HYPOPORT (HYQ) AI Stock Analysis

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HYPOPORT

(XETRA:HYQ)

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Rating:62Neutral

Price Target:EUR 86.00▲(5.52% Upside)

Action:reiterated

Date:10/01/26

Score is driven primarily by improving financial performance (strong TTM revenue growth, better leverage, recovering ROE), partially offset by uneven cash conversion and margin volatility. Technicals materially detract due to a clear downtrend (price below all major DMAs and negative MACD), while valuation is moderately supportive with a reasonable P/E and no dividend yield data.

Positive Factors

Strong TTM Revenue GrowthThe sharp TTM revenue increase indicates meaningful expansion in the company’s operating base and strengthens its ability to fund platform development. If sustained, this momentum can improve operating leverage, deepen customer relationships, and support stronger earnings over the next several quarters.

Negative Factors

Volatile MarginsMaterial margin variation makes earnings less predictable and indicates that profitability remains sensitive to business mix or cost levels. Even with stronger revenue, inconsistent gross margins can limit operating leverage and make it harder for HYPOPORT to sustain improvements in net income.

HYPOPORT (HYQ) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 544.72M
Dividend Yield: ―
Average Volume (3M): 22.22K
Price to Earnings (P/E): 19.0
Beta (1Y): 1.13
Revenue Growth: -4.72%
EPS Growth: 65.65%
Country: Germany
Employees: 2,209
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

HYPOPORT Business Overview & Revenue Model

Company Description

Hypoport SE, established in 1954 and headquartered in Lübeck, Germany, functions as a technology-driven financial services provider. Its extensive operations are structured across four primary divisions: Credit, Private Clients, Real Estate, and Insu...

HYPOPORT Financial Statement Overview

Summary

Solid, improving fundamentals led by very strong TTM revenue growth (+70.6%) and better profitability versus 2024. Balance sheet leverage is improving (debt-to-equity down to ~0.42 TTM) and ROE is recovering (~7.6% TTM). Offsetting this, margins remain volatile and cash conversion is mixed (FCF down -12.4% TTM and FCF-to-net-income ~0.46).

Income Statement

72Positive

Balance Sheet

74Positive

Cash Flow

63Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	617.02M	602.60M	560.68M	493.89M	455.50M	446.30M
Gross Profit	216.27M	93.43M	241.45M	209.13M	261.04M	249.44M
EBITDA	70.49M	64.54M	56.04M	53.90M	57.88M	77.25M
Net Income	28.51M	26.00M	12.40M	20.47M	18.69M	30.16M
Balance Sheet
Total Assets	672.67M	692.32M	696.87M	625.77M	583.62M	595.77M
Cash, Cash Equivalents and Short-Term Investments	90.40M	94.19M	86.34M	96.69M	30.04M	49.05M
Total Debt	162.58M	176.26M	186.02M	183.57M	187.66M	197.41M
Total Liabilities	284.71M	312.35M	339.08M	285.13M	310.88M	342.34M
Stockholders Equity	384.10M	376.06M	354.04M	338.60M	271.11M	251.78M
Cash Flow
Free Cash Flow	23.75M	21.60M	11.61M	6.00M	2.58M	27.20M
Operating Cash Flow	51.98M	49.12M	40.20M	36.81M	38.56M	64.35M
Investing Cash Flow	-27.29M	-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

Technical Analysis SentimentPositive

Last Price81.50

Price Trends

50DMA77.14Positive

100DMA80.71Positive

200DMA82.40Negative

Market Momentum

MACD2.06Negative

RSI59.74Neutral

STOCH50.48Neutral

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 81.50 is above the 20-day moving average (MA) of 75.61, above the 50-day MA of 77.14, and below the 200-day MA of 82.40, indicating a neutral trend. The MACD of 2.06 indicates Negative momentum. The RSI at 59.74 is Neutral, neither overbought nor oversold. The STOCH value of 50.48 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

DE:HYQ against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
DE:HYQ	62Neutral	EUR 544.72M	19.00	7.55%	―	-4.72%	65.65%
DE:GFT	58Neutral	EUR 735.81M	19.55	13.66%	1.79%	3.01%	-3.62%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
DE:GLJ	41Neutral	EUR 468.68M	6.18	5.80%	4.17%	13.67%	30.29%
DE:PBB	31Underperform	EUR 375.99M	-7.26	-0.96%	5.36%	-20.56%	76.04%

* General Sector Average

Performance Comparison

DE:HYQ and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:HYQ	HYPOPORT AG	81.50	-45.10	-35.62%
DE:PBB	Deutsche Pfandbriefbank	2.80	-1.38	-33.11%
DE:GFT	GFT Technologies	27.95	11.03	65.20%
DE:GLJ	GRENKE AG	10.08	-4.23	-29.56%
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.

Date of analysis: Oct 01, 2026

HYPOPORT AI Stock Analysis