Hypoport SE HYQ.DE
Quarterly and annual results for Hypoport stock (HYQ.DE) since 2023: revenue, earnings, balance sheet, cash flow and management guidance from IR documents, every figure with its source. As of 08/2026, quarterly reporting. Latest reading: Margin expanding.
Margin expanding
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Business Model#
What the company does and how it earns its money; written AI-editorially, exclusively from the company's original reports, without any assessment of our own.
Hypoport SE is a Berlin-based technology group that operates financial marketplace platforms primarily in Germany. Its principal platform Europace connects mortgage lenders, insurance companies, and financial advisors to facilitate transactions in real estate finance, consumer credit, and insurance products. Revenue is generated through transaction fees on platform volume, software licensing for connected financial institutions, and SaaS subscriptions, organized across three reporting segments: Real Estate & Mortgage, Financing Platforms, and Insurance Platforms.
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Current Status#
Summary of the most recent reporting period: core figures, drivers and management statements; written editorially from the current original report, every figure backed by a source number.
For H1 2026, Hypoport SE's group gross profit grew 5% to 138 million euros and EBIT improved 20% to 19 million euros, with the EBIT margin on gross profit advancing from 12.3% to 14.1% 35. Q2 2026 revenue reached 150.1 million euros 136, and the largest segment, Real Estate & Mortgage, reported H1 gross profit up 4% to 85 million euros and EBIT of 24 million euros 35. All three reporting segments delivered positive H1 EBIT, underpinned by growth across financing and insurance brokerage platforms 35.
Management commentary on the 2026-Q1 results (IR-Quarter, 2026-05-11):
„Despite a highly volatile geopolitical market environment, we are on track for our record year in gross profit and EBIT targeted for 2026. Across all three segments, we are currently rolling out new, AI-based products and features on our platforms, thereby continuously accelerating the efficiency of the processes we oversee in the financial and housing sectors. The potential of our data assets is immense, to the benefit of consumers, who profit from ever-lower prices and ever-faster decisions by providers on our platforms.“ – Ronald Slabke, Vorstandsvorsitzender 33 (translation – original on hover)
Revenue · 2026-Q2150€m+2.9 % vs. 2025-Q2
Net profit · 2026-Q25€m+0.0 % vs. 2025-Q2
EPS · 2026-Q20.78€+8.3 % vs. 2025-Q2
Revenue trend
Guidance
For FY2026, the company guides Revenue to mindestens 280 Mio. € (confirmed); EBIT to 40-55 Mio. € (confirmed); operating_income to zwischen 40 Mio. € und 55 Mio. € (confirmed). 35.
ProfitabilityFor Q2 2026, operating income was 7.3 million euros and net income was 4.9 million euros, with diluted EPS of 0.78 136. Q2 free cash flow was an outflow of 5.7 million euros after capex of 6.9 million euros 136. For H1 2026, the Financing Platforms segment improved EBIT by 35% to 2.4 million euros, and the Insurance Platforms segment reversed from a loss of 0.3 million euros to a gain of 1.1 million euros 35.
LeverageHypoport SE held cash of 90.4 million euros at end of Q2 2026, with a net debt position of 7 million euros 136. This compares with a net cash position of 73.7 million euros at end of Q1 2026, with the shift to net debt over Q2 reflecting investment and working capital dynamics 136. No trailing Net-Debt/EBITDA multiple was stated in the available inputs.
RecurringThe Insurance Platforms segment migrated approximately 5.9 billion euros in annual net premiums to the SMART INSUR platform in H1 2026, up 18% versus H1 2025 35. The company-sponsored pension platform ePension grew its volume by 21% to 0.37 billion euros through newly productive client additions 35. These figures indicate continued traction in platform-based recurring and subscription revenue streams within the insurance and pension brokerage segment.
Management viewOn the core mortgage marketplace, Europace held transaction volume for real estate financing stable at 38 billion euros in H1 2026, with market share gains at savings banks and cooperative banks 35. The valuation platform VALUE AG reported a clearly improved business volume and a positive profitability development during the period 35. The ongoing migration of insurance premiums to SMART INSUR and ePension client additions support the continued buildout of Hypoport's digital platform network.
ChangeGeopolitical tensions linked to the Iran conflict drove a higher closing rate in Q1 2026, with Q2 experiencing the anticipated deceleration as the elevated demand effect dissipated 35. Q2 2026 operating cash flow of 1.2 million euros was considerably lower than Q1 2026's 31.5 million euros, reflecting this normalization in transaction activity 136. No segment closures, material write-offs, or discontinued operations were reported for H1 2026.
Risks (current)Geopolitical tensions from the Iran conflict introduce volatility in interest rate developments and business uncertainty that could weigh on Hypoport's operating markets 35. BaFin regulatory requirements constrain mortgage lending activity in Germany, and operations linked to Deutsche Bank through the Starpool unit have been materially burdened by issues at that institution 27. The group faces structural dependence on German banking clients for real estate and corporate financing, with rent regulation in metropolitan areas limiting profitable new construction and competitive pressure from comparable platform providers adding further market risk 27.
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Price & Chart#
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Share-Price Drivers#
Factors the company itself names as material for its business development (IR-based); reproduced neutrally, no price forecast and no assessment of our own.
Real Estate & Mortgage Platforms segment as the dominant revenue and margin contributor
In 2026-H1 this segment generated segment revenue of 235.1m at a segment margin of about 28%, far above the other two segments, so group results track its trajectory most closely 35
In 2026-H1 this segment generated segment revenue of 235.1m at a segment margin of about 28%, far above the other two segments, so group results track its trajectory most closely 35
Real Estate & Mortgage Platforms traction
Largest segment by revenue at 235.1m in 2026-H1 with the highest segment margin (about 28%), indicating credit and real-estate platform volumes are the main earnings engine 35
Largest segment by revenue at 235.1m in 2026-H1 with the highest segment margin (about 28%), indicating credit and real-estate platform volumes are the main earnings engine 35
Insurance Platforms build-out (SMART INSUR migration, Corify, ePension)
Insurance Platforms recorded a negative segment margin (about -2%) on 31.2m revenue in 2026-H1 while the SMART INSUR migration of private-insurance portfolios and the Corify industrial-insurance marketplace continue; Corify moved to onboarding pilot customers and ePension for occupational pensions is being expanded 35 27
Insurance Platforms recorded a negative segment margin (about -2%) on 31.2m revenue in 2026-H1 while the SMART INSUR migration of private-insurance portfolios and the Corify industrial-insurance marketplace continue; Corify moved to onboarding pilot customers and ePension for occupational pensions is being expanded 35 27
Financing Platforms
Financing Platforms contributed 38.6m revenue at a low single-digit segment margin (about 5%) in 2026-H1, a smaller and thinner-margin contributor 35
Financing Platforms contributed 38.6m revenue at a low single-digit segment margin (about 5%) in 2026-H1, a smaller and thinner-margin contributor 35
Group revenue and earnings run-rate
Group revenue was 150.1m in 2026-Q2 with operating income of 7.3m and net income of 4.9m, following 169.3m in 2026-Q1; the quarterly series shows revenue holding in a broadly similar range across recent quarters 136 134
Group revenue was 150.1m in 2026-Q2 with operating income of 7.3m and net income of 4.9m, following 169.3m in 2026-Q1; the quarterly series shows revenue holding in a broadly similar range across recent quarters 136 134
New volume from the acquired Commerzbank loan portfolio
A loan portfolio from Commerzbank AG was acquired in 2025-09, adding to the financing/credit platform activity 27
A loan portfolio from Commerzbank AG was acquired in 2025-09, adding to the financing/credit platform activity 27
Sector trend: Platform demand is directed by the real-estate and mortgage financing cycle, where the segment carries the highest margin (about 28% in 2026-H1) and drives group profitability, while the insurance-platform business remains in an investment phase with a negative segment margin as SMART INSUR migration and the Corify marketplace scale 35.
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Event Timeline#
This timeline collects the material events from the original reports: guidance changes, revenue and margin signals, strategy shifts, product and M&A announcements. Events are grouped by quarter (most recent first); the grey tag before each event names the event type, the date is the publication date of the source. Management quotes open the quarter block as direct quotes. Per quarter we show the three most defining events; more can be expanded per quarter, older years are collapsed. Every event carries its source as a superscript, clickable number.
