HYPOPORT SE (HYQ.DE) Stock Fundamental Analysis
Europe - FRA:HYQ - DE0005493365 - Common Stock
133.8 EUR
-11 (-7.6%)
Taking everything into account, HYQ scores 4 out of 10 in our fundamental rating. HYQ was compared to 51 industry peers in the Financial Services industry. Both the profitability and the financial health of HYQ get a neutral evaluation. Nothing too spectacular is happening here. HYQ is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
HYQ had positive earnings in the past year.
In the past year HYQ had a positive cash flow from operations.
Each year in the past 5 years HYQ has been profitable.
In the past 5 years HYQ always reported a positive cash flow from operatings.
1.2 Ratios
HYQ has a better Return On Assets (2.52%) than 62.75% of its industry peers.
Looking at the Return On Equity, with a value of 4.73%, HYQ is in the better half of the industry, outperforming 60.78% of the companies in the same industry.
HYQ has a Return On Invested Capital (3.97%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HYQ is significantly below the industry average of 10.03%.
The last Return On Invested Capital (3.97%) for HYQ is above the 3 year average (3.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.52% | ||
| ROE | 4.73% | ||
| ROIC | 3.97% |
ROA(3y)2.69%
ROA(5y)3.61%
ROE(3y)5.48%
ROE(5y)8.15%
ROIC(3y)3.07%
ROIC(5y)4.8%
1.3 Margins
HYQ has a Profit Margin (2.67%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of HYQ has declined.
HYQ has a Operating Margin of 3.94%. This is in the lower half of the industry: HYQ underperforms 64.71% of its industry peers.
In the last couple of years the Operating Margin of HYQ has declined.
HYQ has a Gross Margin (43.21%) which is in line with its industry peers.
In the last couple of years the Gross Margin of HYQ has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.94% | ||
| PM (TTM) | 2.67% | ||
| GM | 43.21% |
OM growth 3Y-35.37%
OM growth 5Y-21.94%
PM growth 3Y-31.08%
PM growth 5Y-21.09%
GM growth 3Y-8.28%
GM growth 5Y-4.22%
2. Health
2.1 Basic Checks
HYQ has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for HYQ remains at a similar level compared to 1 year ago.
Compared to 5 years ago, HYQ has more shares outstanding
HYQ has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.54 indicates that HYQ is not in any danger for bankruptcy at the moment.
The Altman-Z score of HYQ (3.54) is better than 70.59% of its industry peers.
HYQ has a debt to FCF ratio of 5.83. This is a neutral value as HYQ would need 5.83 years to pay back of all of its debts.
HYQ has a Debt to FCF ratio (5.83) which is in line with its industry peers.
HYQ has a Debt/Equity ratio of 0.39. This is a healthy value indicating a solid balance between debt and equity.
HYQ has a Debt to Equity ratio (0.39) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 5.83 | ||
| Altman-Z | 3.54 |
ROIC/WACC0.62
WACC6.42%
2.3 Liquidity
A Current Ratio of 1.46 indicates that HYQ should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.46, HYQ is in line with its industry, outperforming 50.98% of the companies in the same industry.
A Quick Ratio of 1.45 indicates that HYQ should not have too much problems paying its short term obligations.
HYQ has a Quick ratio (1.45) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.45 |
3. Growth
3.1 Past
HYQ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.10%.
The earnings per share for HYQ have been decreasing by -13.81% on average. This is quite bad
HYQ shows a strong growth in Revenue. In the last year, the Revenue has grown by 62.31%.
Measured over the past years, HYQ shows a quite strong growth in Revenue. The Revenue has been growing by 10.70% on average per year.
EPS 1Y (TTM)-39.1%
EPS 3Y-27.1%
EPS 5Y-13.81%
EPS Q2Q%100.97%
Revenue 1Y (TTM)62.31%
Revenue growth 3Y7.9%
Revenue growth 5Y10.7%
Sales Q2Q%31.78%
3.2 Future
HYQ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 64.06% yearly.
The Revenue is expected to grow by 15.67% on average over the next years. This is quite good.
EPS Next Y104.94%
EPS Next 2Y82.31%
EPS Next 3Y64.06%
EPS Next 5YN/A
Revenue Next Year42.24%
Revenue Next 2Y24.92%
Revenue Next 3Y19.45%
Revenue Next 5Y15.67%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 51.66, which means the current valuation is very expensive for HYQ.
62.75% of the companies in the same industry are cheaper than HYQ, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of HYQ to the average of the S&P500 Index (27.08), we can say HYQ is valued expensively.
The Price/Forward Earnings ratio is 24.62, which indicates a rather expensive current valuation of HYQ.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HYQ is on the same level as its industry peers.
HYQ's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.66 | ||
| Fwd PE | 24.62 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HYQ is on the same level as its industry peers.
