HYPOPORT SE (HYQ.DE) Stock Fundamental Analysis
Europe - FRA:HYQ - DE0005493365 - Common Stock
142.8 EUR
+2.4 (+1.71%)
HYQ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 49 industry peers in the Financial Services industry. HYQ has only an average score on both its financial health and profitability. HYQ is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
HYQ had positive earnings in the past year.
HYQ had a positive operating cash flow in the past year.
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
With a Return On Assets value of 2.52%, HYQ perfoms like the industry average, outperforming 53.06% of the companies in the same industry.
HYQ has a Return On Equity (4.73%) which is comparable to the rest of the industry.
HYQ has a Return On Invested Capital of 3.97%. This is comparable to the rest of the industry: HYQ outperforms 46.94% of its industry peers.
HYQ had an Average Return On Invested Capital over the past 3 years of 3.07%. This is significantly below the industry average of 11.58%.
The 3 year average ROIC (3.07%) for HYQ is below the current ROIC(3.97%), indicating increased profibility in the last year.
| 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's Profit Margin of 2.67% is on the low side compared to the rest of the industry. HYQ is outperformed by 63.27% of its industry peers.
HYQ's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 3.94%, HYQ is not doing good in the industry: 69.39% of the companies in the same industry are doing better.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so HYQ 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
The debt/assets ratio for HYQ has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 3.49 indicates that HYQ is not in any danger for bankruptcy at the moment.
HYQ's Altman-Z score of 3.49 is fine compared to the rest of the industry. HYQ outperforms 67.35% 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's Debt to FCF ratio of 5.83 is in line compared to the rest of the industry. HYQ outperforms 57.14% of its industry peers.
A Debt/Equity ratio of 0.39 indicates that HYQ is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.39, HYQ perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.39 | ||
| Debt/FCF | 5.83 | ||
| Altman-Z | 3.49 |
ROIC/WACC0.62
WACC6.39%
2.3 Liquidity
A Current Ratio of 1.46 indicates that HYQ should not have too much problems paying its short term obligations.
HYQ's Current ratio of 1.46 is in line compared to the rest of the industry. HYQ outperforms 55.10% of its industry peers.
A Quick Ratio of 1.45 indicates that HYQ should not have too much problems paying its short term obligations.
HYQ has a better Quick ratio (1.45) than 61.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.45 |
3. Growth
3.1 Past
The earnings per share for HYQ have decreased strongly by -39.10% in the last year.
HYQ shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.81% yearly.
Looking at the last year, HYQ shows a very strong growth in Revenue. The Revenue has grown by 62.31%.
HYQ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.70% yearly.
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 15.65% 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 5Y15.65%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 55.14 indicates a quite expensive valuation of HYQ.
63.27% of the companies in the same industry are cheaper than HYQ, based on the Price/Earnings ratio.
HYQ's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.86.
HYQ is valuated quite expensively with a Price/Forward Earnings ratio of 26.28.
HYQ's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.32, HYQ is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 55.14 | ||
| Fwd PE | 26.28 |
4.2 Price Multiples
HYQ's Enterprise Value to EBITDA ratio is in line with the industry average.
HYQ's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.39 | ||
| EV/EBITDA | 16.93 |
4.3 Compensation for Growth
The 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)0.53
PEG (5Y)N/A
EPS Next 2Y82.31%
EPS Next 3Y64.06%
5. Dividend
5.1 Amount
HYQ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:HYQ (10/3/2025, 7:00:00 PM)
142.8
+2.4 (+1.71%)
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 Cap981.04M
Analysts78
Price Target266.95 (86.94%)
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)0%
PT rev (3m)-2.45%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.75%
EPS NY rev (3m)-5.65%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.19%
Revenue NY rev (3m)5.57%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 55.14 | ||
| Fwd PE | 26.28 | ||
| P/S | 1.51 | ||
| P/FCF | 33.39 | ||
| P/OCF | 17.14 | ||
| P/B | 2.68 | ||
| P/tB | 96.96 | ||
| EV/EBITDA | 16.93 |
EPS(TTM)2.59
EY1.81%
EPS(NY)5.43
Fwd EY3.81%
FCF(TTM)4.28
FCFY2.99%
OCF(TTM)8.33
OCFY5.84%
SpS94.26
BVpS53.22
TBVpS1.47
PEG (NY)0.53
PEG (5Y)N/A
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%
ROICexcg growth 3Y-25.39%
ROICexcg 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 | 3.49 |
F-Score5
WACC6.39%
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 5Y15.65%
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%