Overview: one dot per event · click jumps to the period
2026 · 5 events
2026-Q2 · Apr – Jun 2026
earnings 2026-08-10
Insurance Platforms segment EBIT swung to +1.1 Mio. € in H1 2026 from -0.3 Mio. € in H1/25 35
Insurance Platforms segment EBIT swung to +1.1 Mio. € in H1 2026 from -0.3 Mio. € in H1/25 35
Margin expanding 2026-08-10
H1 2026 EBIT margin on gross profit widened to 14.1% from 12.3% in H1/25 35
H1 2026 EBIT margin on gross profit widened to 14.1% from 12.3% in H1/25 35
revenue 2026-07-27
H1 2026 group gross profit (Rohertrag) rose to 138 Mio. € from 130 Mio. € in H1/25 36
H1 2026 group gross profit (Rohertrag) rose to 138 Mio. € from 130 Mio. € in H1/25 36
2026-Q1 · Jan – Mar 2026
„Despite a highly volatile geopolitical market environment, we are on track for our record year in gross profit and EBIT targeted for 2026. Across all three segments, we are currently rolling out new, AI-based products and features on our platforms, thereby continuously accelerating the efficiency of the processes we oversee in the financial and housing sectors. The potential of our data assets is immense, to the benefit of consumers, who profit from ever-lower prices and ever-faster decisions by providers on our platforms.“ – Ronald Slabke, Vorstandsvorsitzender 33 (translation – original on hover)
Revenue accelerating 2026-05-11
Group gross profit (Rohertrag) rose by 8% to 71 Mio. € in Q1 2026, with all three segments contributing to the increase 33
Group gross profit (Rohertrag) rose by 8% to 71 Mio. € in Q1 2026, with all three segments contributing to the increase 33
Margin expanding 2026-05-11
EBIT margin on gross profit improved to 17% from 13% in Q1/25, with EBIT rising by 40% to 12.1 Mio. € 33
EBIT margin on gross profit improved to 17% from 13% in Q1/25, with EBIT rising by 40% to 12.1 Mio. € 33
2025 · 15 events
2025-Q4 · Oct – Dec 2025
„The return to a growth trajectory that began in 2024 has thus been further consolidated.“ – Ronald Slabke 27 (translation – original on hover)
earnings 2026-03-13
Full-year EBIT rose 85% to 33 million euros; EBIT margin relative to gross profit improved from 7.4% to 12.4% 27
Full-year EBIT rose 85% to 33 million euros; EBIT margin relative to gross profit improved from 7.4% to 12.4% 27
Guidance initiated 2026-03-13
2026 guidance initiated: Real Estate & Mortgage Platforms with low-double-digit gross profit growth; Financing Platforms with high-single to low-double-digit growth; Insurance Platforms with modest gross profit growth and slightly rising segment EBIT 27
2026 guidance initiated: Real Estate & Mortgage Platforms with low-double-digit gross profit growth; Financing Platforms with high-single to low-double-digit growth; Insurance Platforms with modest gross profit growth and slightly rising segment EBIT 27
2025-Q3 · Jul – Sep 2025
Operating income turned positive ◦ 2025-11-10
9M EBIT doubled 101% to approximately 24 million euros; 9M net income rose 118% to 16 million euros 25
9M EBIT doubled 101% to approximately 24 million euros; 9M net income rose 118% to 16 million euros 25
Guidance cut 2025-10-27
Full-year revenue guidance lowered to at least 600 million euros from 640 million euros due to weaker development at Starpool Finanz GmbH; EBIT range of 30 to 36 million euros maintained 30
Full-year revenue guidance lowered to at least 600 million euros from 640 million euros due to weaker development at Starpool Finanz GmbH; EBIT range of 30 to 36 million euros maintained 30
2025-Q2 · Apr – Jun 2025
„The turnaround of our most important market, private residential mortgage financing, which began in 2024, continues in 2025 with slightly higher volatility. In addition, the depth of usage by our partners is growing through the further development of our established platforms. On our platform for banks, we are deepening the integration of our offerings, and in the housing sector we are acquiring new customers with strong momentum, which will further reinforce our growth in the coming years.“ – Ronald Slabke, Vorstandsvorsitzender 29 (translation – original on hover)
Operating cash flow turned positive 2025-08-11
Operating cash flow turned positive on a half-year basis (2024-H2: -17.3 to 2025-H1: +29.8 EURm, aggregated from reported quarters where needed). 136
Operating cash flow turned positive on a half-year basis (2024-H2: -17.3 to 2025-H1: +29.8 EURm, aggregated from reported quarters where needed). 136
earnings 2025-07-28
Q2 EBIT rose 102% to 7.4 million euros; H1 EBIT up 94% to 16 million euros, driven by improved development in private residential financing in the Real Estate & Mortgage Platforms segment 28
Q2 EBIT rose 102% to 7.4 million euros; H1 EBIT up 94% to 16 million euros, driven by improved development in private residential financing in the Real Estate & Mortgage Platforms segment 28
Revenue decelerating ◦ 2025-07-28
Q2 revenue grew 6% to 145.8 million euros, below the 19% rate recorded in Q1 2025 28
Q2 revenue grew 6% to 145.8 million euros, below the 19% rate recorded in Q1 2025 28
2025-Q1 · Jan – Mar 2025
Operating income turned positive 2025-05-12
EBIT rose 88% to 8.6 million euros, outpacing revenue growth, on recovery in private residential real estate financing and Real Estate & Mortgage Platforms EBIT up 53% to 13 million euros 38
EBIT rose 88% to 8.6 million euros, outpacing revenue growth, on recovery in private residential real estate financing and Real Estate & Mortgage Platforms EBIT up 53% to 13 million euros 38
2024 · 14 events
2024-H1 · Jan – Jun 2024
Segment divergence 2025-08-11
Real Estate & Mortgage Platforms revenue grew +78.3% to 202.7 EURm in 2024-H1 (75% of group revenue) while group revenue changed -24.4%. 24
Real Estate & Mortgage Platforms revenue grew +78.3% to 202.7 EURm in 2024-H1 (75% of group revenue) while group revenue changed -24.4%. 24
2024-Q4 · Oct – Dec 2024
Revenue accelerating ◦ 2025-03-11
Full-year revenue up 13.5% to 560.7 Mio. euros; Real Estate & Mortgage Platforms up 17% to 420.7 Mio. euros with Europace transaction volume up 27% to 66.1 billion euros 17
Full-year revenue up 13.5% to 560.7 Mio. euros; Real Estate & Mortgage Platforms up 17% to 420.7 Mio. euros with Europace transaction volume up 27% to 66.1 billion euros 17
Guidance initiated 2025-03-11
2025 guidance initiated: revenue at least 640 Mio. euros, gross profit at least 270 Mio. euros, EBIT between 30 and 36 Mio. euros 17
2025 guidance initiated: revenue at least 640 Mio. euros, gross profit at least 270 Mio. euros, EBIT between 30 and 36 Mio. euros 17
2024-Q3 · Jul – Sep 2024
„In 2024 we are seeing the first positive effects of the market recovery in private residential mortgage financing reflected in the revenue and earnings increases of the Real Estate & Mortgage Platforms segment. Complemented by positive earnings contributions from the Financing Platforms and Insurance Platforms segments, it can be noted that, in still weak market conditions this year, we are laying a solid foundation for further profitable growth in the future. At the group level, after three of four quarters we have now reached an EBIT level of just under 12 Mio. € and are already within the corridor of our annual EBIT guidance of 10-20 Mio. €. The disproportionate increase in earnings demonstrates the strength of our scalable platform business models and our streamlined cost structure introduced in 2023.“ – Ronald Slabke, Vorstandsvorsitzender 21 (translation – original on hover)
Revenue accelerating ◦ 2024-11-11
Real Estate & Mortgage Platforms 9M revenue up 36% to 231 Mio. euros with segment EBIT up 198% to 21 Mio. euros 16
Real Estate & Mortgage Platforms 9M revenue up 36% to 231 Mio. euros with segment EBIT up 198% to 21 Mio. euros 16
earnings 2024-10-29
9M/24 EBIT improved to approximately 11.5 Mio. euros from -2.9 Mio. euros in the prior year period; Q3 EBIT reached approximately 3.6 Mio. euros versus -1.1 Mio. euros 20
9M/24 EBIT improved to approximately 11.5 Mio. euros from -2.9 Mio. euros in the prior year period; Q3 EBIT reached approximately 3.6 Mio. euros versus -1.1 Mio. euros 20
2024-Q2 · Apr – Jun 2024
„The Hypoport Group returned to a growth trajectory in the first half of 2024.“ – Ronald Slabke, CEO 15 (translation – original on hover)
„We are seeing the first positive effects of the market recovery in private residential mortgage financing reflected in our revenues. At the same time, the group's earnings increase of nearly 10 Mio. € demonstrates our scalable platform business model and our streamlined cost structure in place since 2023. In the two smaller segments, Financing Platforms and Insurance Platforms, while we are currently facing a lacklustre market environment, we are nonetheless steadily gaining market share, which validates our investments in these two segments. Weighing the divergent developments across segments, we are leaving our annual guidance of revenue above 400 Mio. € and EBIT of 10 to 20 Mio. € unchanged.“ – Ronald Slabke, Vorstandsvorsitzender 19 (translation – original on hover)
Guidance confirmed 2024-08-12
Annual 2024 guidance confirmed: revenue above 400 Mio. euros, EBIT 10-20 Mio. euros 19
Annual 2024 guidance confirmed: revenue above 400 Mio. euros, EBIT 10-20 Mio. euros 19
Operating income turned positive ◦ 2024-07-23
Q2 EBIT improved to approximately 3.6 Mio. euros from 2.5 Mio. euros in the prior year quarter; H1/24 EBIT turned positive at 7.9 Mio. euros versus 1.7 Mio. euros 18
Q2 EBIT improved to approximately 3.6 Mio. euros from 2.5 Mio. euros in the prior year quarter; H1/24 EBIT turned positive at 7.9 Mio. euros versus 1.7 Mio. euros 18
Operating cash flow turned positive 2024-07-23
Operating cash flow turned positive on a half-year basis (2023-H2: -13.8 to 2024-H1: +12.8 EURm, aggregated from reported quarters where needed). 120
Operating cash flow turned positive on a half-year basis (2023-H2: -13.8 to 2024-H1: +12.8 EURm, aggregated from reported quarters where needed). 120
2024-Q1 · Jan – Mar 2024
„Over the past 18 months, we have implemented extensive measures to further expand our value creation, particularly in the private residential mortgage financing market, which is undergoing a period of transformation. We are now seeing the first results of this additional market penetration through the strong increase in revenue. The EBIT development of the group as a whole finally reflects once again the scalability of our platform business models in a positive sense.“ – Ronald Slabke, Vorstandsvorsitzender 13 (translation – original on hover)
Acquisition 2024-05-06
Acquired remaining 49% stake in ePension entities for 9.0 Mio. euros in Q1 2024 14
Acquired remaining 49% stake in ePension entities for 9.0 Mio. euros in Q1 2024 14
Revenue accelerating ◦ 2024-05-06
Revenue up 15% in Q1 2024; Real Estate & Mortgage Platforms grew 24% to 72.8 Mio. euros, Financing Platforms declined 6% to 17.3 Mio. euros 13
Revenue up 15% in Q1 2024; Real Estate & Mortgage Platforms grew 24% to 72.8 Mio. euros, Financing Platforms declined 6% to 17.3 Mio. euros 13
Guidance confirmed 2024-05-06
FY2024 guidance confirmed: at least 400 Mio. euros revenue and EBIT of 10-20 Mio. euros 13
