59 Neutral	€279.10M	38.47	14.77%	―	17.04%	79.96%
PBB	53 Neutral	€371.96M	-0.66	-6.58%	3.61%	-14.47%	-542.84%
GLJ	49 Neutral	€613.74M	8.02	4.66%	2.63%	16.74%	-22.66%