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Hypoport (HYQ) investor relations material
Hypoport Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Q1–Q3 2026 revenue rose 5% to €479.5m and gross profit increased 5% to €207.0m; EBIT advanced 27% to €30.1m despite declining financing markets.
All three segments contributed to gross profit growth; net profit attributable to shareholders rose 29% to €19.9m.
EBIT-to-gross-profit margin improved 2.5 percentage points to 14.5%, reflecting improved operating performance.
Financial highlights
Q1–Q3 revenue was €479.5m versus €458.7m; gross profit was €207.0m versus €197.3m.
EBITDA reached €55.6m versus €50.1m, and EBIT was €30.1m versus €23.6m; Q3 EBIT was €10.8m versus €7.6m.
Net profit attributable to shareholders increased to €19.9m from €15.4m; 9M EPS was €2.98 versus €2.30.
Operating cash flow increased to €44.4m from €34.4m; cash and cash equivalents were €79.1m at 30 September 2026.
Outlook and guidance
FY 2026 guidance reiterated: gross profit of at least €280m and EBIT of €40m–€55m; EBIT was €30.1m at end-Q3.
Q4 seasonality and stronger market-share gains support the outlook, but delivery depends on market conditions and execution; management considers crossing €40m EBIT achievable.
2026 segment outlook: Real Estate & Mortgage Platforms expects gross-profit growth and an improved EBIT/gross-profit margin; Financing Platforms expects high-single-digit gross-profit growth and a slight EBIT-margin reduction.
Insurance Platforms expects gross-profit growth and EBIT just above break-even; through 2029, the EBIT/gross-profit margin is targeted to double versus 2025.
Europace refinancing volumes are expected to rise significantly in 2027 as 2012 mortgages mature; current quarterly volume is €1bn versus €2bn–€3bn before the interest-rate shift.
- EBIT rose 20% and net profit 19% in H1 2026, with all segments contributing to growth.HYQ
Q2 2026 - EBIT surged 40% and net profit rose 42% year-over-year, with guidance reaffirmed.HYQ
Q1 2026 - Record revenue, margin focus, and AI-driven growth amid Germany's homeownership shift.HYQ
German Select VII Conference - EBIT up 85% and gross profit up 10% in 2025, with further margin gains forecast for 2026.HYQ
Q4 2025 Pre Recorded - Margin expansion and strong profit growth drive 2025–2030 outlook, targeting doubled EBITDA margin.HYQ
Q4 2025 (Q&A) - Revenue and EBIT surged as platform growth offset segment weakness and guidance revision.HYQ
Q3 2025 - Revenue up 24% and net profit positive, with strong outlook for 2024.HYQ
Q3 2024 - H1 2024 revenue up 22%, EBIT positive at €7.9M, led by 32% real estate growth.HYQ
Q2 2024 - Mortgage finance recovery drove 14% revenue growth and higher EBIT, with strong 2025 outlook.HYQ
Q4 2024
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