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Hypoport SE (HYQ) Fair Value & Analysis

Financial Services · DE · Market cap €579M

HS Hypoport SE HYQ · XETRA
Price€83.40
Fair Value€50.79
Upside-39.1%
Quality94/100
Evidence: High Range €38.09 – €63.49

Fair value as of: Jun 26, 2026

From 24 valuation models · updated 4 days ago

Fair value updated Jun 26, 2026 — revised from €58.07 to €50.79 (−12.5%) since Jun 24, 2026. Share price −3.6% over the past month.

Price vs Fair Value (12 months)

€215.47 €70.06 Fair Value €50.79 Jul 2025 Jun 2026

12‑month range €70.06 – €215.47 · fair‑value band €38.09 – €63.49 · the €83.40 price screens above the €50.79 fair value. As of Jun 26, 2026.

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Analysis

Hypoport SE (HYQ) currently trades at €83.40, while our model-based Fair Value estimate is €50.79 — implying the stock looks roughly 39.1% overvalued today. We read business quality at 94/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, Hypoport SE generated revenue of €613M at a net margin of 4.6%. Revenue grew 6.3% year over year. It earns a return on equity of 7.5%. Net debt stands at €84.4M. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) €613M
Revenue growth (YoY) +6.3%
Net margin 4.6%
Return on equity 7.5%
Free cash flow €21.6M FY2025
P/E ratio 20.6
More key figures
Operating margin 6.9%
EPS (TTM) €4.23
EPS growth (YoY) +43.9%
Net debt €84.4M FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

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 insuran…

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Hypoport SE reported revenue of €603M in FY2025 versus €446M in FY2021, a compound +7.8%/yr. Reported net income was €26.0M in FY2025, compounding −3.6%/yr from FY2021.

Revenue +7.8%/yr
FY21 €446M
FY22 €456M
FY23 €494M
FY24 €561M
FY25 €603M
Net income −3.6%/yr
FY21 €30.2M
FY22 €18.7M
FY23 €20.5M
FY24 €12.4M
FY25 €26.0M

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6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

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American Express Company AXP C$28.87 C$23.85 -17%
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Frequently asked questions

Is Hypoport SE (HYQ) undervalued?
As of Jun 26, 2026, our model estimates a fair value of €50.79 versus a price of €83.40 — about −39% (overvalued). Model-based estimate, not financial advice.
What is the fair value of HYQ?
Our 21-model fair value for Hypoport SE is €50.79 (as of Jun 26, 2026), built from audited fundamentals. The current price is €83.40.
What is the quality score of HYQ?
Hypoport SE has a Quality Score of 94/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Hypoport SE (HYQ)?
Hypoport SE reported trailing-twelve-month revenue of about €613M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of HYQ?
The net profit margin of Hypoport SE is about 4.6%, meaning it keeps roughly 4.6% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.