Hypoport AGXSWX:HYQ +5.85%66 Gross Margin % is 41.93% as of Mar. 2026, which is 2% below its 10-year median of 42.70. GuruFocus rates XSWX:HYQ with a GF Score™ of 66/100 and a GF Value™ of CHF257.12 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 387 Credit Services companies, Hypoport AG ranks worse than 58.4% on this metric.
Gross Margin % is calculated as gross profit divided by its revenue. Hypoport AG's Gross Profit for the
three
months ended in Mar. 2026 was CHF64.6 Mil. Hypoport AG's Revenue for the
three
months ended in Mar. 2026 was CHF154.1 Mil. Therefore, Hypoport AG's Gross Margin % for the quarter that ended in Mar. 2026 was 41.93%.
Warning Sign:
Hypoport AG gross margin has been in long-term decline. The average rate of decline per year is -5.9%.
The historical rank and industry rank for Hypoport AG's Gross Margin % or its related term are showing as below:
XSWX:HYQ'
s Gross Margin % Range Over the Past 10 Years
Min: 26.51 Med: 42.7 Max: 57.31
Current: 44.3
During the past 13 years, the highestGross Margin % of Hypoport AG was 57.31%. The lowest was 26.51%. And the median was 42.70%.
XSWX:HYQ's Gross Margin % is ranked worse than 58.4% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs XSWX:HYQ: 44.30
Hypoport AG had a gross margin of 41.93% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Hypoport AG was -5.90% per year.
Hypoport AG (XSWX:HYQ) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Hypoport AG had a gross margin of 41.93% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Hypoport AG Gross Margin % Related Terms
Hypoport AG Gross Margin % Historical Data
* Premium members only.
The historical data trend for Hypoport AG's Gross Margin % 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 Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hypoport AG's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Hypoport AG's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Hypoport AG (XSWX:HYQ) has a Gross Margin % of 41.93% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Hypoport AG and its competitors. This is near median its historical median of 42.70. Over the past decade, Hypoport AG's Gross Margin % has ranged from 26.51 to 57.31. According to the industry distribution chart, Hypoport AG ranks #226 out of 387 companies in the Credit Services industry, placing it in the top 58.4%.
Is Hypoport AG's Gross Margin % too high?
Hypoport AG's current Gross Margin % of 41.93% is near median its 10-year median of 42.70. Over the past 10 years, this metric has ranged from a low of 26.51 to a high of 57.31. The Credit Services industry median Gross Margin % is 51.88. Hypoport AG's value of 41.93% is 19.2% below this industry median. Based on the distribution chart, Hypoport AG ranks #226 out of 387 companies in the Credit Services industry, which is below the industry midpoint. Overall, Hypoport AG has a GF Score™ of 66/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hypoport AG's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Hypoport AG ranks #226 out of 387 companies for Gross Margin %. This places Hypoport AG in the lower half of its industry. The industry median Gross Margin % is 51.88. Hypoport AG's value of 41.93% is 19.2% below this benchmark. Historically, Hypoport AG's own Gross Margin % has ranged from 26.51 to 57.31 over the past decade. While the company's 10-year median is 42.70 vs. the industry median of 51.88, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hypoport AG's current Gross Margin % of 41.93% is 19.2% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Hypoport AG and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypoport AG's current Gross Margin % is 41.93%, which is near median its own 10-year median of 42.70. 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?
Based on GuruFocus' analysis, Hypoport AG (XSWX:HYQ) is currently considered Significantly Undervalued. The stock's GF Value™ is CHF257.12, compared to a current price of CHF77.80 — trading 69.7% below its estimated fair value. The current Gross Margin % is 41.93%, which is near median its 10-year median of 42.70 and 19.2% below the Credit Services industry median of 51.88. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Hypoport AG (XSWX:HYQ), the current Gross Margin % is 41.93% 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 CHF77.80 is trading 69.7% below its estimated GF Value™ of CHF257.12.
GuruFocus considers Hypoport AG to be Significantly Undervalued.
Key valuation signals for XSWX:HYQ:
Gross Margin %: 41.93% (near median its 10-year median of 42.70)
GF Value™: CHF257.12 vs. price of CHF77.80 (69.7% below fair value)
Industry Position: 19.2% below the Credit Services median (#226 of 387)
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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