FY2024 guidance confirmed: at least 400 Mio. euros revenue and EBIT of 10-20 Mio. euros 13
2023 · 12 events
2023-Q4 · Oct – Dec 2023
„In addition to implementing these measures, we used the 2023 financial year to establish a new segment structure.“ – Ronald Slabke, Vorstand 11 (translation – original on hover)
„The private residential mortgage financing market, which is central to many of our large subsidiaries, stabilised at the turn of 2022/2023; however, the market lacked, particularly in the second and third quarters of 2023, the necessary momentum to recover swiftly from the deep trough.“ – Ronald Slabke, Vorstandsvorsitzender 12 (translation – original on hover)
Strategic pivot 2024-03-25
Three-segment structure (Real Estate & Mortgage Platforms, Financing Platforms, Insurance Platforms) established effective 31 December 2023, reducing group complexity 11
Three-segment structure (Real Estate & Mortgage Platforms, Financing Platforms, Insurance Platforms) established effective 31 December 2023, reducing group complexity 11
earnings 2024-03-11
Q4 EBIT returned to positive at 16.2M EUR; FY results include positive and negative special items of approximately 12M EUR in total 12
Q4 EBIT returned to positive at 16.2M EUR; FY results include positive and negative special items of approximately 12M EUR in total 12
Revenue accelerating ◦ 2024-03-11
Europace transaction volume exceeded the prior-year level in Q4 for the first time in roughly 18 months 12
Europace transaction volume exceeded the prior-year level in Q4 for the first time in roughly 18 months 12
Net income turned positive 2024-03-11
Net income turned positive for the first time after 2 negative periods (-1.0 to +23.7 EURm). 113
Net income turned positive for the first time after 2 negative periods (-1.0 to +23.7 EURm). 113
2023-Q3 · Jul – Sep 2023
„The private real estate financing market, which is central to many of our large subsidiaries, continues to find itself in an exceptional situation. Following the sharp downturn in late summer 2022, the turn of the year 2022/2023 brought a reversal of the trend with successively increasing lending volumes. However, since Q2/23 the market has lacked the necessary momentum to emerge swiftly from the deep trough, despite the underlying conditions being favorable. Stable long-term interest rates on account of moderating inflation, declining and now largely stable property prices, and galloping rents resulting from the massive decline in new construction are motivating many people to engage with the topic of homeownership. However, unclear political guidance on energy efficiency requirements, insufficient and restricted subsidy programs, and high ancillary costs – in particular transfer taxes – are inhibiting the actual conversion into purchasing activity for existing properties. This is dampening the recovery of the private real estate financing market. In this environment, we were once again able to slightly expand our market share and will benefit disproportionately from the gradual normalization of transaction activity in the future. The cost savings implemented in 2022 and the cost discipline maintained in 2023 continue to be of considerable importance in the current situation.“ – Ronald Slabke, Vorstandsvorsitzender 10 (translation – original on hover)
Margin expanding 2023-11-13
EBIT improved sequentially from -2.5M EUR to -1.1M EUR driven by revenue recovery and cost discipline 10
EBIT improved sequentially from -2.5M EUR to -1.1M EUR driven by revenue recovery and cost discipline 10
Guidance cut 2023-10-26
FY 2023 guidance cut again to revenue decline up to 25% vs prior year, group EBIT 10-15M EUR 9
FY 2023 guidance cut again to revenue decline up to 25% vs prior year, group EBIT 10-15M EUR 9
2023-Q2 · Apr – Jun 2023
„Following a solid start to the year for Hypoport SE, the positive business development did not continue in the second quarter with the expected momentum. The political debate surrounding the revision of the Building Energy Act unfortunately caused a decline in consumers' willingness to complete real estate purchases as well as a reluctance on the part of social housing organizations to undertake energy-related renovations. Under these circumstances, it was enormously important for us to maintain cost discipline and to rebalance our partnerships under the changed framework conditions. For the private real estate financing market, we continue to anticipate a gradual normalization. The relevant long-term trends remain intact: the desire for homeownership across broad segments of the population, a growing demand for residential space driven by migration and internal movement into metropolitan areas alongside an increasingly tight supply of attractive rental apartments, and an enormous need for investment on account of required energy upgrades.“ – Ronald Slabke, Vorstandsvorsitzender 8 (translation – original on hover)
Revenue decelerating 2023-07-31
Q2 revenue fell to 85.3M EUR (-9% Q-o-Q, -30% Y-o-Y); Immobilienplattform segment severely impacted by the GEG policy debate 7
Q2 revenue fell to 85.3M EUR (-9% Q-o-Q, -30% Y-o-Y); Immobilienplattform segment severely impacted by the GEG policy debate 7
Guidance cut 2023-07-31
FY 2023 guidance revised: revenue decline up to 15%, group EBIT at least 10M EUR 7
FY 2023 guidance revised: revenue decline up to 15%, group EBIT at least 10M EUR 7
2023-Q1 · Jan – Mar 2023
„Under the prevailing framework conditions, Hypoport has started 2023 successfully. We are taking action. We are gaining market share. We are rebalancing our partnerships under the changed framework conditions. We are maintaining cost discipline while at the same time investing as much as possible in future developments. And in the coming quarters we will reap the rewards when the market environment gradually normalizes again, as all long-term trends – such as immigration into Germany, a tight housing supply, and an enormous need for investment on account of required energy upgrades – remain intact.“ – Ronald Slabke, Vorstandsvorsitzender 2 (translation – original on hover)
Operating income turned positive 2023-05-08
EBIT turned positive at 0.8M EUR, recovering from a loss in Q4 2022 through cost reduction measures 2
EBIT turned positive at 0.8M EUR, recovering from a loss in Q4 2022 through cost reduction measures 2
revenue 2023-05-08
Q1 revenue at 93.7M EUR, up 7% vs Q4 2022; Kreditplattform transaction volume rose 7% to 16 bn EUR with market share gains 2
Q1 revenue at 93.7M EUR, up 7% vs Q4 2022; Kreditplattform transaction volume rose 7% to 16 bn EUR with market share gains 2
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Key Figures (€m)#
The company's core financial figures in three views, one below the other: fiscal years (as reported; after restatements the table shows the most recent filing version, marked), half-years (6-month basis, H2 = second half on its own) and quarters (3-month basis, not cumulative). Each row is one period, most recent first. Values with a dotted underline are clickable and show the raw value, the exact source location, the scale evidence and the source; derived values additionally show their formula and inputs. All values are extracted automatically from the filings; errors are possible; please verify decision-relevant figures yourself by clicking through to the linked original.
All figures serve only to support your own investment decision and are not a recommendation; the company's original reports are authoritative.
Revenue (€m) · annual basis, as reported
Net income (€m) · annual basis, as reported
EPS (€) · annual basis, as reported
Operating cash flow (€m) · annual basis, as reported
Revenue (€m) · quarterly basis, as reported
Net income (€m) · quarterly basis, as reported
EPS (€) · quarterly basis, as reported
Operating cash flow (€m) · quarterly basis, as reported
Cash (€m) · annual basis, as reported
Debt (€m) · annual basis, as reported
Net Debt (€m) · annual basis, as reported
Capex (€m) · annual basis, as reported
FCF (€m) · annual basis, as reported
Cash (€m) · quarterly basis, as reported
Debt (€m) · quarterly basis, as reported
Net Debt (€m) · quarterly basis, as reported
Capex (€m) · quarterly basis, as reported
FCF (€m) · quarterly basis, as reported
Shown: the most recent fiscal years. Full history since FY2021 is on record.
Fiscal years
Amounts in €m · EPS in € per share · as reported
| Period | Revenue | Op. income | Net income | EPS (€) | OCF | Source |
|---|---|---|---|---|---|---|
| FY2025 | 602.6 | 33 | 26 | 3.87 | 49.1 | 27 |
| FY2024 | 560.7 | 17.9 | 13.1 | 1.85 | -4.5~ | 128 |
| FY2023 | 359.9 | 13.3EBIT | 20.5 | 3.07 | -7.2~ | 113 |
Quarters
Amounts in €m · EPS in € per share · as reported
| Period | Published | Revenue | Op. income | Net income | EPS (€) | FCF | Cash | Net Debt | Source |
|---|---|---|---|---|---|---|---|---|---|
| 2026-Q2* | 2026-08-10 | 150.1 | 7.3EBIT | 4.9 | 0.78 | -5.7 | 90.4 | 7~ | 136 |
| 2026-Q1* | 2026-04-28 | 169.3 | 12.1EBIT | 8 | 1.18 | 24.5 | 103.8 | -73.7~ | 32 |
| 2025-Q4* | 2025-12-31 | 143.6 | 9.4 | 10 | 1.49*≈ | 7 | 91.9 | 45.3~ | 135 |
| 2025-Q3* | 2025-11-10 | 153.8 | 7.6~ | 5.1 | 0.76 | -2.1 | 77.2 | – | 25 |
| 2025-Q2* | 2025-08-11 | 145.8 | 7.4EBIT | 4.9 | 0.72 | -2.4 | 86.9 | 31.7 | 24 |
| 2025-Q1* | 2025-05-12 | 159.2 | 8.6 | 6 | 0.82 | 19 | 97.4 | -76.9~ | 38 |
| 2024-Q4* | 2024-12-31 | 151.1 | -3,478.8 | 5.7 | 0.81*≈ | -29.8 | 86.3 | -86.3 | 124 |
| 2024-Q3* | 2024-11-11 | 113.9~ | 3,192.1 | 1.7 | 0.26 | -2.1 | 58.9 | -38.4~ | 117 |
| 2024-Q2* | 2024-07-23 | 110.6~ | 300~EBIT | 2.5 | 0.36 | 1.7 | 69.8 | 49.5 | 18 |
| 2024-Q1* | 2024-05-06 | 133.6 | 4.6 | 3.2 | 0.45 | -2.9 | 75.6 | 48.8 | 23 |
| 2023-Q4* | 2024-03-11 | 92.8 | 16.2EBIT | 23.7 | – | -25.3 | 96.7 | 32.3 | 113 |
| 2023-Q3* | 2023-10-26 | 88.1 | -1.1~EBIT | -1 | -0.14 | -3.8 | 67.1 | 47.3 | 9 |
| 2023-Q2* | 2023-07-31 | 85.3 | -2.5~EBIT | -2.5 | -0.40 | -6.7 | 96.7~ | -78.4~ | 19 |
| 2023-Q1* | 2023-05-08 | 93.7 | 0.8 | 0.2 | 0.08 | -1.6 | 83.1 | 12.2 | 14 |
* derived: values with formula provenance (hover); Q4 = FY − 9M · H2 = FY − H1 · EPS via implied shares · net debt = financial debt − cash · FCF = OCF − |capex|.
The publication date of individual lines is a publisher placeholder (not the actual publication date).
Columns not reported in this reporting cadence are hidden: Op. income (adj.), EBITDA (adj.), EPS adj. (not reported in any source for these periods).
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Balance Sheet & Cash Flow (€m)#
Point-in-time balance sheet items (e.g. cash, financial debt) and cash flow items (operating cash flow, investments/capex) per fiscal year, half-year and quarter. Balance sheet values are as of the period end, flow items cover the period. Derived values are marked and are calculated, for example, as: net debt = financial debt − cash; free cash flow = operating cash flow − capex; the click popover shows formula and inputs. All values are extracted automatically from the filings; errors are possible; please verify decision-relevant figures yourself by clicking through to the linked original.
