Hypoport AGFRA:HYQ -0.18%76 ROE % is 8.29% as of Mar. 2026, which is 37% below its 10-year median of 13.23. GuruFocus rates FRA:HYQ with a GF Score™ of 76/100 and a GF Value™ of €213.05 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 529 Credit Services companies, Hypoport AG ranks better than 53.88% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Hypoport AG's annualized net income for the quarter that ended in Mar. 2026 was €31.3 Mil. Hypoport AG's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €377.5 Mil. Therefore, Hypoport AG's annualized ROE % for the quarter that ended in Mar. 2026 was 8.29%.
The historical rank and industry rank for Hypoport AG's ROE % or its related term are showing as below:
FRA:HYQ'
s ROE % Range Over the Past 10 Years
Min: 3.58 Med: 13.23 Max: 31.05
Current: 7.62
During the past 13 years, Hypoport AG's highest ROE % was 31.05%. The lowest was 3.58%. And the median was 13.23%.
FRA:HYQ's ROE % is ranked better than 53.88% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs FRA:HYQ: 7.62
Hypoport AG (FRA:HYQ) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Hypoport AG ROE % Related Terms
Hypoport AG ROE % Historical Data
* Premium members only.
The historical data trend for Hypoport AG's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hypoport AG's ROE % distribution charts can be found below:
* The bar in red indicates where Hypoport AG's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Hypoport AG (FRA:HYQ) has a ROE % of 8.29% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hypoport AG and its competitors. This is 37% below median its historical median of 13.23. Over the past decade, Hypoport AG's ROE % has ranged from 3.58 to 31.05. According to the industry distribution chart, Hypoport AG ranks #244 out of 529 companies in the Credit Services industry, placing it in the top 46.1%.
Is Hypoport AG's ROE % too high?
Hypoport AG's current ROE % of 8.29% is 37% below median its 10-year median of 13.23. Over the past 10 years, this metric has ranged from a low of 3.58 to a high of 31.05. The Credit Services industry median ROE % is 6.61. Hypoport AG's value of 8.29% is 25.4% above this industry median. Based on the distribution chart, Hypoport AG ranks #244 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, Hypoport AG has a GF Score™ of 76/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hypoport AG's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Hypoport AG ranks #244 out of 529 companies for ROE %. This puts Hypoport AG in the upper half of its industry. The industry median ROE % is 6.61. Hypoport AG's value of 8.29% is 25.4% above this benchmark. Historically, Hypoport AG's own ROE % has ranged from 3.58 to 31.05 over the past decade. While the company's 10-year median is 13.23 vs. the industry median of 6.61, Hypoport AG has consistently been above 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hypoport AG's current ROE % of 8.29% is 25.4% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hypoport AG and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypoport AG's current ROE % is 8.29%, which is 37% below median its own 10-year median of 13.23. 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 (FRA:HYQ) is currently considered Significantly Undervalued. The stock's GF Value™ is €213.05, compared to a current price of €83.95 — trading 60.6% below its estimated fair value. The current ROE % is 8.29%, which is 37% below median its 10-year median of 13.23 and 25.4% above the Credit Services industry median of 6.61. Hypoport AG's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Hypoport AG (FRA:HYQ), the current ROE % is 8.29% 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 (FRA:HYQ) Overvalued in 2026?
Based on GuruFocus' analysis, Hypoport AG stock appears to be undervalued.
The current stock price of €83.95 is trading 60.6% below its estimated GF Value™ of €213.05.
GuruFocus considers Hypoport AG to be Significantly Undervalued.
Key valuation signals for FRA:HYQ:
ROE %: 8.29% (37% below median its 10-year median of 13.23)
GF Value™: €213.05 vs. price of €83.95 (60.6% below fair value)
Industry Position: 25.4% above the Credit Services median (#244 of 529)
No single metric tells the full story. See the FRA: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.
76GF Score
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