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Hypoport AGXSWX:HYQ +1.72%66 Graham Number is CHF15.33 as of Mar. 2026, which is 100% below its 10-year median of 7.43. 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 346 Credit Services companies, Hypoport AG ranks worse than 97.11% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-08-09), the stock price of Hypoport AG is CHF79.75. Hypoport AG's graham number for the quarter that ended in Mar. 2026 was CHF15.33. Therefore, Hypoport AG's Price to Graham Number ratio for today is 5.20.
The historical rank and industry rank for Hypoport AG's Graham Number or its related term are showing as below:
XSWX:HYQ'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 4.31 Med: 7.43 Max: 27.09
Current: 5.24
During the past 13 years, the highest Price to Graham Number ratio of Hypoport AG was 27.09. The lowest was 4.31. And the median was 7.43.
XSWX:HYQ's Price-to-Graham-Number is ranked worse than 97.11% of 346
companies
in the Credit Services industry
Industry Median: 0.78
vs XSWX:HYQ: 5.24
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Hypoport AG's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
79.75
/
15.33
=
5.20
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Hypoport AG Graham Number Related Terms
Hypoport AG Graham Number Historical Data
* Premium members only.
The historical data trend for Hypoport AG's Graham Number 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 Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hypoport AG's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Hypoport AG's Price-to-Graham-Number 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 Graham Number of CHF15.33 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Hypoport AG and its competitors. This is 106% above median its historical median of 7.43. Over the past decade, Hypoport AG's Graham Number has ranged from 4.31 to 27.09. According to the industry distribution chart, Hypoport AG ranks #336 out of 346 companies in the Credit Services industry, placing it in the top 97.1%.
Is Hypoport AG's Graham Number too high?
Hypoport AG's current Graham Number of CHF15.33 is 106% above median its 10-year median of 7.43. Over the past 10 years, this metric has ranged from a low of 4.31 to a high of 27.09. Based on the distribution chart, Hypoport AG ranks #336 out of 346 companies in the Credit Services industry, which is in the bottom quartile 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 Graham Number compare to V and MA?
According to the Credit Services industry distribution chart, Hypoport AG ranks #336 out of 346 companies for Graham Number. This places Hypoport AG in the lower half of its industry. The industry median Graham Number is 0.78. Historically, Hypoport AG's own Graham Number has ranged from 4.31 to 27.09 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Credit Services company?
The median Graham Number among Credit Services companies is 0.78, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Hypoport AG and its competitors. For the Credit Services industry, the median Graham Number is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypoport AG's current Graham Number is CHF15.33, which is 106% above median its own 10-year median of 7.43. 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 Graham Number of CHF15.33. 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 Graham Number is CHF15.33, which is 106% above median its 10-year median of 7.43. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Hypoport AG (XSWX:HYQ), the current Graham Number is CHF15.33 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:
Graham Number: CHF15.33 (106% above median its 10-year median of 7.43)
GF Value™: CHF194.40 vs. price of CHF79.75 (59% below fair value)
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
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