Fiscal years
Amounts in €m · as reported
| Period | Published | Cash | Debt | Net Debt | OCF | Capex | FCF | Source |
|---|---|---|---|---|---|---|---|---|
| FY2025 | 2025-12-31 | 91.9 | 137.1 | 45.3~ | 49.1 | 27.5 | 21.6 | 27 |
| FY2024 | 2024-12-31 | 86.3 | 0 | -86.3 | -4.5~ | 28.6 | -33~ | 128 |
| FY2023 | 2024-03-11 | 96.7 | 129 | 32.3 | -7.2~ | 30.2 | -37.4~ | 113 |
Quarters
Amounts in €m · as reported
| Period | Published | Cash | Debt | Net Debt | OCF | Capex | FCF | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-Q2 | 2026-08-10 | 90.4 | 97.4~ | 7~ | 1.2 | 6.9 | -5.7 | 136 |
| 2026-Q1 | 2026-04-28 | 103.8 | 30.1~ | -73.7~ | 31.5 | 7 | 24.5 | 32 |
| 2025-Q4 | 2025-12-31 | 91.9 | 137.1 | 45.3~ | 14.7 | 7.6 | 7 | 135 |
| 2025-Q3 | 2025-11-10 | 77.2 | – | – | 4.6 | 6.6 | -2.1 | 25 |
| 2025-Q2 | 2025-08-11 | 86.9 | 118.6 | 31.7 | 3.9 | 6.3 | -2.4 | 24 |
| 2025-Q1 | 2025-05-12 | 97.4 | 20.5~ | -76.9~ | 25.9 | 6.9 | 19 | 38 |
| 2024-Q4 | 2024-12-31 | 86.3 | 0 | -86.3 | -22.1 | 7.7 | -29.8 | 124 |
| 2024-Q3 | 2024-11-11 | 58.9 | 20.5~ | -38.4~ | 4.8 | 7 | -2.1 | 117 |
| 2024-Q2 | 2024-07-23 | 69.8 | 119.3 | 49.5 | 9.1 | 7.3 | 1.7 | 18 |
| 2024-Q1 | 2024-05-06 | 75.6 | 124.4 | 48.8 | 3.7 | 6.6 | -2.9 | 23 |
| 2023-Q4 | 2024-03-11 | 96.7 | 129 | 32.3 | -17.8 | 7.4 | -25.3 | 113 |
| 2023-Q3 | 2023-10-26 | 67.1 | 114.4 | 47.3 | 4 | 7.9 | -3.8 | 9 |
| 2023-Q2 | 2023-07-31 | 96.7~ | 18.3~ | -78.4~ | 0.1 | 6.9 | -6.7 | 19 |
| 2023-Q1 | 2023-05-08 | 83.1 | 95.3 | 12.2 | 6.4 | 8 | -1.6 | 14 |
Debt = long-term + current · Net debt = debt − cash · FCF = OCF − capex.
The publication date of individual lines is a publisher placeholder (not the actual publication date).
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Revenue by Type (as of 2026-Q2 · EURm · 4/8)#
Revenue split by segment or product type, exactly as the company itself reports it. The basis is stated next to each value (3, 6 or 12 months); segment totals can deviate from group revenue (reconciliation/consolidation items). If the company changes its segment structure, older structures are kept in the expandable part. Rows in grey are no longer reported separately by the company; they show the last available figures and are never extrapolated.
| Segment | Since | Period | Basis | Revenue | Margin | Source |
|---|---|---|---|---|---|---|
| Real Estate & Mortgage Platforms | 2023-H1 | 2026-H1 | 6M? | 235.1 | 28% | 35 |
| Financing Platforms | 2023-H1 | 2026-H1 | 6M | 38.6 | 5% | 35 |
| Insurance Platforms | 2023-H1 | 2026-H1 | 6M? | 31.2 | -2% | 35 |
| Holding | FY2024 | FY2025 | 12M | 1.8 | – | 27 |
| Credit Platform | 2022-H1 | FY2023 | 12M? | 155.8 | – | 11 |
| Retail Clients | 2022-H1 | FY2023 | 12M? | 81.7 | – | 11 |
| Insurance Platform | 2022-H1 | FY2023 | 12M | 65 | – | 11 |
| Real Estate Platform | 2022-H1 | FY2023 | 12M? | 56.4 | – | 11 |
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Products & M&A (2/11 active+recent)#
Product announcements from the reports; market launches, approvals, partnerships; with first mention (date) and source. “Active/current” means: still mentioned in the most recent reports; what the company no longer mentions moves to the expandable part but is never deleted. Rows in grey are discontinued products.
| Product/Line | Since | Status | Source |
|---|---|---|---|
| Integration of AI-based solutions into platforms | 2025 | Launched | 27 |
| Corify industrial insurance platform pilot customer onboarding | 2025 | Launched | 27 |
| ePension platform for company pensions (2x) | 2025 | Launched | 17 |
| Migration of portfolios to SMART INSUR platform (2×) | 2025 | Launched | 11 |
| Smart Insur platform (2×) | 2024-06 | Launched | 17 |
| Acquisition of first industrial insurance brokers at Corify | 2023-12 | Launched | 5 |
| Corify industrial insurance marketplace | 2023-12 | Launched | 14 |
| Corify industrial insurance marketplace - product applications in test phase | 2023-12 | Launched | 3 |
| ePension platform additional industrial insurance brokers | 2023 | Launched | 15 |
| Realignment of Value AG | 2023 | Launched | 11 |
| Corify platform for industrial insurance (5×) | 2023 | Launched | 16 |
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M&A (5)#
All recorded acquisitions (purchases) and divestitures/exits with date, short description and source; deliberately including smaller transactions that summaries often miss. Purchase prices appear only where the company itself has disclosed them. Rows in grey are cancelled transactions; the cancellation date is shown in the row.
Acquisitions · 5Divestitures/exits · 0
Acquisitions
| Transaction / stake | Date | Type | Source |
|---|---|---|---|
| Loan Commerzbank AG | 2025-09 | Completed | 27 |
| ePension entities acquisition | 2024-03 | Completed | 14 |
| Acquisition of remaining 49% stake in epension GmbH and E&P Pensionsmanagement GmbH (2×) | 2024 | Completed | 15 |
| ePension partnership with Funk Gruppe | 2023-03 | Completed | 3 |
| Capital increase (2×) | 2023-01 | Completed | 11 |
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Reported KPIs (as disclosed) (367)#
Figures the company discloses itself in addition to the standard financials; order intake, recurring revenue, user or unit counts, adjusted measures. These “story KPIs” usually slip through standard databases; here they are collected as reported, with no calculation of our own. Important: the definition comes from the company itself and can differ from firm to firm; period and source are stated next to every value.
Company-specific KPIs verbatim from the filings (English, as disclosed; not normalised). Balance-sheet and boilerplate items filtered.
| Date | Period | KPI | Value / change | Source |
|---|---|---|---|---|
| 2026-08-10 | 2026-H1 | Value of secured and appraised residential properties VALUE AG | 21,18 (EUR Mrd. €) | 35 |
| 2026-08-10 | 2026-H1 | Volume of managed rental deposits | 1,36 | 35 |
| 2026-08-10 | 2026-H1 | Sales volume Dr. Klein retail clients | 3,99 | 35 |
| 2026-08-10 | 2026-H1 | Transaction volume installment credit Europace | 4,04 | 35 |
| 2026-08-10 | 2026-H1 | Transaction volume real estate financing Europace | 38,31 | 35 |
| 2026-08-10 | 2026-H1 | Private insurance - Migrated premium volume on SMART INSUR | 5,87 | 35 |
| 2026-08-10 | 2026-H1 | Private insurance - Migrated & validated premium volume on SMART INSUR | 2,55 | 35 |
| 2026-08-10 | 2026-H1 | Commercial insurance - Migrated premium volume on Corify | 0,30 | 35 |
| 2026-08-10 | 2026-H1 | Business volume corporate finance REM Capital | 1,19 | 35 |
| 2026-08-10 | 2026-H1 | Equity ratio | 57,7% | 35 |
| 2026-08-10 | 2026-H1 | EBIT margin (based on gross profit) | 14,1% | 35 |
| 2026-08-10 | 2026-H1 | Occupational pension - Managed premium volume on ePension | 0,37 | 35 |
| 2026-08-10 | 2026-H1 | Residential units managed WoWi Digital | 734 Tsd. | 35 |
| 2026-05-11 | 2026-Q1 | Value of inspected and appraised residential properties VALUE AG | 10,84 (EUR Mrd. €) | 34 |
| 2026-05-11 | 2026-Q1 | Volume of managed rental deposits | 1,33 | 34 |
| 2026-05-11 | 2026-Q1 | Residential units managed WoWi Digital | 710 | 34 |
| 2026-05-11 | 2026-Q1 | Sales volume | 2,17 | 34 |
| 2026-05-11 | 2026-Q1 | Brokerage volume Dr Klein Wowi | 0,34 | 34 |
| 2026-05-11 | 2026-Q1 | Transaction volume real estate financing Europace | 20,26 | 34 |
| 2026-05-11 | 2026-Q1 | Transaction volume Europace consumer loans | 2,08 | 34 |
| 2026-05-11 | 2026-Q1 | Private insurance migrated validated premium volume SMART INSUR | 2,47 | 34 |
| 2026-05-11 | 2026-Q1 | Private insurance migrated premium volume SMART INSUR | 5,73 | 34 |
| 2026-05-11 | 2026-Q1 | Employees | 2.201 | 34 |
| 2026-05-11 | 2026-Q1 | Commercial insurance premium volume Corify | 0,30 | 34 |
| 2026-05-11 | 2026-Q1 | Business volume REM Capital | 0,87 (EUR Mrd. €) | 34 |
| 2026-05-11 | 2026-Q1 | Genopace transaction volume | 5,49 | 34 |
| 2026-05-11 | 2026-Q1 | Finmas transaction volume | 3,48 | 34 |
| 2026-05-11 | 2026-Q1 | Equity ratio | 55,2 | 34 |
| 2026-05-11 | 2026-Q1 | Dr Klein private clients transaction volume | 1,35 | 34 |
| 2026-05-11 | 2026-Q1 | Occupational pension managed premium volume ePension | 0,36 | 34 |
| 2026-03-13 | FY2025 | Value of secured appraised residential properties VALUE AG | 37,14 (EUR Mrd. €) | 27 |
| 2026-03-13 | FY2025 | Residential units managed WoWi Digital | 665 | 27 |
| 2026-03-13 | FY2025 | Managed rental deposits | 1,33 | 27 |
