(HYQ) Hypoport SE - Ratings and Ratios
Mortgage Platforms, Credit Solutions, SaaS Finance
HYQ EPS (Earnings per Share)
HYQ Revenue
Description: HYQ Hypoport SE
Hypoport SE, listed on XETRA under the ticker symbol HYQ, is a German company operating in the consumer finance sub-industry. As a leading fintech provider, Hypoport SE offers a range of financial services and products, including mortgage financing, insurance, and personal loans, facilitating transactions between consumers, banks, and insurance companies.
The companys market capitalization stands at approximately 1.1 billion EUR, with a price-to-earnings ratio of 63.28, indicating a relatively high valuation compared to its earnings. The forward P/E ratio is slightly higher at 64.94, suggesting that the market expects earnings to remain relatively stable or grow modestly. The return on equity (RoE) is 4.85%, which is relatively low and may indicate that the company is not generating sufficient profits from its equity.
To assess Hypoport SEs performance, key drivers to watch include the growth of its loan and insurance volumes, revenue diversification, and the companys ability to maintain its market position in a competitive fintech landscape. Key performance indicators (KPIs) such as revenue growth, gross margin, and customer acquisition costs are crucial in evaluating the companys operational efficiency and profitability. Additionally, macroeconomic factors like interest rates, consumer spending, and regulatory changes in the financial sector can significantly impact Hypoport SEs business.
From a valuation perspective, the high P/E ratio suggests that investors have high expectations for Hypoport SEs future growth. To justify this valuation, the company needs to demonstrate sustained growth in its core businesses, successful expansion into new markets or services, and a clear strategy for improving its return on equity. The companys beta of 2.194 indicates that its stock price is relatively volatile compared to the broader market, which may be a concern for risk-averse investors.
HYQ Stock Overview
| Market Cap in USD | 1,193m |
| Sub-Industry | Consumer Finance |
| IPO / Inception |
HYQ Stock Ratings
| Growth Rating | -65.2% |
| Fundamental | 62.9% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -53.4% |
| Analyst Rating | - |
HYQ Dividends
Currently no dividends paidHYQ Growth Ratios
| Growth Correlation 3m | -65.4% |
| Growth Correlation 12m | -56.6% |
| Growth Correlation 5y | -56.2% |
| CAGR 5y | -22.03% |
| CAGR/Max DD 5y | -0.25 |
| Sharpe Ratio 12m | -1.63 |
| Alpha | -54.91 |
| Beta | 0.508 |
| Volatility | 47.91% |
| Current Volume | 10.2k |
| Average Volume 20d | 13.9k |
| Stop Loss | 136.2 (-4.6%) |
| Signal | -2.69 |
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income (17.3m TTM) > 0 and > 6% of Revenue (6% = 38.9m TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 2.12pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 11.09% (prev 13.64%; Δ -2.55pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 57.2m > Net Income 17.3m (YES >=105%, WARN >=100%) |
| Net Debt (84.3m) to EBITDA (63.9m) ratio: 1.32 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.46 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (6.69m) change vs 12m ago 0.07% (target <= -2.0% for YES) |
| Gross Margin 39.87% (prev 45.26%; Δ -5.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 99.92% (prev 65.44%; Δ 34.47pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7.02 (EBITDA TTM 63.9m / Interest Expense TTM 3.91m) >= 6 (WARN >= 3) |
Altman Z'' 2.94
| (A) 0.10 = (Total Current Assets 229.4m - Total Current Liabilities 157.6m) / Total Assets 686.5m |
| (B) 0.35 = Retained Earnings (Balance) 240.8m / Total Assets 686.5m |
| (C) 0.04 = EBIT TTM 27.4m / Avg Total Assets 648.1m |
| (D) 0.78 = Book Value of Equity 247.7m / Total Liabilities 316.6m |
| Total Rating: 2.94 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.91
| 1. Piotroski 6.50pt = 1.50 |
| 2. FCF Yield 2.76% = 1.38 |
| 3. FCF Margin 4.54% = 1.13 |
| 4. Debt/Equity 0.35 = 2.44 |
| 5. Debt/Ebitda 2.00 = -0.01 |
| 6. ROIC - WACC -2.35% = -2.94 |
| 7. RoE 4.85% = 0.40 |
| 8. Rev. Trend 74.32% = 3.72 |
| 9. Rev. CAGR 12.67% = 1.58 |
| 10. EPS Trend 47.89% = 1.20 |
| 11. EPS CAGR 41.09% = 2.50 |
What is the price of HYQ shares?
