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Hypoport (HYQ) investor relations material
Hypoport Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Revenue increased 12% year-over-year to €459 million for the first nine months of 2025, with gross profit up 16% to €197 million and EBIT doubling to €24 million, reflecting strong operational leverage and market recovery.
Growth was primarily driven by the Real Estate & Mortgage Platforms segment, with strong performance in private mortgage volumes, valuation services, and increased transaction volumes among regional and cooperative banks.
Financing and Insurance Platforms delivered growth or improved profitability despite challenging market environments, supported by digitalization and platform expansion.
Europace One, a new subscription-based SaaS model for advisors, launched in mid-2025, has seen initial sign-ups and is expected to contribute a seven-digit revenue in coming years.
Value AG, after years of investment and losses, is expected to turn profitable in the second half of next year, with double-digit growth anticipated midterm.
Financial highlights
Group revenue rose 12% year-over-year to €459 million; gross profit increased 16% to €197 million; EBITDA grew 32% to €50 million; EBIT more than doubled to €24 million.
Real Estate & Mortgage Platforms revenue up 15% to €354 million, EBIT up 58% to €33 million; private mortgage transaction volume rose 18% to €57 billion.
Financing Platforms revenue up 9% to €59 million, EBIT up 20% to €3.8 million; strong growth in residential property management.
Insurance Platforms revenue declined 6% to €45 million, but EBIT improved from -€0.4 million to €0.9 million; modest growth in policy migration and corporate pension platforms.
Equity ratio improved to 54.9% from 51.3% at year-end 2024; cash flow from operating activities reached €34 million for 9M 2025.
Outlook and guidance
Full-year 2025 revenue guidance lowered to at least €600 million (previously €640 million), gross profit to at least €260 million (previously €270 million), and EBIT forecast maintained at €30–36 million.
Management expects continued double-digit growth in market share, gross profit, and EBIT in normal market phases for years ahead.
Value AG anticipates double-digit growth after reaching profitability.
Europace One and OneClick are expected to drive future revenue and efficiency gains.
Management aims to outperform 2021 record year in both top and bottom line next year.
Impact of rental property attractiveness decline?
What caused Insurance Platforms EBIT decline?
What are 2026 platform expansion initiatives?
Who gains from Deutsche Bank's mortgage reduction?
What is the strategic impact of Finanz Informatik partnership?
Europace One adoption challenges and revenue timeline
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Q4 20259 Mar, 2026
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Frequently asked questions
Hypoport SE operates as a technology-based financial service provider in Germany. It operates through four segments: Private Customers, Corporate Customers, Public Sector Customers, and Real Estate Agent and Broker Customers. The company provides market places for products and services in the real estate finance sector. It focuses on B2B customers that comprise of financial institutions, brokers, real estate agents, independent investor intermediaries, cooperative banks, savings banks, community financial institutions, building societies, property developers/managers/owners, local governments/administrations of municipalities and communities as well as federal institutions.
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