| 2026-03-13 | FY2025 | Transaction volume residential mortgage financing Europace | 74,79 | 27 |
| 2026-03-13 | FY2025 | Transaction volume Europace consumer loans | 7,17 | 27 |
| 2026-03-13 | FY2025 | private insurance migrated validated premium volume | 2,34 | 27 |
| 2026-03-13 | FY2025 | private insurance migrated premium volume | 5,57 | 27 |
| 2026-03-13 | FY2025 | net financial debt | 83.767 | 27 |
| 2026-03-13 | FY2025 | commercial insurance migrated premium volume | 0,30 | 27 |
| 2026-03-13 | FY2025 | business volume corporate finance rem capital | 2,68 | 27 |
| 2026-03-13 | FY2025 | genopace transaction volume | 19,56 | 27 |
| 2026-03-13 | FY2025 | finmas transaction volume | 11,35 | 27 |
| 2026-03-13 | FY2025 | financing platform brokerage volume | 1,38 | 27 |
| 2026-03-13 | FY2025 | equity ratio | 54,3% | 27 |
| 2026-03-13 | FY2025 | dr klein private clients distribution volume | 7,79 | 27 |
| 2026-03-13 | FY2025 | occupational pension administered premium volume | 0,34 | 27 |
| 2026-03-13 | FY2025 | home savings transaction volume europace | 5,89 | 27 |
| 2026-03-13 | FY2025 | leverage ratio prior year | 28% | 27 |
| 2026-03-13 | FY2025 | leverage ratio | 22% | 27 |
| 2026-03-13 | FY2025 | lead costs | 9.768 | 27 |
| 2026-03-13 | FY2025 | credit line utilization | 1.973 | 27 |
| 2026-03-13 | FY2025 | equity prior year | 357.792 | 27 |
| 2026-03-13 | FY2025 | equity | 379.970 | 27 |
| 2026-03-13 | FY2025 | Available credit line | 14.027 | 27 |
| – | FY2025 | revenue taxonomy-eligible but not environmentally sustainable activities | 0 | 26 |
| – | FY2025 | Revenue from non-taxonomy-eligible activities | 602,612 | 26 |
| – | FY2025 | Revenue from taxonomy-aligned economic activities | 0 | 26 |
| – | FY2025 | OpEx of environmentally sustainable activities | 0 (EUR Mio. €) | 26 |
| – | FY2025 | OpEx of taxonomy-eligible but not environmentally sustainable activities | 10,256 (EUR Mio. €) | 26 |
| – | FY2025 | OpEx of non-taxonomy-eligible activities | 11,135 (EUR Mio. €) | 26 |
| – | FY2025 | Employee satisfaction (eNPS) - Satisfied or extremely satisfied | 80,76% | 26 |
| – | FY2025 | Manufacture of electrical and electronic equipment (OpEx) | 1,124 (EUR Mio. €) | 26 |
| – | FY2025 | Acquisition and ownership of buildings (CapEx) | 1,395 (EUR Mio. €) | 26 |
| – | FY2025 | Permanent employees | 2.325 | 26 |
| – | FY2025 | Data processing, hosting and related activities (OpEx) | 8,735 (EUR Mio. €) | 26 |
| – | FY2025 | Data processing, hosting and related activities (CapEx) | 0,370 (EUR Mio. €) | 26 |
| – | FY2025 | CapEx of environmentally sustainable activities | 0 (EUR Mio. €) | 26 |
| – | FY2025 | CapEx of taxonomy-eligible but not environmentally sustainable activities | 4,021 (EUR Mio. €) | 26 |
| – | FY2025 | CapEx of non-taxonomy-eligible activities | 27,149 (EUR Mio. €) | 26 |
| – | FY2025 | Operation of personal mobility devices, cycling logistics (OpEx) | 0,397 (EUR Mio. €) | 26 |
| – | FY2025 | Employees in the Netherlands | 59 | 26 |
| – | FY2025 | Employees in Germany | 2.314 | 26 |
| – | FY2025 | Employees in Bulgaria | 63 | 26 |
| – | FY2025 | Transport by motorcycles, passenger cars and light commercial vehicles (CapEx) | 2,255 (EUR Mio. €) | 26 |
| – | FY2025 | Temporary employees | 111 | 26 |
| – | FY2025 | Number of Employees - Female | 1.078 | 26 |
| – | FY2025 | Number of Employees - Male | 1.357 | 26 |
| – | FY2025 | Number of Employees - Total | 2.436 | 26 |
| – | FY2025 | Number of Employees - Diverse | 1 | 26 |
| 2025-11-10 | 2025-Q3 | Value of inspected and appraised residential properties VALUE AG | 27,38 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Volume of managed rental deposits | 1,27 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Residential units managed WoWi Digital | 612 | 25 |
| 2025-11-10 | 2025-Q3 | Brokerage Volume Dr. Klein Wowi | 0,97 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Transaction volume real estate financing Europace | 57,13 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Transaction volume Europace consumer loans | 5,43 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Private Insurance - Validated Volume on SMART INSUR | 1,98 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Private insurance - Migrated premium volume on SMART INSUR | 5,13 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Commercial insurance - Migrated premium volume on Corify | 0,25 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Business volume corporate finance REM Capital | 1,77 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Genopace transaction volume | 14,76 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Finmas transaction volume | 8,70 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Equity ratio | 54,9 % | 25 |
| 2025-11-10 | 2025-Q3 | Dr. Klein Private Clients Sales Volume | 5,92 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Total Assets | 683.410 | 25 |
| 2025-11-10 | 2025-Q3 | Occupational pension - Managed premium volume on ePension | 0,32 Mrd. € | 25 |
| 2025-11-10 | 2025-Q3 | Home Savings Europace Transaction Volume | 4,52 Mrd. € | 25 |
| 2025-08-11 | 2025-Q2 | of which Genopace | 9,81 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | of which Finmas | 5,84 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Value of Secured Assessed Residential Properties VALUE AG | 17,92 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Volume of managed rental deposits | 1,23 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Residential units managed WoWi Digital | 568 Tsd. | 24 |
| 2025-08-11 | 2025-Q2 | Brokerage volume Dr Klein Wowi | 0,60 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Transaction volume Europace consumer loans | 3,64 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Transaction Volume Europace | 38,35 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Private Insurance Validation Rate | 1,93 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Private Insurance Migrated Premium Volume SMART INSUR | 4,97 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Commercial Insurance Migrated Premium Volume Corify | 0,20 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Business Volume Corporate Finance REM Capital | 1,10 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Equity ratio | 53,9% | 24 |
| 2025-08-11 | 2025-Q2 | Dr Klein private clients transaction volume | 3,99 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Occupational Pension Managed Premium Volume ePension | 0,31 Mrd. € | 24 |
| 2025-08-11 | 2025-Q2 | Home Savings Europace | 3,05 Mrd. € | 24 |
| 2025-05-12 | 2025-Q1 | Value of Secured Assessed Residential Properties VALUE AG | 9,11 (EUR Mrd. €) | 23 |
| 2025-05-12 | 2025-Q1 | Volume of managed rental deposits | 1,21 | 23 |
| 2025-05-12 | 2025-Q1 | Residential units managed WoWi Digital | 532,9 | 23 |
| 2025-05-12 | 2025-Q1 | Sales Volume Dr. Klein Private Clients | 2,15 | 23 |
| 2025-05-12 | 2025-Q1 | Brokerage volume Dr Klein Wowi | 0,25 | 23 |
| 2025-05-12 | 2025-Q1 | Transaction volume instalment credit | 1,85 | 23 |
| 2025-05-12 | 2025-Q1 | Transaction volume real estate financing Europace | 20,38 | 23 |
| 2025-05-12 | 2025-Q1 | Transaction volume Genopace | 5,23 | 23 |
| 2025-05-12 | 2025-Q1 | Transaction volume Finmas | 3,03 | 23 |
| 2025-05-12 | 2025-Q1 | Transaction volume home savings Europace | 1,77 | 23 |
| 2025-05-12 | 2025-Q1 | Private insurance migrated premium volume SMART INSUR | 4,81 | 23 |
| 2025-05-12 | 2025-Q1 | Private Insurance Validation Rate | 1,9 | 23 |
| 2025-05-12 | 2025-Q1 | Employees | 2.219 | 23 |
| 2025-05-12 | 2025-Q1 | Commercial insurance premium volume Corify | 0,2 | 23 |
| 2025-05-12 | 2025-Q1 | Business volume corporate finance REM Capital | 0,40 (EUR Mrd. €) | 23 |
| 2025-05-12 | 2025-Q1 | Cash and cash equivalents | 97.360 | 23 |
| 2025-05-12 | 2025-Q1 | Equity ratio | 52,5 | 23 |
| 2025-05-12 | 2025-Q1 | Total Assets | 693.590 | 23 |
| 2025-05-12 | 2025-Q1 | Occupational pension managed premium volume ePension | 0,28 | 23 |
| 2025-03-17 | FY2024 | Target satisfaction rate | mind. 75% | 22 |
| 2025-03-17 | FY2024 | Brokered loan volume Dr. Klein Wowi | 737,73 | 22 |
| 2025-03-17 | FY2024 | Permanent employment contracts in Germany | 2.120 | 22 |
| 2025-03-17 | FY2024 | Transaction volume energy-efficient financing | rund 6 Mrd. | 22 |
| 2025-03-17 | FY2024 | Scope 3 emissions investments | 82,35 | 22 |
