HEIDELBERGER BETEILIGUNDSHOL (IPOK.DE) Stock Fundamental Analysis
Europe - FRA:IPOK - DE000A254294 - Common Stock
84.5 EUR
-2 (-2.31%)
We assign a fundamental rating of 6 out of 10 to IPOK. IPOK was compared to 110 industry peers in the Capital Markets industry. Both the health and profitability get an excellent rating, making IPOK a very profitable company, without any liquidiy or solvency issues. IPOK has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year IPOK was profitable.
IPOK had a positive operating cash flow in the past year.
In multiple years IPOK reported negative net income over the last 5 years.
In the past 5 years IPOK reported 4 times negative operating cash flow.
1.2 Ratios
The Return On Assets of IPOK (64.88%) is better than 100.00% of its industry peers.
Looking at the Return On Equity, with a value of 66.64%, IPOK belongs to the top of the industry, outperforming 99.09% of the companies in the same industry.
The Return On Invested Capital of IPOK (54.78%) is better than 100.00% of its industry peers.
IPOK had an Average Return On Invested Capital over the past 3 years of 35.90%. This is significantly above the industry average of 8.35%.
The 3 year average ROIC (35.90%) for IPOK is below the current ROIC(54.78%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 64.88% | ||
| ROE | 66.64% | ||
| ROIC | 54.78% |
ROA(3y)-4.82%
ROA(5y)-3.3%
ROE(3y)-4.98%
ROE(5y)-3.51%
ROIC(3y)35.9%
ROIC(5y)28.13%
1.3 Margins
IPOK has a better Profit Margin (76.63%) than 94.55% of its industry peers.
IPOK's Profit Margin has declined in the last couple of years.
IPOK has a better Operating Margin (91.83%) than 97.27% of its industry peers.
In the last couple of years the Operating Margin of IPOK has remained more or less at the same level.
With an excellent Gross Margin value of 82.23%, IPOK belongs to the best of the industry, outperforming 83.64% of the companies in the same industry.
In the last couple of years the Gross Margin of IPOK has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 91.83% | ||
| PM (TTM) | 76.63% | ||
| GM | 82.23% |
OM growth 3Y-0.28%
OM growth 5Y0.43%
PM growth 3Y33.6%
PM growth 5Y-2.2%
GM growth 3Y0.01%
GM growth 5Y0.17%
2. Health
2.1 Basic Checks
IPOK has about the same amout of shares outstanding than it did 1 year ago.
IPOK has more shares outstanding than it did 5 years ago.
IPOK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
IPOK has an Altman-Z score of 53.20. This indicates that IPOK is financially healthy and has little risk of bankruptcy at the moment.
IPOK has a Altman-Z score of 53.20. This is amongst the best in the industry. IPOK outperforms 98.18% of its industry peers.
IPOK has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 53.2 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 123.63 indicates that IPOK has no problem at all paying its short term obligations.
The Current ratio of IPOK (123.63) is better than 99.09% of its industry peers.
A Quick Ratio of 123.63 indicates that IPOK has no problem at all paying its short term obligations.
IPOK has a Quick ratio of 123.63. This is amongst the best in the industry. IPOK outperforms 99.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 123.63 | ||
| Quick Ratio | 123.63 |
3. Growth
3.1 Past
IPOK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 513.32%, which is quite impressive.
IPOK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.47% yearly.
Looking at the last year, IPOK shows a very strong growth in Revenue. The Revenue has grown by 213.04%.
The Revenue has been growing slightly by 0.30% on average over the past years.
EPS 1Y (TTM)513.32%
EPS 3Y16.46%
EPS 5Y-1.47%
EPS Q2Q%354.01%
Revenue 1Y (TTM)213.04%
Revenue growth 3Y-12.83%
Revenue growth 5Y0.3%
Sales Q2Q%295.87%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 3.33, the valuation of IPOK can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of IPOK indicates a rather cheap valuation: IPOK is cheaper than 98.18% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of IPOK to the average of the S&P500 Index (27.41), we can say IPOK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.33 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of IPOK indicates a rather cheap valuation: IPOK is cheaper than 95.45% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of IPOK indicates a rather cheap valuation: IPOK is cheaper than 87.27% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.6 | ||
| EV/EBITDA | 2.17 |
4.3 Compensation for Growth
The decent profitability rating of IPOK may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
IPOK has a Yearly Dividend Yield of 76.53%, which is a nice return.
In the last 3 months the price of IPOK has falen by -23.18%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 6.15, IPOK pays a better dividend. On top of this IPOK pays more dividend than 99.09% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, IPOK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 76.53% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
FRA:IPOK (9/22/2025, 7:00:00 PM)
84.5
-2 (-2.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners5.35%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap22.82M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 76.53% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.33 | ||
| Fwd PE | N/A | ||
| P/S | 2.57 | ||
| P/FCF | 7.6 | ||
| P/OCF | 7.6 | ||
| P/B | 2.24 | ||
| P/tB | 2.24 | ||
| EV/EBITDA | 2.17 |
EPS(TTM)25.34
EY29.99%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)11.12
FCFY13.16%
OCF(TTM)11.12
OCFY13.16%
SpS32.86
BVpS37.79
TBVpS37.79
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 64.88% | ||
| ROE | 66.64% | ||
| ROCE | 77.81% | ||
| ROIC | 54.78% | ||
| ROICexc | 59.81% | ||
| ROICexgc | 59.81% | ||
| OM | 91.83% | ||
| PM (TTM) | 76.63% | ||
| GM | 82.23% | ||
| FCFM | 33.83% |
ROA(3y)-4.82%
ROA(5y)-3.3%
ROE(3y)-4.98%
ROE(5y)-3.51%
ROIC(3y)35.9%
ROIC(5y)28.13%
ROICexc(3y)173.66%
ROICexc(5y)120.82%
ROICexgc(3y)173.72%
ROICexgc(5y)120.85%
ROCE(3y)50.99%
ROCE(5y)39.96%
ROICexcg growth 3Y-21.36%
ROICexcg growth 5Y-3.29%
ROICexc growth 3Y-21.36%
ROICexc growth 5Y-3.29%
OM growth 3Y-0.28%
OM growth 5Y0.43%
PM growth 3Y33.6%
PM growth 5Y-2.2%
GM growth 3Y0.01%
GM growth 5Y0.17%
F-Score5
Asset Turnover0.85
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 30.42% | ||
| Profit Quality | 44.15% | ||
| Current Ratio | 123.63 | ||
| Quick Ratio | 123.63 | ||
| Altman-Z | 53.2 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)513.32%
EPS 3Y16.46%
EPS 5Y-1.47%
EPS Q2Q%354.01%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)213.04%
Revenue growth 3Y-12.83%
Revenue growth 5Y0.3%
Sales Q2Q%295.87%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y160.76%
EBIT growth 3Y-13.08%
EBIT growth 5Y0.73%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-159.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-159.05%
OCF growth 3YN/A
OCF growth 5YN/A