HYPOPORT SE (HYQ.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:HYQ - DE0005493365 - Common Stock
125 EUR
-1.4 (-1.11%)
HYQ gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals 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 decent growth rate and is not valued too expensively.
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.
- Each year in the past 5 years HYQ had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of HYQ (3.01%) is better than 63.33% of its industry peers.
- The Return On Equity of HYQ (5.55%) is comparable to the rest of the industry.
- Looking at the Return On Invested Capital, with a value of 4.57%, HYQ is in line with its industry, outperforming 58.33% of the companies in the same 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
- Looking at the Profit Margin, with a value of 2.99%, HYQ is in line with its industry, outperforming 43.33% of the companies in the same industry.
- HYQ's Profit Margin has declined in the last couple of years.
- With a Operating Margin value of 4.25%, HYQ is not doing good in the industry: 66.67% 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 (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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), HYQ is destroying value.
- Compared to 1 year ago, HYQ has about the same amount of shares outstanding.
- 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 3.44 indicates that HYQ is not in any danger for bankruptcy at the moment.
- The Altman-Z score of HYQ (3.44) is better than 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 better Debt to Equity ratio (0.36) than 63.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.53 | ||
| Altman-Z | 3.44 |
ROIC/WACC0.7
WACC6.53%
2.3 Liquidity
- HYQ has a Current Ratio of 1.46. 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 1.46, HYQ perfoms like the industry average, outperforming 58.33% of the companies in the same industry.
- 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.
- HYQ has a Quick ratio of 1.45. This is in the better half of the industry: HYQ outperforms 63.33% 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 -33.95% 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.
- 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
- HYQ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 61.37% yearly.
- Based on estimates for the next years, HYQ will show a quite strong growth in Revenue. The Revenue will grow by 16.11% on average per year.
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.
- 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 40.58 indicates a quite expensive valuation of HYQ.
- HYQ's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 27.38. HYQ is valued slightly more expensive when compared to this.
- A Price/Forward Earnings ratio of 24.26 indicates a rather expensive valuation of HYQ.
- The rest of the industry has a similar Price/Forward Earnings ratio as HYQ.
- HYQ's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.58 | ||
| Fwd PE | 24.26 |
4.2 Price Multiples
- HYQ's Enterprise Value to EBITDA ratio is in line with the industry average.
- 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 | 29.16 | ||
| EV/EBITDA | 14.46 |
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 61.37% in the coming years.
PEG (NY)0.39
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 (1/19/2026, 1:00:01 PM)
125
-1.4 (-1.11%)
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 Cap858.75M
Revenue(TTM)687.47M
Net Income(TTM)20.57M
Analysts80
Price Target236.03 (88.82%)
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 | 40.58 | ||
| Fwd PE | 24.26 | ||
| P/S | 1.25 | ||
| P/FCF | 29.16 | ||
| P/OCF | 15.07 | ||
| P/B | 2.32 | ||
| P/tB | 58.37 | ||
| EV/EBITDA | 14.46 |
EPS(TTM)3.08
EY2.46%
EPS(NY)5.15
Fwd EY4.12%
FCF(TTM)4.29
FCFY3.43%
OCF(TTM)8.29
OCFY6.63%
SpS100.07
BVpS53.96
TBVpS2.14
PEG (NY)0.39
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 | 3.44 |
F-Score5
WACC6.53%
ROIC/WACC0.7
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 5 / 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.