| 2025-03-17 | FY2024 | Scope 3 emissions business travel | 56,35 | 22 |
| 2025-03-17 | FY2024 | Scope 3 emissions purchased goods and services | 68,59 | 22 |
| 2025-03-17 | FY2024 | Scope 2 emissions heat | 649,99 | 22 |
| 2025-03-17 | FY2024 | Scope 2 emissions electricity | 218,27 | 22 |
| 2025-03-17 | FY2024 | Scope 1 emissions vehicle fleet | 2.078,14 | 22 |
| 2025-03-17 | FY2024 | REM Capital AG environmental revenue share | 59% | 22 |
| 2025-03-17 | FY2024 | OpEx taxonomy-eligible activities | 10,181 (EUR Mio. €) | 22 |
| 2025-03-17 | FY2024 | OpEx of non-taxonomy-eligible activities | 10,542 (EUR Mio. €) | 22 |
| 2025-03-17 | FY2024 | Total OpEx | 20,723 (EUR Mio. €) | 22 |
| 2025-03-17 | FY2024 | Headcount | 2.219 | 22 |
| 2025-03-17 | FY2024 | Kununu Satisfaction vs. Banking Sector | 14% | 22 |
| 2025-03-17 | FY2024 | KfW Energy Efficiency Programmes Brokered Volume Dr. Klein Wowi | 85,76 | 22 |
| 2025-03-17 | FY2024 | Employee Attraction and Retention Satisfaction Rate | rund 73% | 22 |
| 2025-03-17 | FY2024 | Total Emissions | 3.153,69 | 22 |
| 2025-03-17 | FY2024 | Share of Women in Management Positions | über 35% | 22 |
| 2025-03-17 | FY2024 | Energy-Efficient Financings on Europace | rund 10% | 22 |
| 2025-03-17 | FY2024 | Average Employee Age | 40,6 | 22 |
| 2025-03-17 | FY2024 | Dr. Klein Private Clients Recommendation Rate | über 98% | 22 |
| 2025-03-17 | FY2024 | Dr. Klein Private Clients Rating | 4,9 | 22 |
| 2025-03-17 | FY2024 | Candidate Experience Rating | 4,75 | 22 |
| 2025-03-17 | FY2024 | CO2 Savings from Water Bottle Transport | 12.589 | 22 |
| 2025-03-17 | FY2024 | Occupational Pension Plan | vorhanden | 22 |
| 2025-03-17 | FY2024 | Share of Permanent Employment Contracts | 96% | 22 |
| 2025-03-17 | FY2024 | Share of Mobile Working | über 55% | 22 |
| 2025-03-17 | FY2024 | Share of KfW Energy Efficiency Programmes at Dr. Klein Wowi | 12% | 22 |
| 2025-03-17 | FY2024 | Job Offer Acceptance Rate | über 87% | 22 |
| 2025-03-11 | FY2024 | Volume of managed rental deposits | 1,18 | 17 |
| 2025-03-11 | FY2024 | Residential units managed WoWi Digital | 415,7 | 17 |
| 2025-03-11 | FY2024 | leverage ratio prior year | 25% | 17 |
| 2025-03-11 | FY2024 | leverage ratio | 28% | 17 |
| 2025-03-11 | FY2024 | Brokered Volume Financing Platform Dr. Klein Wowi | 1,18 | 17 |
| 2025-03-11 | FY2024 | Brokered Volume Dr. Klein Private Clients | 6,92 | 17 |
| 2025-03-11 | FY2024 | Transaction volume real estate financing Europace | 66,11 | 17 |
| 2025-03-11 | FY2024 | Transaction volume Europace consumer loans | 6,03 | 17 |
| 2025-03-11 | FY2024 | Return on Investment | 3,4% | 17 |
| 2025-03-11 | FY2024 | Private Insurance Migrated Premium Volume on SMART INSUR | 4,69 | 17 |
| 2025-03-11 | FY2024 | Private Insurance Migrated & Validated Premium Volume on SMART INSUR | 1,83 | 17 |
| 2025-03-11 | FY2024 | Personnel Expenses | 171.692 | 17 |
| 2025-03-11 | FY2024 | Deferred Tax Liabilities (Prior Year) | 18.060 | 17 |
| 2025-03-11 | FY2024 | Deferred Tax Liabilities | 15.944 | 17 |
| 2025-03-11 | FY2024 | Cash Ratio | 51,4% | 17 |
| 2025-03-11 | FY2024 | Current Income Tax Assets (Prior Year) | 3.904 | 17 |
| 2025-03-11 | FY2024 | Current Income Tax Assets | 6.122 | 17 |
| 2025-03-11 | FY2024 | Business volume corporate finance REM Capital | 1,46 | 17 |
| 2025-03-11 | FY2024 | Debt Ratio | 48,7% | 17 |
| 2025-03-11 | FY2024 | Total Development Costs | 45.2 | 17 |
| 2025-03-11 | FY2024 | Return on Equity | 11,2% | 17 |
| 2025-03-11 | FY2024 | Equity ratio | 51,3 | 17 |
| 2025-03-11 | FY2024 | EBIT Margin | 7,4% | 17 |
| 2025-03-11 | FY2024 | Coverage Ratio I | 84,7% | 17 |
| 2025-03-11 | FY2024 | Total Assets | 696.873 | 17 |
| 2025-03-11 | FY2024 | Occupational Pension Managed Premium Volume on ePension | 0,29 | 17 |
| 2025-03-11 | FY2024 | Capitalised Own Work | 22.4 | 17 |
| 2025-03-11 | FY2024 | Deferred Tax Assets (Prior Year) | 21.996 | 17 |
| 2025-03-11 | FY2024 | Deferred Tax Assets | 27.144 | 17 |
| 2024-11-11 | 2024-Q3 | Value of Marketed Properties FIO | 8,44 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Value of Secured Assessed Residential Properties VALUE AG | 23,43 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Volume of managed rental deposits | 1,16 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Digitally Managed Residential Units | 374.100 | 16 |
| 2024-11-11 | 2024-Q3 | Brokerage volume Dr Klein Wowi | 0,80 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Transaction volume installment credit Europace | 4,77 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Transaction volume property finance Europace 9M 2023 | 39,14 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Transaction volume real estate financing Europace | 48,30 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Gross profit | 170,3 | 21 |
| 2024-11-11 | 2024-Q3 | Private insurance migrated validated premium volume | 1,80 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Private insurance migrated premium volume | 4,69 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | New business volume Corporate Finance REM Book | 1,82 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Industrial insurance migrated premium volume | 0,1 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Business volume Corporate Finance REM Bill | 1,09 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Genopace transaction volume | 11,81 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Finmas transaction volume | 7,32 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Dr Klein retail clients distribution volume | 4,99 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Occupational pension premium volume | 0,27 Mrd. € | 16 |
| 2024-11-11 | 2024-Q3 | Home Savings Europace | 4,89 Mrd. € | 16 |
| 2024-10-29 | 2024-Q3 | Gross profit Q3/24 | 57 Mio. Euro | 20 |
| 2024-10-29 | 2024-Q3 | Gross profit Q3/23 | 51 Mio. Euro | 20 |
| 2024-10-29 | 2024-Q3 | Gross profit 9M/24 | 170 Mio. Euro | 20 |
| 2024-10-29 | 2024-Q3 | Gross profit 9M/23 | 153 Mio. Euro | 20 |
| 2024-08-12 | 2024-H1 | Value of Marketed Properties FIO | 5,35 | 15 |
| 2024-08-12 | 2024-H1 | Value of Secured Assessed Residential Properties VALUE AG | 15,41 (EUR Mrd. €) | 15 |
| 2024-08-12 | 2024-H1 | Volume of managed rental deposits | 1,14 | 15 |
| 2024-08-12 | 2024-H1 | Residential units managed WoWi Digital | 358.800 | 15 |
| 2024-08-12 | 2024-H1 | Sales Volume Dr. Klein Private Clients | 3,25 | 15 |
| 2024-08-12 | 2024-H1 | Brokerage volume financing platform Dr Klein Wowi | 0,52 | 15 |
| 2024-08-12 | 2024-H1 | Transaction volume real estate financing Europace | 31,22 | 15 |
| 2024-08-12 | 2024-H1 | Transaction volume Genopace | 7,49 | 15 |
| 2024-08-12 | 2024-H1 | Transaction volume Finmas | 4,74 | 15 |
| 2024-08-12 | 2024-H1 | Transaction volume Europace consumer loans | 3,26 | 15 |
| 2024-08-12 | 2024-H1 | Transaction volume home savings Europace | 3,25 | 15 |
| 2024-08-12 | 2024-H1 | Private insurance validated premium volume SMART INSUR | 1,71 | 15 |
| 2024-08-12 | 2024-H1 | Private insurance migrated premium volume SMART INSUR | 4,55 | 15 |
| 2024-08-12 | 2024-H1 | New business volume REM Capital | 1,40 (EUR Mrd. €) | 15 |
| 2024-08-12 | 2024-H1 | Industrial insurance migrated premium volume Corify | 0,10 | 15 |
| 2024-08-12 | 2024-H1 | Equity ratio | 56,8 | 15 |
| 2024-08-12 | 2024-H1 | Occupational pension managed premium volume ePension | 0,26 | 15 |
| 2024-08-12 | 2024-H1 | Employees headcount 30 06 2024 | 2.244 | 15 |
| 2024-08-12 | 2024-H1 | Employees Average H1 2024 | 2.232 | 15 |
| 2024-05-06 | 2024-Q1 | Value of Marketed Properties FIO | 2,47 | 14 |
| 2024-05-06 | 2024-Q1 | Value of inspected and appraised residential properties VALUE AG | 7,91 (EUR Mrd. €) | 14 |
| 2024-05-06 | 2024-Q1 | Volume of managed rental deposits | 1,11 | 14 |
| 2024-05-06 | 2024-Q1 | Residential units managed WoWi Digital | 313,1 | 14 |
| 2024-05-06 | 2024-Q1 | Brokerage Volume Dr. Klein Wowi | 0,33 | 14 |
| 2024-05-06 | 2024-Q1 | Transaction volume installment credit Europace | 1,65 | 14 |
| 2024-05-06 | 2024-Q1 | Transaction Volume Europace (Prior Year) | 12,95 | 14 |
| 2024-05-06 | 2024-Q1 | Transaction Volume Europace | 15,13 | 14 |
| 2024-05-06 | 2024-Q1 | Private Insurance Validation Rate | 36,1 | 14 |
| 2024-05-06 | 2024-Q1 | Private Insurance Migrated Premium Volume | 4,28 | 14 |
