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Hypoport SE (HYQ.DE)
Berlin, DE
Hypoport SE, established in 1954 and headquartered in Lübeck, Germany, functions as a technology-driven financial services provider. Its extensive operations are structured across four primary divisions: Credit, Private Clients, Real Estate, and Insurance Platforms. The company is notably behind EUROPACE, a key marketplace that empowers independent distributors to efficiently manage and process financing transactions with numerous product suppliers. For individual consumers, Hypoport offers a comprehensive range of financial products, including mortgage and personal loans, insurance solutions, and current and deposit accounts, which are accessible through both online platforms and traditional branch networks. Beyond retail services, Hypoport caters to business clients by providing tailored advice and solutions in areas such as financial and portfolio management, alongside various insurance offerings. It also develops specialized software like PRoMMiSe, designed to assist banks with the analysis and reporting of securitized or collateralized loan portfolios. Furthermore, the company delivers Software-as-a-Service (SaaS) solutions to banks and housing associations, provides property valuation expertise, and supplies essential information technology and support services to issuers. Within its insurance segment, Hypoport engineers and maintains software for the sale and administration of insurance products. It also operates SMART INSUR, a web-based business-to-business (B2B) platform dedicated to facilitating insurance advice, tariff comparisons, and policy management. Additionally, the company provides vital support services to small and medium-sized financial product distributors engaged in insurance brokerage.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.06% | -2.35% | -2.29% | -8.14% | -29.84% | -37.50% | -60.89% | -44.79% | -81.99% | +1.76% | +361.99% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 3 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+7.5% Q1'26: +6.3% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+109.2% ★ Q1'26: +43.9% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+4.0% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+5.8% Q1'26: +7.1% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+6.4% ★
-
Share dilution Financial - Credit Services: +0.0%+0.5% Q1'26: -1.3% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×2.53× ★ Q1'26: 2.16× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 2 EPS Ana. |
Dec 2027 4 Rev. Ana. 3 EPS Ana. |
Dec 2028 3 Rev. Ana. 2 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
84.74M
est: 82.57M (+2.6%)
|
87.98M
est: 90.02M (-2.3%)
|
98.21M
est: 101.67M (-3.4%)
|
112.44M
est: 112.73M (-0.3%)
|
139.37M
est: 137.95M (+1.0%)
|
156.83M
est: 155.84M (+0.6%)
|
195.07M
est: 194.31M (+0.4%)
|
266.52M
est: 263.16M (+1.3%)
|
337.63M
est: 338.78M (-0.3%)
|
387.70M
est: 395.95M (-2.1%)
|
446.30M
est: 448.16M (-0.4%)
|
455.50M
est: 459.52M (-0.9%)
|
493.89M
est: 398.98M (+23.8%)
|
560.68M
est: 454.12M (+23.5%)
|
602.60M
est: 551.09M (+9.3%)
|
659.42M
643.15M – 670.82M
+19.7% YoY
|
722.84M
653.13M – 786.54M
+9.6% YoY
|
777.00M
774.74M – 779.26M
+7.5% YoY
|
592.00M
555.06M – 624.28M
-23.8% YoY
|
435.40M
408.23M – 459.14M
-26.5% YoY
|
| EBITDA |
12.28M
est: 10.41M (+17.9%)
|
9.91M
est: 10.34M (-4.1%)
|
8.24M
est: 5.91M (+39.4%)
|
12.84M
est: 6.97M (+84.0%)
|
25.44M
est: 13.43M (+89.4%)
|
28.55M
est: 29.37M (-2.8%)
|
30.68M
est: 34.48M (-11.0%)
|
39.28M
est: 39.75M (-1.2%)
|
52.72M
est: 47.33M (+11.4%)
|
64.04M
est: 58.73M (+9.0%)
|
77.25M
est: 67.59M (+14.3%)
|
57.88M
est: 79.26M (-27.0%)
|
53.90M
est: 49.86M (+8.1%)
|
56.04M
est: 56.68M (-1.1%)
|
69.67M
est: 68.87M (+1.2%)
|
82.41M
80.38M – 83.83M
+19.7% YoY
|
90.34M
81.62M – 98.30M
+9.6% YoY
|
97.10M
96.82M – 97.39M
+7.5% YoY
|
73.98M
69.37M – 78.02M
-23.8% YoY
|
54.41M
51.02M – 57.38M
-26.5% YoY
|
| EBIT |
7.10M
est: 8.31M (-14.6%)
|
3.38M
est: 6.43M (-47.5%)
|
4.06M
est: 3.61M (+12.3%)
|
8.07M
est: 4.44M (+82.0%)
|
19.63M
est: 9.42M (+108.4%)
|
23.46M
est: 22.83M (+2.8%)
|
23.87M
est: 29.15M (-18.1%)
|
29.49M
est: 31.45M (-6.2%)
|
33.51M
est: 37.70M (-11.1%)
|
36.43M
est: 39.51M (-7.8%)
|
47.83M
est: 45.47M (+5.2%)
|
24.84M
est: 53.32M (-53.4%)
