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Hypoport AGXSWX:HYQ +1.72%66 Debt-to-EBITDA is 0.56 as of Mar. 2026, which is 76% below its 10-year median of 2.35. GuruFocus rates XSWX:HYQ with a GF Score™ of 66/100 and a GF Value™ of CHF194.40. The stock has 4 warning signs investors should review. Among 284 Credit Services companies, Hypoport AG ranks better than 89.08% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Hypoport AG's Debt-to-EBITDA or its related term are showing as below:
XSWX:HYQ'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.38 Med: 2.35 Max: 3.41
Current: 0.64
During the past 13 years, the highest Debt-to-EBITDA Ratio of Hypoport AG was 3.41. The lowest was 0.38. And the median was 2.35.
XSWX:HYQ's Debt-to-EBITDA is ranked better than 89.08% of 284
companies
in the Credit Services industry
Industry Median: 9.055
vs XSWX:HYQ: 0.64
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Hypoport AG Debt-to-EBITDA Related Terms
Hypoport AG Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Hypoport AG's Debt-to-EBITDA 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 Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hypoport AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Hypoport AG's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Hypoport AG (XSWX:HYQ) has a Debt-to-EBITDA of 0.56 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Hypoport AG. This is 76% below median its historical median of 2.35. Over the past decade, Hypoport AG's Debt-to-EBITDA has ranged from 0.38 to 3.41. According to the industry distribution chart, Hypoport AG ranks #31 out of 284 companies in the Credit Services industry, placing it in the top 10.9%.
Is Hypoport AG's Debt-to-EBITDA too high?
Hypoport AG's current Debt-to-EBITDA of 0.56 is 76% below median its 10-year median of 2.35. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 3.41. The Credit Services industry median Debt-to-EBITDA is 9.06. Hypoport AG's value of 0.56 is 93.8% below this industry median. Based on the distribution chart, Hypoport AG ranks #31 out of 284 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Hypoport AG ranks #31 out of 284 companies for Debt-to-EBITDA. This places Hypoport AG in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 9.06. Hypoport AG's value of 0.56 is 93.8% below this benchmark. Historically, Hypoport AG's own Debt-to-EBITDA has ranged from 0.38 to 3.41 over the past decade. While the company's 10-year median is 2.35 vs. the industry median of 9.06, Hypoport AG has consistently been below 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.06, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hypoport AG's current Debt-to-EBITDA of 0.56 is 93.8% below 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Hypoport AG. For the Credit Services industry, the median Debt-to-EBITDA is 9.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypoport AG's current Debt-to-EBITDA is 0.56, which is 76% below median its own 10-year median of 2.35. 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 Debt-to-EBITDA of 0.56. The stock's GF Value™ is CHF194.40, compared to a current price of CHF79.75 — trading 59% below its estimated fair value. The current Debt-to-EBITDA is 0.56, which is 76% below median its 10-year median of 2.35 and 93.8% below the Credit Services industry median of 9.06. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Hypoport AG (XSWX:HYQ), the current Debt-to-EBITDA is 0.56 as of Mar. 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 59% below its estimated GF Value™ of CHF194.40.
Key valuation signals for XSWX:HYQ:
Debt-to-EBITDA: 0.56 (76% below median its 10-year median of 2.35)
GF Value™: CHF194.40 vs. price of CHF79.75 (59% below fair value)
Industry Position: 93.8% below the Credit Services median (#31 of 284)
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
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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