Hypoport SE (HYPOF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Hypoport SE $57.07, price $94.77, upside -39.8%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Hypoport SE
HYPOF · USStretched ValuationStrong overvaluation with only moderate quality.
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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 Oct 2, 2026.
How to read this chart
60‑month range $91.20 – $640.00 · fair‑value band $37.40 – $83.32 · the $94.77 price screens above the $57.07 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
Company profile
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 (HYPOF) currently trades at $94.77, while our model-based Fair Value estimate is $57.07, 39.8% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $75.04 per share, and 2 of the 11 models we run sit above the $94.77 price.
Bear case: the Asset-Based group reads lowest at $42.62, and 9 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: $37.40 (bear) to $83.32 (bull), the price of $94.77 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 56/100 (solid 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 €602M in FY2025 versus €446M in FY2021, a compound +7.8%/yr. Reported net income was €26.0M in FY2025, compounding −3.7%/yr from FY2021.
Key figures
Market cap $1.4B · P/E ratio 84.9 · P/S ratio 3.66 · EPS (TTM) $2.53 · Net margin 4.3% · Return on equity 7.5% · Return on assets (EBIT) 3.8% · Operating margin 6.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (medium confidence).
What moves the price
The share trades about 56% below its 52-week high and at 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 −40%, HYPOF screens richer than that median.
Fair Value models
All 11 models by family
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Set up alert →Quality Score breakdown
Of which business quality 54 · Market factors (momentum, volatility) 5
Revenue & earnings trend
Growth Forecast
HYPOF screens overvalued: fair value 40% below the price. Compare with Visa Inc →
Compare Hypoport SE with another stock
Price, fair value, quality and upside side by side.
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 · 330 stocks
Valuation Multiplesvs Credit Services median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.33 | $221.29 | −38% |
| Mastercard Incorporated MA | $551.47 | $359.54 | −35% |
| American Express Company AXP | $304.10 | $208.54 | −31% |
| Capital One Financial Corporation COF | $193.07 | $125.94 | −35% |
| Bajaj Finance Limited BAJFINANCE | ₹948.30 | ₹1,100 | +16% |
| PayPal Holdings PYPL | $53.06 | $104.12 | +96% |
| Shriram Finance Limited SHRIRAMFIN | ₹994.10 | ₹1,364 | +37% |
| Affirm Holdings AFRM | $67.21 | $73.93 | +10% |
| Synchrony Financial, SYF | $71.52 | $141.92 | +98% |
| SoFi Technologies, Inc SOFI | $15.72 | $5.53 | −65% |
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Key figures of Hypoport SE
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