| 2024-05-06 | 2024-Q1 | New Business Volume Corporate Finance REM Capital | 0,27 | 14 |
| 2024-05-06 | 2024-Q1 | Employees | 2.220 | 14 |
| 2024-05-06 | 2024-Q1 | Industrial Insurance Migrated Premium Volume | 0,1 | 14 |
| 2024-05-06 | 2024-Q1 | Genopace transaction volume | 3,58 | 14 |
| 2024-05-06 | 2024-Q1 | Finmas transaction volume | 2,28 | 14 |
| 2024-05-06 | 2024-Q1 | Equity ratio | 57,1 | 14 |
| 2024-05-06 | 2024-Q1 | EBIT Margin | 7,5 (EUR %) | 14 |
| 2024-05-06 | 2024-Q1 | Dr. Klein Sales Volume | 1,65 | 14 |
| 2024-05-06 | 2024-Q1 | Occupational Pension Administered Premium Volume | 0,24 | 14 |
| 2024-05-06 | 2024-Q1 | Home Savings Transaction Volume Europace | 1,62 | 14 |
| 2024-03-25 | FY2023 | Cash and Cash Equivalents | 96.658 | 11 |
| 2024-03-25 | FY2023 | leverage ratio | 26 % | 11 |
| 2024-03-25 | FY2023 | Brokerage Volume Retail Clients | 5,8 | 11 |
| 2024-03-25 | FY2023 | Validation Rate | 35,0 | 11 |
| 2024-03-25 | FY2023 | Transaction Volume Credit Platform | 64,5 | 11 |
| 2024-03-25 | FY2023 | Transaction Volume Real Estate Finance | 51,9 | 11 |
| 2024-03-25 | FY2023 | Return on Investment | 2,6 % | 11 |
| 2024-03-25 | FY2023 | Net Debt | 86.914 | 11 |
| 2024-03-25 | FY2023 | Employees Period Average | 2.199 | 11 |
| 2024-03-25 | FY2023 | Migrated Premium Volume | 4,13 | 11 |
| 2024-03-25 | FY2023 | Cash Ratio | 84,6 % | 11 |
| 2024-03-25 | FY2023 | Group Net Income | 20.493 | 11 |
| 2024-03-25 | FY2023 | Subscribed Capital | 6.872.164,00 | 11 |
| 2024-03-25 | FY2023 | Weighted Average Shares Outstanding | 6.668 | 11 |
| 2024-03-25 | FY2023 | Debt Ratio | 45,6 % | 11 |
| 2024-03-25 | FY2023 | Equity Ratio Prior Year | 46,7 | 11 |
| 2024-03-25 | FY2023 | Equity ratio | 54,5 | 11 |
| 2024-03-25 | FY2023 | equity | 340.643 | 11 |
| 2024-03-25 | FY2023 | Treasury Shares | 183.955 | 11 |
| 2024-03-25 | FY2023 | EBIT Margin | 6,4 % | 11 |
| 2024-03-25 | FY2023 | Coverage Ratio I | 81,4 % | 11 |
| 2024-03-25 | FY2023 | Cash Flow Return on Equity | 10,8 % | 11 |
| 2024-03-25 | FY2023 | Total Assets | 625.774 | 11 |
| 2024-03-25 | FY2023 | Number of Financial Advisors | 514 | 11 |
| 2024-03-25 | FY2023 | Share Count | 6.872.164 | 11 |
| – | FY2023 | Maintenance of Energy-Efficient Devices 2023 | 421 | 6 |
| – | FY2023 | Brokered Loan Volume 2022 | 2,02 | 6 |
| – | FY2023 | Permanent Employment Contracts 2023 | 96 % | 6 |
| – | FY2023 | Revenue Share Taxonomy-Aligned 2023 | 0 % | 6 |
| – | FY2023 | Revenue REM Capital Environmental Concerns 2023 | 59 % | 6 |
| – | FY2023 | Taxonomy-Eligible Activities Revenue 2023 | 0 | 6 |
| – | FY2023 | Executive Management Positions Women 2023 | 21 | 6 |
| – | FY2023 | OpEx Taxonomy-Aligned 2023 | 0 (EUR Tsd. Euro) | 6 |
| – | FY2023 | OpEx Taxonomy-Eligible 2023 | 421 (EUR Tsd. Euro) | 6 |
| – | FY2023 | OpEx Non-Taxonomy-Eligible 2023 | 1.159 (EUR Tsd. Euro) | 6 |
| – | FY2023 | OpEx Share Taxonomy-Eligible 2023 | 27 % | 6 |
| – | FY2023 | Employee Satisfaction 2023 | 88 % | 6 |
| – | FY2023 | Total Employees 31 12 2023 | 2.209 | 6 |
| – | FY2023 | Corruption Violations 2023 | 0 | 6 |
| – | FY2023 | Corruption Violations 2022 | 0 | 6 |
| – | FY2023 | Real Estate Financing Volume KfW 2022 | 184 | 6 |
| – | FY2023 | Hybrid vehicles fleet 2023 | 39 | 6 |
| – | FY2023 | Total revenue 2023 | 359.893 | 6 |
| – | FY2023 | Total opex 2023 | 1.580 (EUR Tsd. Euro) | 6 |
| – | FY2023 | Total capex 2023 | 30.185 | 6 |
| – | FY2023 | Total management positions 2023 | 88 | 6 |
| – | FY2023 | Share of women in leadership 2023 | 34,8 % | 6 |
| – | FY2023 | Share of women in workforce 2023 | 45,5 % | 6 |
| – | FY2023 | Electric vehicles fleet 2023 | 16 | 6 |
| – | FY2023 | EV leasing CapEx 2023 | 771 (EUR Tsd. Euro) | 6 |
| – | FY2023 | Dr Klein recommendation rate | über 98 % | 6 |
| – | FY2023 | Dr Klein customer rating 2023 | 4,9 | 6 |
| – | FY2023 | Share of diverse employees 2023 | 0,04 % | 6 |
| – | FY2023 | Share of diverse leadership 2023 | 0,3 % | 6 |
| – | FY2023 | CapEx taxonomy-aligned 2023 | 0 (EUR Tsd. Euro) | 6 |
| – | FY2023 | CapEx taxonomy-eligible 2023 | 789 (EUR Tsd. Euro) | 6 |
| – | FY2023 | CapEx non-taxonomy-eligible 2023 | 29.396 (EUR Tsd. Euro) | 6 |
| – | FY2023 | CapEx share taxonomy-eligible 2023 | 3 % | 6 |
| – | FY2023 | Candidate Experience Score | 5,33 | 6 |
| – | FY2023 | Campus construction CapEx 2023 | 18 (EUR Tsd. Euro) | 6 |
| – | FY2023 | CO2 per employee 2023 | 0,88 | 6 |
| – | FY2023 | CO2 Reduction Business Travel 2023 | -7 % | 6 |
| – | FY2023 | CO2 Compensation Fleet 2023 | 1.375 | 6 |
| – | FY2023 | CO2 Emissions Fleet 2023 | 1.926 | 6 |
| – | FY2023 | CO2 Emissions Business Travel 2023 | 303 | 6 |
| – | FY2023 | CO2 Savings Quooker Installation | 12.589 | 6 |
| – | FY2023 | CO2 Savings Rail Usage 2023 | 482 | 6 |
| – | FY2023 | Number of Customers Dr Klein | 66.000 | 6 |
| – | FY2023 | Share KfW Brokerage Volume 2022 | 9 % | 6 |
| – | FY2023 | Share Hybrid Vehicles 2023 | 10 % | 6 |
| – | FY2023 | Share Women Executive Management 2023 | 23,8 % | 6 |
| – | FY2023 | Share Electric Vehicles 2023 | 4 % | 6 |
| 2023-11-13 | 2023-Q3 | Value Marketed Properties | 2,6 | 5 |
| 2023-11-13 | 2023-Q3 | Value Appraised Properties | 7,3 | 5 |
| 2023-11-13 | 2023-Q3 | Managed Residential Units | über 250.000 | 5 |
| 2023-11-13 | 2023-Q3 | Brokerage Volume Financing Platform | 0,25 | 5 |
| 2023-11-13 | 2023-Q3 | Brokerage Volume Dr Klein | 1,5 | 5 |
| 2023-11-13 | 2023-Q3 | Validation Rate | 32,9 | 5 |
| 2023-11-13 | 2023-Q3 | Transaction volume instalment credit | 1,4 | 5 |
| 2023-11-13 | 2023-Q3 | Transaction Volume Real Estate Finance | 14,0 | 5 |
| 2023-11-13 | 2023-Q3 | Transaction Volume GENOPACE | 3,2 | 5 |
| 2023-11-13 | 2023-Q3 | Transaction Volume FINMAS | 1,9 | 5 |
| 2023-11-13 | 2023-Q3 | Transaction Volume Europace | 17,0 | 5 |
| 2023-11-13 | 2023-Q3 | Transaction Volume Home Savings | 1,8 | 5 |
| 2023-11-13 | 2023-Q3 | Employees Year-End | 2.190 | 5 |
| 2023-11-13 | 2023-Q3 | Migrated Premium Volume | 4,12 | 5 |
| 2023-11-13 | 2023-Q3 | Non-current assets | 449.771 | 5 |
| 2023-11-13 | 2023-Q3 | Current assets | 141.563 | 5 |
| 2023-11-13 | 2023-Q3 | Cash and cash equivalents | 67.068 | 5 |
| 2023-11-13 | 2023-Q3 | Equity ratio | 54,3 | 5 |
| 2023-11-13 | 2023-Q3 | equity | 321.368 | 5 |
| 2023-11-13 | 2023-Q3 | Average employees | 2.196 | 5 |
| 2023-11-13 | 2023-Q3 | Total Assets | 591.334 | 5 |
| 2023-11-13 | 2023-Q3 | Branch network advisors | 545 | 5 |
| 2023-08-14 | 2023-H1 | Gross profit | 102.200 | 4 |
| 2023-08-14 | 2023-H1 | Headcount | 2.182 | 4 |
| 2023-08-14 | 2023-Q2 | Europace transaction volume | 16 Mrd. € | 8 |
| 2023-08-14 | 2023-H1 | Equity ratio | 52,6 | 4 |
| 2023-08-14 | 2023-H1 | EBIT margin (based on gross profit) | -1,7 (EUR %) | 4 |
| 2023-08-14 | 2023-Q2 | Dr. Klein financing volume | 1,4 Mrd. € | 8 |
| 2023-08-14 | 2023-H1 | Total Assets | 613.006 | 4 |
| 2023-05-08 | 2023-Q1 | thereof personal loans | 1,4 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | thereof mortgage financing | 13,0 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | thereof home savings | 2,1 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | Value of marketed properties | 2,35 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | Value Appraised Properties | 8,16 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | Brokerage Volume Retail Clients | 1,52 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | Real estate platform brokerage volume | 0,29 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | Validation Rate | 30,4 % | 3 |
| 2023-05-08 | 2023-Q1 | Transaction Volume Credit Platform | 16,5 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | Migrated premium volume | 3,83 Mrd. € | 3 |
| 2023-05-08 | 2023-Q1 | Equity ratio | 52 % | 3 |
| 2023-05-08 | 2023-Q1 | Total Assets | 623.860 TEUR | 3 |
| 2023-05-08 | 2023-Q1 | Number of Financial Advisors | 589 | 3 |
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Guidance Tracking (latest per metric/period · 8/14)#
All management forecasts (guidance) and their later outcome. Types: fiscal-year targets as well as quarterly/half-year targets; per metric and period the most recent statement applies, older versions can be expanded. The status is checked automatically against the actuals reported later: open (period still running), met, beaten, missed. For ranges (“X to Y”) reaching the range counts. Logged neutrally, no estimate of our own, no assessment.
