Hypoport SE (0JVS) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Hypoport SE €19.73, price €68.75, upside -71.3%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range €67.63 – €603.00 · fair‑value band €9.13 – €33.52 · the €68.75 price screens above the €19.73 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Hypoport SE develops, operates, and markets technology platforms for the credit, housing, and insurance industries in Germany. The company operates through three segments: Real Estate & Mortgage Platforms, Financing Platforms, and Insurance Platforms.
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Hypoport SE develops, operates, and markets technology platforms for the credit, housing, and insurance industries in Germany. The company operates through three segments: Real Estate & Mortgage Platforms, Financing Platforms, and Insurance Platforms. The Real Estate & Mortgage Platforms segment is involved in the development of technology platforms for brokering, financing, and valuing private residential properties. The Financing Platforms segment provides finance products outside the mortgage finance sector, including housing industry, corporate finance, and personal loans. The Insurance Platforms segment develops platforms for insurance distributors in the markets for tariff based retail and small commercial insurance, industrial insurance and occupational insurance. It also operates Europace, an internet based B2B marketplace for the sale of personal loan products and payment protection policies to private clients; Smart Insur platform for the sale and administration of insurance products with variable prices; and Corify and ePension B2B platforms for the administration of industrial insurance, health and occupational pension insurance. Hypoport SE was founded in 1954 and is based in Berlin, Germany.
Stock analysis
Hypoport SE (0JVS) currently trades at €68.75, while our model-based Fair Value estimate is €19.73, 71.3% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of €22.02 per share, and 0 of the 10 models we run sit above the €68.75 price.
Bear case: the Asset-Based group reads lowest at €4.18, and 10 of the 10 models stay below the price. Evidence for this calculation is low.
Scenario range: €9.13 (bear) to €33.52 (bull), the price of €68.75 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Hypoport SE reported revenue of €388M in FY2020 versus €157M in FY2016, a compound +25.4%/yr. Reported net income was €27.3M in FY2020, compounding +10.9%/yr from FY2016.
Key figures
Market cap €2.4B · P/S ratio 3.97 · Net margin 7.0% · Return on equity 7.5% · Return on assets (EBIT) 12.4% · Operating margin 6.9% · Revenue (TTM) €613M · Revenue growth (YoY) +6.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 56% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −71%, 0JVS screens richer than that median.
Fair Value models
Bear €9.13Fair Value €19.73Bull €33.52
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.8%
’16
’17
’18
’19
’20
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
14.8% (2016) → 9.3% (2020)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 328 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score47 · Below median
Fair Value upside−77.7% · Bottom 25%
Profitability
Return on equity (TTM)7.5% · Below median
Return on assets3.1% · Above median
Net margin (TTM)4.6% · Bottom 25%
Operating margin (TTM)6.9% · Bottom 25%
Growth and dividend
Revenue growth6.3% · Below median
Balance sheet
Debt / equity0.43× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Hypoport SE Fair Value". https://www.fairvalue-calculator.com/stock/0JVS
Frequently asked questions
Is Hypoport SE (0JVS) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €19.73 versus a price of €68.75, about −71% upside (overvalued).
What is the fair value of 0JVS?
Our model-based fair value for Hypoport SE is €19.73 (as of Sep 24, 2026), built from audited fundamentals. The current price: €68.75.
What is the quality score of 0JVS?
Hypoport SE has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Hypoport SE (0JVS)?
Our model-based price target is the fair value of €19.73 (as of Sep 24, 2026) from 10 valuation models. Cautious scenario €9.13, optimistic scenario €33.52. It is a calculation from audited fundamentals, not an analyst target.
What is the Hypoport SE stock forecast for 2026?
Our models put fair value at €19.73, about −71% upside versus a price of €68.75 (overvalued). Cautious scenario €9.13, optimistic scenario €33.52. The calculation is refreshed regularly with new filings.
What is the revenue of Hypoport SE (0JVS)?
Hypoport SE reported trailing-twelve-month revenue of about €613M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Hypoport SE (0JVS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hypoport SE it is €19.73 per share (as of Sep 24, 2026), against a price of €68.75. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Hypoport SE stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0JVS trades above its calculated fair value: price €68.75, fair value €19.73, a gap of about −71% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0JVS?
No. The price is what the market pays today (€68.75); the fair value is what the company's own numbers justify (€19.73). For Hypoport SE the two are €49.02 per share apart. That gap is exactly why we show both numbers side by side.
How much is Hypoport SE worth?
The market values Hypoport SE at about €2.4B (market capitalisation, as of Sep 24, 2026). Per share that is €68.75; our models calculate a fair value of €19.73 per share.
What do the bullish and bearish scenarios say about 0JVS?
Our models span a range for Hypoport SE: cautious scenario €9.13, base €19.73, optimistic €33.52 per share (as of Sep 24, 2026, price €68.75). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Hypoport SE (0JVS)?
Balance-sheet figures for Hypoport SE (as of Sep 24, 2026): return on equity 7.5%, debt of 0.43 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 0JVS from its 52-week high?
Hypoport SE trades at €68.75, about 56% below its 52-week high of €155.40 and 2% above the low of €67.63 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of €19.73 is for.
Which stocks are comparable to Hypoport SE?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Hypoport SE stock attractive at the current price?
The data as of Sep 24, 2026: price €68.75, calculated fair value €19.73 (−71%), Quality Score 50/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0JVS calculated?
We run Hypoport SE through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €19.73, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Hypoport SE itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Hypoport SE (0JVS)?
The closing price on Oct 2, 2026 was €68.75. Our model-based fair value is €19.73, about −71% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hypoport SE right now?
The price sits above even our optimistic bull case (€33.52). The favourable scenario is already priced in. The model range is unusually wide (€9.13 to €33.52). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder.
Key figures of Hypoport SE
How large is the market capitalisation of Hypoport SE (0JVS)?
The market capitalisation of Hypoport SE is €2.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Hypoport SE (0JVS)?
The price-to-sales ratio of Hypoport SE is 3.97 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Hypoport SE (0JVS)?
The net margin of Hypoport SE is 7.0% (fiscal year 2020). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Hypoport SE (0JVS)?
The return on equity (ROE) of Hypoport SE is 7.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Hypoport SE (0JVS)?
On an EBIT basis the return on assets of Hypoport SE is 12.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Hypoport SE (0JVS)?
The operating margin of Hypoport SE is 6.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hypoport SE (0JVS)?
Revenue at Hypoport SE is growing +6.3% versus a year earlier (3y avg +25.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Hypoport SE (0JVS)?
Earnings per share at Hypoport SE are growing +43.9% versus a year earlier. How much earnings per share grew versus a year earlier.
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