About Hypoport SE (HYPOF) — Dividend Analysis 2026
Hypoport SE operates as a technology-based financial service provider in Germany. The company operates through four segments: Credit Platform, Private Clients, Real Estate Platform, and Insurance Platform. It offers EUROPACE marketplace for independent distributors to process their financing transactions with the product suppliers they represent. The company also provides mortgage finance, personal loans, insurance, and current and deposit accounts through distribution channels, including online and branch-based sales. In addition, it offers advice and customized solutions in the areas of financial management, portfolio management, and insurance for business customers; PRoMMiSe, a software that helps banks with the analysis and reporting of securitized or collateralized loan portfolios; Software as a Service for banks and housing companies; and property valuation services, as well as supports issuers with the provision of information technology and a range of services. Further, it develops and operates software solutions for the sale and management of insurance products; operates SMART INSUR, a web-based B2B platform for advice, comparison of tariffs, and the administration of insurance policies; and provides support services to small and medium-sized financial product distributors in relation to the brokerage of insurance policies. The company was founded in 1954 and is headquartered in Lübeck, Germany.
Is HYPOF a good dividend investment in 2026?
HYPOF offers a 0.93% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
HYPOF DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your HYPOF portfolio grows to $436.8K vs $429.1K without reinvestment. This is the compound interest effect in action.
HYPOF dividend growth history & forecast
HYPOF has grown its dividend by 0% over the last year and 0% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 0.93%.
FCF ($12M) is below dividends paid ($13M) — risk of cut (FCF: $12M · Dividends est.: $13M)
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.0B → +0.0B → +0.0B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 HYPOF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold HYPOF.
Gross yield
0.93%
Tax rate
15.00%
After-tax yield
0.79%
Real yield (−CPI)
-2.01%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
0.93%
-1.87%
$93 / yr
🇺🇸 US Taxable (15%) ✓
15%
0.79%
-2.01%
$79 / yr
🇺🇸 US Taxable (20%)
20%
0.74%
-2.06%
$74 / yr
🇬🇧 UK ISA
0%
0.93%
-1.87%
$93 / yr
🇬🇧 UK Taxable
8.75%
0.85%
-1.95%
$85 / yr
🇨🇦 TFSA
0%
0.93%
-1.87%
$93 / yr
🇨🇦 CA Taxable
25%
0.70%
-2.10%
$70 / yr
🇦🇺 Super (pension)
15%
0.79%
-2.01%
$79 / yr
🇦🇺 AU Taxable
30%
0.65%
-2.15%
$65 / yr
🇩🇪 DE Taxable
26.375%
0.68%
-2.12%
$68 / yr
🇫🇷 FR Taxable
30%
0.65%
-2.15%
$65 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 HYPOF Income Goal & Break-Even
Dividend Break-Even
50yr+
Years for dividends to fully repay your HYPOF investment of $214.69/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$801.33
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$-1670.96
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in HYPOF for:
Shares needed
14,118
Capital required
$3,031,064
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 HYPOF Dividend Payment Schedule
HYPOF pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 HYPOF vs Financial Services Benchmarks
How HYPOF compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▼-1.97% vs sectorBelow avg
HYPOF
0.93%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
HYPOF
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
HYPOF
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for HYPOF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ HYPOF Insider Activity
No recent SEC filings reported in the last 90 days.
📅
Next Earnings Report: 2026-05-11(in 40 days)
🔬
Financial Health Scores
Altman Z-Score
4.23
✅ Safe Zone — low bankruptcy risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
6/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the HYPOF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →