Hypoport SE (HYQ.DE) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-26). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Hypoport SE under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from published company financials, balance sheet as of 2025-12-31. HYQ.DE files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: cleared (no excluded categories detected)
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 32.54% | 30.00% | Fail |
| Interest-bearing investments | 17.39% | 30.00% | Pass |
| Non-permissible income | 0.29% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 32.36% | 33.00% | Pass |
| Interest-bearing investments | 13.60% | 33.00% | Pass |
| Non-liquid assets | 66.73% | at least 20.00% | Pass |
| Non-permissible income | 0.29% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 25.46% | 33.33% | Pass |
| Cash + interest-bearing securities | 13.60% | 33.33% | Pass |
| Accounts receivable | 33.27% | 33.33% | Pass |
| Non-permissible income | 0.29% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 25.46% | 33.33% | Pass |
| Cash + interest-bearing securities | 13.60% | 33.33% | Pass |
| Accounts receivable | 33.27% | 50.00% | Pass |
| Non-permissible income | 0.29% | 5.00% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 16.54% | 33.00% | Pass |
| Cash + interest-bearing securities | 8.84% | 33.00% | Pass |
| Accounts receivable | 12.77% | 33.00% | Pass |
| Non-permissible income | 0.29% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 14.57% | 33.00% | Pass |
| Cash + interest-bearing securities | 7.78% | 49.00% | Pass |
| Accounts receivable | 11.25% | 49.00% | Pass |
| Non-permissible income | 0.29% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 14.57% | 33.33% | Pass |
| Cash + interest-bearing securities | 7.78% | 33.33% | Pass |
| Accounts receivable | 19.03% | 49.00% | Pass |
| Non-permissible income | 0.29% | 5.00% | Pass |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 35.80 | NEUTRAL |
| Stochastic %K (14) | 4.04 | BUY |
| CCI (20) | -206.38 | BUY |
| Williams %R (14) | -95.96 | BUY |
| MACD (12,26,9) | -0.82 | SELL |
| ROC (10) | -12.91 | SELL |
| Momentum (10) | -11.35 | SELL |
| EMA (10) | 81.31 | SELL |
| SMA (10) | 82.62 | SELL |
| EMA (20) | 82.66 | SELL |
| SMA (20) | 83.29 | SELL |
| EMA (30) | 83.18 | SELL |
| SMA (30) | 83.82 | SELL |
| EMA (50) | 83.53 | SELL |
| SMA (50) | 84.61 | SELL |
| EMA (100) | 85.38 | SELL |
| SMA (100) | 82.90 | SELL |
| EMA (200) | 96.38 | SELL |
| SMA (200) | 91.72 | SELL |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Credit Services
Hypoport SE develops, operates, and markets technology platforms for the credit, housing, and insurance industries in Germany. The company operates through three segments: Real Estate & Mortgage Platforms, Financing Platforms, and Insurance Platforms. The Real Estate & Mortgage Platforms segment is involved in the development of technology platforms for brokering, financing, and valuing private residential properties. The Financing Platforms segment provides finance products outside the mortgage finance sector, including housing industry, corporate finance, and personal loans. The Insurance Platforms segment develops platforms for insurance distributors in the markets for tariff based retail and small commercial insurance, industrial insurance and occupational insurance. It also operates Europace, an internet based B2B marketplace for the sale of personal loan products and payment protection policies to private clients; Smart Insur platform for the sale and administration of insurance products with variable prices; and Corify and ePension B2B platforms for the administration of industrial insurance, health and occupational pension insurance. Hypoport SE was founded in 1954 and is based in Berlin, Germany.
Background via Yahoo Finance — informational, not part of the verdict.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-08 · Asset managers net 912361 (-21819)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.