HYPOPORT SE (HYQ.DE) Stock Fundamental Analysis
FRA:HYQ - DE0005493365 - Common Stock
136.4 EUR
-2 (-1.45%)
HYQ gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 46 industry peers in the Financial Services industry. HYQ has only an average score on both its financial health and profitability. While showing a medium growth rate, HYQ is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year HYQ was profitable.
HYQ had a positive operating cash flow in the past year.
HYQ had positive earnings in each of the past 5 years.
HYQ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
HYQ's Return On Assets of 2.14% is in line compared to the rest of the industry. HYQ outperforms 52.17% of its industry peers.
The Return On Equity of HYQ (4.13%) is comparable to the rest of the industry.
HYQ has a Return On Invested Capital of 3.20%. This is comparable to the rest of the industry: HYQ outperforms 47.83% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HYQ is significantly below the industry average of 10.94%.
The 3 year average ROIC (3.07%) for HYQ is below the current ROIC(3.20%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.14% | ||
| ROE | 4.13% | ||
| ROIC | 3.2% |
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 2.43% is on the low side compared to the rest of the industry. HYQ is outperformed by 63.04% of its industry peers.
In the last couple of years the Profit Margin of HYQ has declined.
The Operating Margin of HYQ (3.35%) is worse than 69.57% of its industry peers.
HYQ's Operating Margin has declined in the last couple of years.
HYQ has a Gross Margin (44.53%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of HYQ has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.35% | ||
| PM (TTM) | 2.43% | ||
| GM | 44.53% |
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.
HYQ has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, HYQ has an improved debt to assets ratio.
2.2 Solvency
HYQ has an Altman-Z score of 3.29. This indicates that HYQ is financially healthy and has little risk of bankruptcy at the moment.
HYQ has a better Altman-Z score (3.29) than 69.57% of its industry peers.
HYQ has a debt to FCF ratio of 5.29. This is a neutral value as HYQ would need 5.29 years to pay back of all of its debts.
HYQ's Debt to FCF ratio of 5.29 is fine compared to the rest of the industry. HYQ outperforms 63.04% of its industry peers.
HYQ has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
HYQ has a Debt to Equity ratio (0.41) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 5.29 | ||
| Altman-Z | 3.29 |
ROIC/WACC0.51
WACC6.33%
2.3 Liquidity
HYQ has a Current Ratio of 1.44. 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 Current ratio value of 1.44, HYQ perfoms like the industry average, outperforming 58.70% of the companies in the same industry.
HYQ has a Quick Ratio of 1.43. 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 1.43, HYQ is doing good in the industry, outperforming 60.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.43 |
3. Growth
3.1 Past
HYQ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.44%.
HYQ shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -13.81% yearly.
HYQ shows a strong growth in Revenue. In the last year, the Revenue has grown by 63.90%.
The Revenue has been growing by 10.70% on average over the past years. This is quite good.
EPS 1Y (TTM)-36.44%
EPS 3Y-27.1%
EPS 5Y-13.81%
EPS Q2Q%82.22%
Revenue 1Y (TTM)63.9%
Revenue growth 3Y7.9%
Revenue growth 5Y10.7%
Sales Q2Q%48.14%
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.
HYQ is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 15.65% yearly.
EPS Next Y112.92%
EPS Next 2Y84.16%
EPS Next 3Y64.06%
EPS Next 5YN/A
Revenue Next Year42.51%
Revenue Next 2Y25.59%
Revenue Next 3Y20.55%
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.
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
HYQ is valuated quite expensively with a Price/Earnings ratio of 61.17.
Based on the Price/Earnings ratio, HYQ is valued a bit more expensive than 67.39% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.02, HYQ is valued quite expensively.
A Price/Forward Earnings ratio of 24.60 indicates a rather expensive valuation of HYQ.
The rest of the industry has a similar Price/Forward Earnings ratio as HYQ.
When comparing the Price/Forward Earnings ratio of HYQ to the average of the S&P500 Index (22.66), we can say HYQ is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 61.17 | ||
| Fwd PE | 24.6 |
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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HYQ is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.98 | ||
| EV/EBITDA | 18.04 |
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.
HYQ's earnings are expected to grow with 64.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.54
PEG (5Y)N/A
EPS Next 2Y84.16%
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 (9/9/2025, 5:29:50 PM)
136.4
-2 (-1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners41.79%
Inst Owner ChangeN/A
Ins Owners32.63%
Ins Owner ChangeN/A
Market Cap937.07M
Analysts78
Price Target266.95 (95.71%)
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)-2.45%
PT rev (3m)-1.93%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-1.98%
EPS NY rev (3m)-1.98%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)5.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 61.17 | ||
| Fwd PE | 24.6 | ||
| P/S | 1.53 | ||
| P/FCF | 27.98 | ||
| P/OCF | 15.02 | ||
| P/B | 2.61 | ||
| P/tB | 208.61 | ||
| EV/EBITDA | 18.04 |
EPS(TTM)2.23
EY1.63%
EPS(NY)5.54
Fwd EY4.07%
FCF(TTM)4.87
FCFY3.57%
OCF(TTM)9.08
OCFY6.66%
SpS89.14
BVpS52.34
TBVpS0.65
PEG (NY)0.54
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.14% | ||
| ROE | 4.13% | ||
| ROCE | 3.88% | ||
| ROIC | 3.2% | ||
| ROICexc | 3.92% | ||
| ROICexgc | 22.17% | ||
| OM | 3.35% | ||
| PM (TTM) | 2.43% | ||
| GM | 44.53% | ||
| FCFM | 5.47% |
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 Turnover0.88
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 5.29 | ||
| Debt/EBITDA | 2.58 | ||
| Cap/Depr | 79.03% | ||
| Cap/Sales | 4.72% | ||
| Interest Coverage | 5.99 | ||
| Cash Conversion | 109.24% | ||
| Profit Quality | 225.37% | ||
| Current Ratio | 1.44 | ||
| Quick Ratio | 1.43 | ||
| Altman-Z | 3.29 |
F-Score5
WACC6.33%
ROIC/WACC0.51
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)-36.44%
EPS 3Y-27.1%
EPS 5Y-13.81%
EPS Q2Q%82.22%
EPS Next Y112.92%
EPS Next 2Y84.16%
EPS Next 3Y64.06%
EPS Next 5YN/A
Revenue 1Y (TTM)63.9%
Revenue growth 3Y7.9%
Revenue growth 5Y10.7%
Sales Q2Q%48.14%
Revenue Next Year42.51%
Revenue Next 2Y25.59%
Revenue Next 3Y20.55%
Revenue Next 5Y15.65%
EBIT growth 1Y20.56%
EBIT growth 3Y-30.27%
EBIT growth 5Y-13.58%
EBIT Next Year333.74%
EBIT Next 3Y87.37%
EBIT Next 5YN/A
FCF growth 1Y1652.43%
FCF growth 3Y-24.7%
FCF growth 5Y-9.58%
OCF growth 1Y94.87%
OCF growth 3Y-14.52%
OCF growth 5Y-2.76%