Q3 2025 Hypoport SE Earnings Call Transcript

Nov 10, 2025 / 10:59 AM GMT

Transcript

Key Points

Positve

Hypoport AG (XTER:HYQ) is experiencing a healthy recovery in the German mortgage market, with regional banks, cooperative banks, and savings banks gaining market share.
The Europace platform is seeing growth, with no significant loss of market participants, and is benefiting from the strategic withdrawal of Deutsche Bank from the mortgage market.
The Project Rudy with Sparkassen Banks is progressing well, integrating property assets into mobile apps for 30 million users, enhancing user experience and competitiveness.
The Value AG segment is expected to turn profitable next year, with positive traction in digital product adoption and efficiency improvements.
The Europace One initiative is gaining traction, with a three-digit number of advisors signed up, and is expected to contribute significantly to revenue and profit in the future.

Negative

Deutsche Bank's strategic reduction in mortgage volume has impacted Hypoport AG's overall numbers, though it is not considered a market share loss.
The rollout of Project Rudy has faced delays, with full implementation expected in the first half of next year.
The Value AG segment has incurred significant losses due to heavy investments in automation and integration, though profitability is expected next year.
The Europace One initiative's signing up speed needs improvement, as it is a new business model for Hypoport AG.
The Corify platform for industrial insurance is still in the early stages, with monetization and financial benefits yet to be fully realized.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

HYQGn.DE - Hypoport SE
Q3 2025 Hypoport SE Earnings Call
Nov 10, 2025 / NTS GMT

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Questions and Answers
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Unidentified Participant, [1]
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Sorry for that. Now we are live on now record has started, we're already live. So once again, our first question here in our Q&A result is, if, maybe Europace has lost market share because of Deutsche Bank, because, it looks like the German mortgage market is increasing a little bit faster than the Europace, volume, and this is because Deutsche Bank is pricing them out of the markets, out of the, euroace market, who is taking over these, shares from Deutsche Bank.

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Unidentified Company Representative [2]
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Yeah, okay, a good question. Let's start with

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