Actuals: revenue in €m
| For period | Guided on | Metric | Guided | Actual | Verdict | Direction | Source |
|---|---|---|---|---|---|---|---|
| FY2026 | 2026-03-13 | Revenue | 280 | – | pending | confirmed | 35 |
| FY2026 | 2026-03-13 | EBIT | 40–55 | – | pending | confirmed | 34 |
| FY2026 | 2026-03-13 | operating_income | 40–55 | – | pending | confirmed | 35 |
| FY2026 | 2026-03-13 | Gross profit | 280 | – | pending | confirmed | 34 |
| FY2025 | 2026-03-13 ° | operating_income | 260 | – | – | confirmed | 27 |
| FY2025 | 2025-10-27 | Revenue | 600 | 602.6 | beat | confirmed | 27 |
| FY2025 | 2025-10-27 | EBITDA | 260 | 67.9 | miss | cut | 30 |
| FY2025 | 2025-03-11 | gross_profit | 270 | – | – | initiated | 17 |
| FY2024 | 2024-03-11 | Revenue | 400 | 560.7 | beat | confirmed | 19 |
| FY2024 | 2024-03-11 | operating_income | 10–20 | – | – | confirmed | 19 |
| FY2023 | 2023-11-13 | EBIT | 10–15 | 13.3 | in line | cut | 5 |
| FY2023 | 2023-10-26 | Revenue | 25 | 359.9 | – | cut | 5 |
| FY2023 | 2023-10-26 | operating_income | 10–15 | – | – | cut | 9 |
| FY2023 | 2023-03-13 | Revenue growth (YoY) | 10% | – | – | cut | 1 |
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Development#
A condensed summary per reporting period as running text: what changed operationally, which drivers management names, how earnings and cash flow developed. Most recent period first, grouped by year; each text is written from the original report of that period, superscript numbers lead to the source.
FY2026
Hypoport SE generated group revenue of 169.3 in Q1 2026 and 150.1 in Q2 2026, with group gross profit (Rohertrag) rising by 5% to 138 Mio. € in H1 2026 and EBIT improving by 20% to 19 Mio. € over the same period 35. All three operating segments – Real Estate & Mortgage Platforms, Financing Platforms, and Insurance Platforms – contributed to growth, with Insurance Platforms swinging to a positive EBIT of 1.1 Mio. € from a loss of 0.3 Mio. € in H1/25 35. The EBIT margin on gross profit widened to 14.1% from 12.3% in H1/25 35. Cash stood at 103.8 at the end of Q1 before declining to 90.4 at Q2-end, with the group moving from a net cash position of 73.7 in Q1 to net debt of 7 by mid-year 134 136.
FY2025
Hypoport SE grew full-year revenue by 7% to 602.6 million euros in 2025, with gross profit rising 10% to 266 million euros 27. EBIT expanded 85% to 33 million euros as Germany's private residential real estate financing market recovered, with the Real Estate & Mortgage Platforms segment serving as the primary driver 27. Net income nearly doubled to 26 million euros, bringing diluted earnings per share to 3.87 euros 27. In October 2025, management reduced its full-year revenue guidance to at least 600 million euros from 640 million euros, citing weaker performance at the Starpool Finanz GmbH joint venture with Deutsche Bank, while the EBIT guidance range of 30 to 36 million euros was left unchanged 30. Year-end net debt stood at 45.3 million euros, and the equity ratio improved from 50.8% to 54.3% 27.
FY2024
Hypoport SE reported full-year 2024 revenue of 560.7 million euros, a 13.5% increase versus the prior year, driven by recovery in the private residential financing market with higher transaction volumes and modestly rising property prices 17. EBIT rose to 17.9 million euros, representing 26% growth over 2023, while EBITDA increased by 4% to 54.4 million euros 17. Net income declined to 13.1 million euros from 21.2 million euros in the prior year due to a higher tax burden 17. The Real Estate & Mortgage Platforms segment was the primary growth driver, with transaction volume on Europace rising 27% to 66.1 billion euros and Dr. Klein intermediated volume up 30% to 6.9 billion euros 17. For 2025, Hypoport initiated guidance of at least 640 million euros in revenue and EBIT of between 30 and 36 million euros 17.
FY2023
In FY 2023, Hypoport SE reported revenue of 359.9 million euros, a decline of 21% against the prior year, as the German private real estate financing market contracted by around 40% 12. EBIT declined by 46% to 13.3 million euros; full-year net income reached 20.5 million euros, with results shaped by positive and negative special items totalling approximately 12 million euros 12. In January 2023, Hypoport raised 50 million euros through a capital increase to fund innovation projects, lifting the equity ratio from 46.7% to 54.5% by year-end, while a concurrent cost reduction programme lowered the annual cost base by approximately 35 million euros; cash at year-end stood at 96.7 million euros 11. The Insurance Platforms segment posted revenue growth of 8% to 65.4 million euros against the broader group decline, and Europace transaction volume first exceeded the prior-year level in Q4 after roughly 18 months of contraction 11 12. Effective 1 January 2024, Hypoport reduced its segment structure from four to three – Real Estate & Mortgage Platforms, Financing Platforms, and Insurance Platforms – to reduce group complexity 12.
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Glossary#
- Revenue: Revenue from contracts with customers, net of sales deductions, as the company itself reports it; not total output, gross revenue, GMV or order intake.
- Op. income: The operating line of the income statement; EBIT only as a marked fallback, never pre-tax or ordinary income.
- Net income: Net income attributable to the shareholders of the parent, after discontinued operations; not the result including minority interests, not comprehensive income.
- EPS: Diluted earnings per share attributable to the shareholders of the parent; a printed figure always beats a calculated one, calculated values are marked.
- FCF: Free cash flow = operating cash flow minus capital expenditure on property, plant and equipment; the company's own free cash flow figure is shown separately.
- OCF: Cash flow from operating activities as reported; IFRS companies may show interest paid in financing cash flow, so the figure is not always comparable.
- Cash: Cash and cash equivalents, without securities unless the company reports them as part of the position.
- Net Debt: Net debt = financial debt excluding lease liabilities minus cash at the same reporting date; the company's own net position may differ.
- *: derived, the formula is in the hover
- ≈: calculated, approximation
- ~: uncertain; the value stays visible, verdicts do not use it
- °: repaired by a targeted query against the document, or curated with documentary evidence
- EBIT: EBIT as a fallback: the income statement carries no operating line
- basic: basic earnings per share as a fallback when diluted is missing
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Sources: official investor relations documents#
All original documents used, with type (e.g. quarterly, half-year, annual report), publication date and a direct link to the filing (EDINET/SEC/IR). Every superscript number in the report points to an entry in this list; so every figure can be traced back to its place in the original.
38 documents · 2023 – 2026 · IR
| # | Document type | Published | Link |
|---|---|---|---|
| #3 / #103 | IR-Quarter | – | Open |
| #6 | IR-Report | – | Open |
| #14 / #115 | IR-Quarter | – | Open |
| #17 / #118 | IR-Annual | – | Open |
| #23 / #124 | IR-Quarter | – | Open |
| #26 | IR-Report | – | Open |
| #27 / #128 | IR-Annual | – | Open |
| #34 / #135 | IR-Quarter | – | Open |
| #1 / #101 | IR-Annual | 2023-03-13 | Open |
| #2 | IR-Quarter | 2023-05-08 | Open |
| #7 | IR-Quarter | 2023-07-31 | Open |
| #4 / #104 | IR-Half | 2023-08-14 | Open |
| #8 | IR-Quarter | 2023-08-14 | Open |
| #9 | IR-Quarter | 2023-10-26 | Open |
| #5 | IR-Quarter | 2023-11-13 | Open |
| #10 | IR-Quarter | 2023-11-13 | Open |
| #12 / #113 | IR-Annual | 2024-03-11 | Open |
| #11 / #112 | IR-Annual | 2024-03-25 | Open |
| #37 | IR-Quarter | 2024-04-22 | Open |
| #13 / #114 | IR-Quarter | 2024-05-06 | Open |
| #18 | IR-Quarter | 2024-07-23 | Open |
| #15 / #116 | IR-Half | 2024-08-12 | Open |
| #19 / #120 | IR-Quarter | 2024-08-12 | Open |
| #20 | IR-Quarter | 2024-10-29 | Open |
| #16 / #117 | IR-Quarter | 2024-11-11 | Open |
| #21 / #122 | IR-Quarter | 2024-11-11 | Open |
| #22 | IR-Report | 2025-03-17 | Open |
| #38 / #139 | IR-Quarter | 2025-05-12 | Open |
| #28 | IR-Quarter | 2025-07-28 | Open |
| #24 / #125 | IR-Quarter | 2025-08-11 | Open |
| #29 | IR-Quarter | 2025-08-11 | Open |
| #30 | IR-Quarter | 2025-10-27 | Open |
| #25 / #126 | IR-Quarter | 2025-11-10 | Open |
| #31 | IR-Quarter | 2025-11-10 | Open |
| #32 | IR-Quarter | 2026-04-28 | Open |
| #33 / #134 | IR-Quarter | 2026-05-11 | Open |
| #36 | IR-Quarter | 2026-07-27 | Open |
| #35 / #136 | IR-Half | 2026-08-10 | Open |
FAQ#
Is there a management forecast (guidance) for FY2026?
Yes. Management has issued targets for FY2026, including Revenue. The guidance tracking chapter shows all targets and checks them against the actuals reported later; neutral, with no estimate of our own.
Where can I find the official investor relations documents of Hypoport SE?
The sources chapter links all 58 original filings used (IR documents) with type, publication date and a direct link; every figure in the report carries a source number.
More reports#
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