HYPOPORT SE (HYQ.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HYQ - DE0005493365 - Common Stock
100.6 EUR
-2.4 (-2.33%)
Overall HYQ gets a fundamental rating of 5 out of 10. We evaluated HYQ against 60 industry peers in the Financial Services industry. HYQ has only an average score on both its financial health and profitability. HYQ has a correct valuation and a medium 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.
- HYQ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- HYQ has a Return On Assets of 3.01%. This is in the better half of the industry: HYQ outperforms 63.33% of its industry peers.
- HYQ has a Return On Equity (5.55%) which is in line with its industry peers.
- HYQ has a Return On Invested Capital (4.57%) which is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for HYQ is significantly below the industry average of 10.51%.
- The 3 year average ROIC (3.07%) for HYQ is below the current ROIC(4.57%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.01% | ||
| ROE | 5.55% | ||
| ROIC | 4.57% |
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 of 2.99%. This is comparable to the rest of the industry: HYQ outperforms 43.33% of its industry peers.
- In the last couple of years the Profit Margin of HYQ has declined.
- HYQ has a Operating Margin of 4.25%. This is in the lower half of the industry: HYQ underperforms 66.67% of its industry peers.
- HYQ's Operating Margin has declined in the last couple of years.
- HYQ has a Gross Margin (42.14%) 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 | 4.25% | ||
| PM (TTM) | 2.99% | ||
| GM | 42.14% |
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.
- Compared to 1 year ago, HYQ has about the same amount of shares outstanding.
- The number of shares outstanding for HYQ has been increased compared to 5 years ago.
- The debt/assets ratio for HYQ has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 3.13 indicates that HYQ is not in any danger for bankruptcy at the moment.
- HYQ's Altman-Z score of 3.13 is fine compared to the rest of the industry. HYQ outperforms 73.33% of its industry peers.
- The Debt to FCF ratio of HYQ is 5.53, which is a neutral value as it means it would take HYQ, 5.53 years of fcf income to pay off all of its debts.
- HYQ has a better Debt to FCF ratio (5.53) than 66.67% of its industry peers.
- HYQ has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
- HYQ has a Debt to Equity ratio of 0.36. This is in the better half of the industry: HYQ outperforms 63.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.53 | ||
| Altman-Z | 3.13 |
ROIC/WACC0.71
WACC6.47%
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 58.33% of its industry peers.
- HYQ has a Quick Ratio of 1.45. This is a normal value and indicates that HYQ is financially healthy and should not expect problems in meeting its short term obligations.
- With a decent Quick ratio value of 1.45, HYQ is doing good in the industry, outperforming 63.33% of the companies in the same 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 -33.95%.
- The earnings per share for HYQ have been decreasing by -13.81% on average. This is quite bad
- The Revenue has grown by 61.87% in the past year. This is a very strong growth!
- 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)-33.95%
EPS 3Y-27.1%
EPS 5Y-13.81%
EPS Q2Q%181.48%
Revenue 1Y (TTM)61.87%
Revenue growth 3Y7.9%
Revenue growth 5Y10.7%
Sales Q2Q%35.04%
3.2 Future
- The Earnings Per Share is expected to grow by 61.37% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 16.11% on average over the next years. This is quite good.
EPS Next Y103.24%
EPS Next 2Y77.53%
EPS Next 3Y61.37%
EPS Next 5YN/A
Revenue Next Year38.23%
Revenue Next 2Y22.51%
Revenue Next 3Y18.29%
Revenue Next 5Y16.11%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 32.66, HYQ can be considered very expensive at the moment.
- The rest of the industry has a similar Price/Earnings ratio as HYQ.
- HYQ is valuated rather expensively when we compare the Price/Earnings ratio to 26.94, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 19.52, which indicates a rather expensive current valuation of HYQ.
- The rest of the industry has a similar Price/Forward Earnings ratio as HYQ.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.94, HYQ is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.66 | ||
| Fwd PE | 19.52 |
4.2 Price Multiples
- HYQ's Enterprise Value to EBITDA is on the same level as the industry average.