|
16.02M
est: 22.88M (-30.0%)
|
19.56M
est: 26.00M (-24.8%)
|
34.77M
est: 31.60M (+10.0%)
|
37.81M
36.88M – 38.46M
+19.7% YoY
|
41.45M
37.45M – 45.10M
+9.6% YoY
|
44.55M
44.42M – 44.68M
+7.5% YoY
|
33.94M
31.83M – 35.79M
-23.8% YoY
|
24.96M
23.41M – 26.33M
-26.5% YoY
|
| Net Income |
3.72M
est: 4.28M (-13.2%)
|
-825.0K
est: 4.03M (-120.5%)
|
3.15M
est: -903.5K (+448.5%)
|
5.92M
est: 3.44M (+72.2%)
|
15.87M
est: 7.02M (+126.0%)
|
18.04M
est: 18.82M (-4.1%)
|
18.42M
est: 22.63M (-18.6%)
|
22.47M
est: 24.85M (-9.6%)
|
24.38M
est: 28.92M (-15.7%)
|
27.27M
est: 29.19M (-6.6%)
|
30.16M
est: 33.59M (-10.2%)
|
18.69M
est: -6.22M (+400.5%)
|
20.47M
est: 27.68M (-26.0%)
|
12.41M
est: 10.53M (+17.8%)
|
26.00M
est: 22.31M (+16.5%)
|
31.36M
28.12M – 33.31M
+40.5% YoY
|
46.28M
34.02M – 54.11M
+47.6% YoY
|
51.18M
48.71M – 52.80M
+10.6% YoY
|
57.57M
52.90M – 61.65M
+12.5% YoY
|
—
— – —
-100.0% YoY
|
| SGA |
5.47M
est: 45.70M (-88.0%)
|
6.46M
est: 41.76M (-84.5%)
|
7.96M
est: 47.55M (-83.3%)
|
7.70M
est: 52.56M (-85.3%)
|
8.50M
est: 58.33M (-85.4%)
|
11.55M
est: 62.73M (-81.6%)
|
14.24M
est: 81.48M (-82.5%)
|
19.14M
est: 111.22M (-82.8%)
|
27.01M
est: 145.67M (-81.5%)
|
24.59M
est: 174.19M (-85.9%)
|
28.28M
est: 200.48M (-85.9%)
|
40.29M
est: 235.09M (-82.9%)
|
32.01M
est: 26.61M (+20.3%)
|
34.00M
est: 330.75M (-89.7%)
|
33.91M
est: 36.76M (-7.8%)
|
43.99M
42.90M – 44.75M
+19.7% YoY
|
48.22M
43.57M – 52.47M
+9.6% YoY
|
51.83M
51.68M – 51.98M
+7.5% YoY
|
39.49M
37.03M – 41.64M
-23.8% YoY
|
29.04M
27.23M – 30.63M
-26.5% YoY
|
| EPS |
0.60
est: 0.63 (-5.0%)
|
-0.13
est: 0.35 (-137.6%)
|
0.51
est: 0.54 (-5.9%)
|
0.96
est: 0.93 (+2.9%)
|
2.61
est: 2.58 (+1.0%)
|
3.00
est: 3.05 (-1.6%)
|
3.10
est: 3.21 (-3.4%)
|
3.66
est: 3.75 (-2.5%)
|
3.90
est: 4.26 (-8.5%)
|
4.33
est: 4.26 (+1.5%)
|
4.79
est: 5.44 (-11.9%)
|
2.96
est: 1.98 (+49.7%)
|
3.02
est: 4.14 (-27.0%)
|
1.85
est: 1.57 (+17.5%)
|
3.87
est: 3.34 (+15.9%)
|
4.62
4.19 – 4.96
+38.3% YoY
|
6.13
5.06 – 8.05
+32.7% YoY
|
7.56
7.25 – 7.86
+23.3% YoY
|
8.57
7.87 – 9.18
+13.4% YoY
|
—
— – —
-100.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B- | 2/5 | 3/5 | 2/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-08 | B- | 2/5 | 3/5 | 2/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-07 | B- | 2/5 | 3/5 | 2/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-06 | B- | 2/5 | 3/5 | 2/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-05 | B- | 2/5 | 3/5 | 2/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-05-04 | B- | 2/5 | 3/5 | 2/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-30 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-29 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-28 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-27 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-24 | B- | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 1/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 1/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Amundi SDAX UCITS ETF Dist C005.DE | 0.97% | 1.74M | 0.70% |
| 2 | Global X - FinTech ETF FINX | 0.12% | 211.5K | 0.68% |
| 3 | UBS MSCI EMU Small Cap UCITS ETF EUR dis UEFD.DE | 0.07% | 488.4K | 0.33% |
| 4 | iShares MSCI EMU Small Cap UCITS ETF CES1.L | 0.06% | 644.5K | 0.58% |
| 5 | Amundi MSCI EMU Small Cap ESG Broad Transition UCITS ETF Dist MMS.PA | 0.06% | 424.1K | 0.40% |
| 6 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Acc CEM.PA | 0.04% | 153.7K | 0.23% |
| 7 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Dist X026.DE | 0.04% | 153.7K | 0.23% |
| 8 | iShares MSCI Europe Small-Cap ETF IEUS | 0.03% | 45.7K | 0.41% |
| 9 | State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE | 0.03% | 197.6K | 0.30% |
| 10 | Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L | 0.02% | 850.7K | 0.30% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Stephan Gawarecki | Member of the Management Board | 671.0K | male |
| Ronald Slabke | Co-Founder, Chairman of the Management Board & Chief Executive Officer | 666.0K | male |
| Thomas Kretschmar | Co-Founder | 13.0K | — |
| Christian Wurdemann | Head of Communications, Human Resources & Legal | — | — |
| Jan H. Pahl | Head of Investor Relations | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for HYQ.DE
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
