13.04.2022 Hypoport SE  DE0005493365

DGAP-News: Hypoport SE: very strong growth for mortgage finance in the first quarter of 2022


DGAP-News: Hypoport SE / Key word(s): Market Report

13.04.2022 / 07:05
The issuer is solely responsible for the content of this announcement.

Operational key figures for Q1 2022

Hypoport SE: very strong growth for mortgage finance in the first quarter of 2022

- Volume of Europace transactions swells by 26 per cent; exceeds €30 billion for the first time in a quarter

- Cooperative banks remain the fastest-growing user group with a rise of 47 per cent; increase of 31 per cent for the savings banks

- VALUE AG's valuation volume advances by 16 per cent

- Volume of new loans brokered on the property financing platform for the housing industry climbs by 15 per cent

- 23 per cent increase in the volume of premiums related to insurance portfolios migrated to the SMART INSUR platform

Berlin, 13 April 2022: The Hypoport Group's operational key figures show further strong growth. Of particular note were the double-digit percentage increases in volumes for the platform-based business models in the first quarter of this year. These growth rates were once again well above those of the respective markets in which the businesses operate.

Credit Platform segment: In the first three months of 2022, Europace increased its transaction volume* by a very substantial 26 per cent. The total volume across all product groups climbed to €34 billion, while the transaction volume per sales day** of €528 million exceeded half a billion euros for the first time. Mortgage finance, which is by far the largest product group, saw its transaction volume grow by 26 per cent to €28 billion. The transaction volume in the second-largest product group, building finance, amounted to €4 billion, a sharp rise of 22 per cent. This growth rate was outstripped only by that of the smallest product group, personal loans, where the volume swelled by 40 per cent to €1 billion.

FINMAS, the sub-marketplace for institutions in the savings banks sector, increased its volume of transactions* by 31 per cent to €3.5 billion in the first three months of 2022. In the cooperative banking sector, institutions used the dedicated GENOPACE sub-marketplace to generate a volume of €4.5 billion, an impressive jump of 47 per cent. Alongside these groups of banks, the volume generated by non-captive financial product distributors and private commercial banks also expanded at a faster rate than the market, with increases of over 20 per cent and 15 per cent respectively.

Private Clients segment: The volume brokered by Dr. Klein* advanced by 34 per cent to €3.5 billion in the first quarter of 2022.

Real Estate Platform segment: The value of residential properties inspected and appraised by Value AG went up by 16 per cent to €9 billion. The value of the properties sold through the FIO platform fell slightly, by 8 per cent, to €4 billion owing to the smaller number of properties available for sale. The Dr. