Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Hypoport AGXSWX:HYQ 66 Cash Ratio is 0.58 as of Jun. 2026, which is 7% above its 10-year median of 0.54. GuruFocus rates XSWX:HYQ with a GF Score™ of 66/100 and a GF Value™ of CHF201.60. The stock has 4 warning signs investors should review. Among 391 Credit Services companies, Hypoport AG ranks better than 50.13% on this metric.
Hypoport AG has a Cash Ratio of 0.58. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Hypoport AG's Cash Ratio or its related term are showing as below:
XSWX:HYQ'
s Cash Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.54 Max: 0.92
Current: 0.58
During the past 13 years, Hypoport AG's highest Cash Ratio was 0.92. The lowest was 0.22. And the median was 0.54.
XSWX:HYQ's Cash Ratio is ranked better than 50.13% of 391
companies
in the Credit Services industry
Industry Median: 0.58
vs XSWX:HYQ: 0.58
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Hypoport AG Cash Ratio Related Terms
Hypoport AG Cash Ratio Historical Data
* Premium members only.
The historical data trend for Hypoport AG's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Hypoport AG's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hypoport AG Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hypoport AG's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Hypoport AG's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hypoport AG (XSWX:HYQ) has a Cash Ratio of 0.58 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Hypoport AG and its competitors. This is near median its historical median of 0.54. Over the past decade, Hypoport AG's Cash Ratio has ranged from 0.22 to 0.92. According to the industry distribution chart, Hypoport AG ranks #195 out of 391 companies in the Credit Services industry, placing it in the top 49.9%.
Is Hypoport AG's Cash Ratio too high?
Hypoport AG's current Cash Ratio of 0.58 is near median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.92. The Credit Services industry median Cash Ratio is 0.58. Hypoport AG's value of 0.58 is 0% at this industry median. Based on the distribution chart, Hypoport AG ranks #195 out of 391 companies in the Credit Services industry, which is above the industry midpoint. Overall, Hypoport AG has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Hypoport AG's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Hypoport AG ranks #195 out of 391 companies for Cash Ratio. This puts Hypoport AG in the upper half of its industry. The industry median Cash Ratio is 0.58. Hypoport AG's value of 0.58 is 0% at this benchmark. Historically, Hypoport AG's own Cash Ratio has ranged from 0.22 to 0.92 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.58, Hypoport AG has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.58, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hypoport AG's current Cash Ratio of 0.58 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Hypoport AG and its competitors. For the Credit Services industry, the median Cash Ratio is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypoport AG's current Cash Ratio is 0.58, which is near median its own 10-year median of 0.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypoport AG stock overvalued right now?
Hypoport AG (XSWX:HYQ) has a current Cash Ratio of 0.58. The stock's GF Value™ is CHF201.60, compared to a current price of CHF79.75 — trading 60.4% below its estimated fair value. The current Cash Ratio is 0.58, which is near median its 10-year median of 0.54 and 0% at the Credit Services industry median of 0.58. Hypoport AG's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Hypoport AG (XSWX:HYQ), the current Cash Ratio is 0.58 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hypoport AG (XSWX:HYQ) Overvalued in 2026?
Based on GuruFocus' analysis, Hypoport AG stock appears to be undervalued.
The current stock price of CHF79.75 is trading 60.4% below its estimated GF Value™ of CHF201.60.
Key valuation signals for XSWX:HYQ:
Cash Ratio: 0.58 (near median its 10-year median of 0.54)
GF Value™: CHF201.60 vs. price of CHF79.75 (60.4% below fair value)
Industry Position: 0% at the Credit Services median (#195 of 391)
No single metric tells the full story. See the XSWX:HYQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hypoport AG operates as a technology-based financial service provider in Germany. The company is engaged in the development, operation, and marketing of B2B technology platforms - that is, internet-based digital infrastructures that connect two or more companies without a direct business relationship with end customers for the credit, housing & insurance industries (fintech, proptech, insurtech). The Business segments of the group are divided into Real Estate & Mortgage Platforms, Insurance Platforms, & Financing Platforms. The company generates the majority of its revenue from the Real Estate & Mortgage Platforms segment. The Real Estate & Mortgage Platforms segment is involved in the development of technology platforms for brokering, financing, & valuing private residential properties.
66GF Score
Get the complete analysis for XSWX:HYQ
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XSWX:HYQ has been successfully added to your 