HYQ's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.29 | ||
| EV/EBITDA | 17.42 |
4.3 Compensation for Growth
HYQ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as HYQ's earnings are expected to grow with 64.06% in the coming years.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y82.31%
EPS Next 3Y64.06%
5. Dividend
5.1 Amount
No dividends for HYQ!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:HYQ (10/28/2025, 5:29:01 PM)
133.8
-11 (-7.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners44.05%
Inst Owner ChangeN/A
Ins Owners32.63%
Ins Owner ChangeN/A
Market Cap919.21M
Revenue(TTM)647.57M
Net Income(TTM)17.29M
Analysts78
Price Target257.38 (92.36%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.58%
PT rev (3m)-5.95%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-5.65%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.66 | ||
| Fwd PE | 24.62 | ||
| P/S | 1.42 | ||
| P/FCF | 31.29 | ||
| P/OCF | 16.06 | ||
| P/B | 2.51 | ||
| P/tB | 90.85 | ||
| EV/EBITDA | 17.42 |
EPS(TTM)2.59
EY1.94%
EPS(NY)5.43
Fwd EY4.06%
FCF(TTM)4.28
FCFY3.2%
OCF(TTM)8.33
OCFY6.23%
SpS94.26
BVpS53.22
TBVpS1.47
PEG (NY)0.49
PEG (5Y)N/A
Graham Number55.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.52% | ||
| ROE | 4.73% | ||
| ROCE | 4.82% | ||
| ROIC | 3.97% | ||
| ROICexc | 4.75% | ||
| ROICexgc | 24.26% | ||
| OM | 3.94% | ||
| PM (TTM) | 2.67% | ||
| GM | 43.21% | ||
| FCFM | 4.54% |
ROA(3y)2.69%
ROA(5y)3.61%
ROE(3y)5.48%
ROE(5y)8.15%
ROIC(3y)3.07%
ROIC(5y)4.8%
ROICexc(3y)3.51%
ROICexc(5y)5.35%
ROICexgc(3y)17.9%
ROICexgc(5y)23.4%
ROCE(3y)3.72%
ROCE(5y)5.82%
ROICexgc growth 3Y-25.39%
ROICexgc growth 5Y-27.61%
ROICexc growth 3Y-30.88%
ROICexc growth 5Y-20.89%
OM growth 3Y-35.37%
OM growth 5Y-21.94%
PM growth 3Y-31.08%
PM growth 5Y-21.09%
GM growth 3Y-8.28%
GM growth 5Y-4.22%
F-Score5
Asset Turnover0.94
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 5.83 | ||
| Debt/EBITDA | 2.28 | ||
| Cap/Depr | 76.41% | ||
| Cap/Sales | 4.3% | ||
| Interest Coverage | 7.22 | ||
| Cash Conversion | 92.4% | ||
| Profit Quality | 169.95% | ||
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.45 | ||
| Altman-Z | 3.54 |
F-Score5
WACC6.42%
ROIC/WACC0.62
Cap/Depr(3y)88.97%
Cap/Depr(5y)105.18%
Cap/Sales(3y)6.37%
Cap/Sales(5y)7.38%
Profit Quality(3y)46.61%
Profit Quality(5y)53.27%
High Growth Momentum
Growth
EPS 1Y (TTM)-39.1%
EPS 3Y-27.1%
EPS 5Y-13.81%
EPS Q2Q%100.97%
EPS Next Y104.94%
EPS Next 2Y82.31%
EPS Next 3Y64.06%
EPS Next 5YN/A
Revenue 1Y (TTM)62.31%
Revenue growth 3Y7.9%
Revenue growth 5Y10.7%
Sales Q2Q%31.78%
Revenue Next Year42.24%
Revenue Next 2Y24.92%
Revenue Next 3Y19.45%
Revenue Next 5Y15.67%
EBIT growth 1Y16%
EBIT growth 3Y-30.27%
EBIT growth 5Y-13.58%
EBIT Next Year291.18%
EBIT Next 3Y83.57%
EBIT Next 5YN/A
FCF growth 1Y268.09%
FCF growth 3Y-24.7%
FCF growth 5Y-9.58%
OCF growth 1Y273.33%
OCF growth 3Y-14.52%
OCF growth 5Y-2.76%
HYPOPORT SE / HYQ.DE FAQ
What is the ChartMill fundamental rating of HYPOPORT SE (HYQ.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to HYQ.DE.
What is the valuation status of HYPOPORT SE (HYQ.DE) stock?
ChartMill assigns a valuation rating of 3 / 10 to HYPOPORT SE (HYQ.DE). This can be considered as Overvalued.
Can you provide the profitability details for HYPOPORT SE?
HYPOPORT SE (HYQ.DE) has a profitability rating of 4 / 10.
What is the financial health of HYPOPORT SE (HYQ.DE) stock?
The financial health rating of HYPOPORT SE (HYQ.DE) is 5 / 10.
What is the earnings growth outlook for HYPOPORT SE?
The Earnings per Share (EPS) of HYPOPORT SE (HYQ.DE) is expected to grow by 104.94% in the next year.