- HYQ's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.47 | ||
| EV/EBITDA | 12.02 |
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 61.37% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y77.53%
EPS Next 3Y61.37%
5. Dividend
5.1 Amount
- HYQ does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:HYQ (1/21/2026, 5:28:42 PM)
100.6
-2.4 (-2.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-10 2025-11-10
Earnings (Next)03-16 2026-03-16/amc
Inst Owners45.05%
Inst Owner ChangeN/A
Ins Owners32.63%
Ins Owner ChangeN/A
Market Cap691.12M
Revenue(TTM)687.47M
Net Income(TTM)20.57M
Analysts80
Price Target236.03 (134.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0.1%
PT rev (3m)-8.3%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.52%
EPS NY rev (3m)-0.83%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-2.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 32.66 | ||
| Fwd PE | 19.52 | ||
| P/S | 1.01 | ||
| P/FCF | 23.47 | ||
| P/OCF | 12.13 | ||
| P/B | 1.86 | ||
| P/tB | 46.98 | ||
| EV/EBITDA | 12.02 |
EPS(TTM)3.08
EY3.06%
EPS(NY)5.15
Fwd EY5.12%
FCF(TTM)4.29
FCFY4.26%
OCF(TTM)8.29
OCFY8.24%
SpS100.07
BVpS53.96
TBVpS2.14
PEG (NY)0.32
PEG (5Y)N/A
Graham Number61.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.01% | ||
| ROE | 5.55% | ||
| ROCE | 5.55% | ||
| ROIC | 4.57% | ||
| ROICexc | 5.36% | ||
| ROICexgc | 25.84% | ||
| OM | 4.25% | ||
| PM (TTM) | 2.99% | ||
| GM | 42.14% | ||
| FCFM | 4.28% |
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 Turnover1.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.53 | ||
| Debt/EBITDA | 2.02 | ||
| Cap/Depr | 74.83% | ||
| Cap/Sales | 4% | ||
| Interest Coverage | 9.89 | ||
| Cash Conversion | 86.34% | ||
| Profit Quality | 143.15% | ||
| Current Ratio | 1.46 | ||
| Quick Ratio | 1.45 | ||
| Altman-Z | 3.13 |
F-Score5
WACC6.47%
ROIC/WACC0.71
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)-33.95%
EPS 3Y-27.1%
EPS 5Y-13.81%
EPS Q2Q%181.48%
EPS Next Y103.24%
EPS Next 2Y77.53%
EPS Next 3Y61.37%
EPS Next 5YN/A
Revenue 1Y (TTM)61.87%
Revenue growth 3Y7.9%
Revenue growth 5Y10.7%
Sales Q2Q%35.04%
Revenue Next Year38.23%
Revenue Next 2Y22.51%
Revenue Next 3Y18.29%
Revenue Next 5Y16.11%
EBIT growth 1Y9.65%
EBIT growth 3Y-30.27%
EBIT growth 5Y-13.58%
EBIT Next Year311.71%
EBIT Next 3Y79.26%
EBIT Next 5Y66.23%
FCF growth 1Y247.21%
FCF growth 3Y-24.7%
FCF growth 5Y-9.58%
OCF growth 1Y402.37%
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 5 / 10 to HYQ.DE.
What is the valuation status for HYQ stock?
ChartMill assigns a valuation rating of 4 / 10 to HYPOPORT SE (HYQ.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for HYPOPORT SE?
HYPOPORT SE (HYQ.DE) has a profitability rating of 4 / 10.
Can you provide the financial health for HYQ stock?
The financial health rating of HYPOPORT SE (HYQ.DE) is 6 / 10.
What is the expected EPS growth for HYPOPORT SE (HYQ.DE) stock?
The Earnings per Share (EPS) of HYPOPORT SE (HYQ.DE) is expected to grow by 103.24% in the next year.