Over the past week, the price has changed by -6.67%, over one month by -26.62%, over three months by -29.31% and over the past year by -45.54%.
Is Hypoport SE a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HYQ is around 110.02 EUR . This means that HYQ is currently overvalued and has a potential downside of -22.96%.
Is HYQ a buy, sell or hold?
What are the forecasts/targets for the HYQ price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 261.6 | 83.2% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 121.1 | -15.2% |
HYQ Fundamental Data Overview
Market Cap EUR = 1.02b (1.02b EUR * 1.0 EUR.EUR)
CCE Cash And Equivalents = 86.9m EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 59.7656
P/E Forward = 64.9351
P/S = 1.7212
P/B = 2.8018
P/EG = 4.5213
Beta = 2.194
Revenue TTM = 647.6m EUR
EBIT TTM = 27.4m EUR
EBITDA TTM = 63.9m EUR
Long Term Debt = 98.1m EUR (from longTermDebt, last quarter)
Short Term Debt = 30.0m EUR (from shortTermDebt, last quarter)
Debt = 128.1m EUR (Calculated: Short Term 30.0m + Long Term 98.1m)
Net Debt = 84.3m EUR (from netDebt column, last quarter)
Enterprise Value = 1.07b EUR (1.02b + Debt 128.1m - CCE 86.9m)
Interest Coverage Ratio = 7.02 (Ebit TTM 27.4m / Interest Expense TTM 3.91m)
FCF Yield = 2.76% (FCF TTM 29.4m / Enterprise Value 1.07b)
FCF Margin = 4.54% (FCF TTM 29.4m / Revenue TTM 647.6m)
Net Margin = 2.67% (Net Income TTM 17.3m / Revenue TTM 647.6m)
Gross Margin = 39.87% ((Revenue TTM 647.6m - Cost of Revenue TTM 389.4m) / Revenue TTM)
Tobins Q-Ratio = 4.30 (Enterprise Value 1.07b / Book Value Of Equity 247.7m)
Interest Expense / Debt = 0.73% (Interest Expense 934.0k / Debt 128.1m)
Taxrate = 17.62% (from yearly Income Tax Expense: 2.81m / 15.9m)
NOPAT = 22.6m (EBIT 27.4m * (1 - 17.62%))
Current Ratio = 1.46 (Total Current Assets 229.4m / Total Current Liabilities 157.6m)
Debt / Equity = 0.35 (Debt 128.1m / last Quarter total Stockholder Equity 365.6m)
Debt / EBITDA = 2.00 (Net Debt 84.3m / EBITDA 63.9m)
Debt / FCF = 4.36 (Debt 128.1m / FCF TTM 29.4m)
Total Stockholder Equity = 356.3m (last 4 quarters mean)
RoA = 2.52% (Net Income 17.3m, Total Assets 686.5m )
RoE = 4.85% (Net Income TTM 17.3m / Total Stockholder Equity 356.3m)
RoCE = 6.04% (Ebit 27.4m / (Equity 356.3m + L.T.Debt 98.1m))
RoIC = 4.73% (NOPAT 22.6m / Invested Capital 478.1m)
WACC = 7.08% (E(1.02b)/V(1.15b) * Re(7.89%)) + (D(128.1m)/V(1.15b) * Rd(0.73%) * (1-Tc(0.18)))
Shares Correlation 5-Years: 100.0 | Cagr: 1.51%
Discount Rate = 7.89% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈22.9m ; Y1≈15.0m ; Y5≈6.87m
Fair Price DCF = 20.18 (DCF Value 135.1m / Shares Outstanding 6.69m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 74.32 | Revenue CAGR: 12.67%
Rev Growth-of-Growth: 33.05
EPS Correlation: 47.89 | EPS CAGR: 41.09%
EPS Growth-of-Growth: 11.55