Hypoport (HYQ) investor relations material

Market environment and trends

• German housing market is shifting from renting to homeownership, driven by increased migration, more single households, and regulatory constraints on rentals.

• Demand for housing remains high while new construction lags, supporting stable or rising home prices and mortgage volumes.

• Mortgage financing volumes are expected to grow from €60 billion to €75–100 billion per quarter in coming years.

• Mortgage finance market is recovering, with FY25 private mortgage finance volume in Germany at €241 billion (+21%).

• Investment in green heating and energy efficiency is expected to reach €20 billion per quarter.

Business performance and strategy

• Group revenue reached €603 million (+7% yoy), with gross profit at €266 million (+10%) and EBIT at €33 million (+85%).

• Achieved record revenue and gross profit in 2025, with the third-best EBIT year to date.

• Margin expansion is now prioritized over launching new business areas, with a focus on sustainable profitability.

• Guidance for 2024 EBIT is €40–55 million, with expectations to outperform last year by at least €10 million.

• Long-term goal is to double margins achieved in the previous year.

Platform and technology development

• Europace platform matches consumer mortgage demand with 800 banks, offering full integration and automation.

• AI and automation are increasingly integrated into platforms, enhancing efficiency and data-driven decision-making.

• Mobile app and AI tools empower consumers and advisors, contributing to market share gains.

• Valuation business is now integrated and digitalized, contributing to profitability.

• Platformisation and digitalisation remain central to strategy across all segments.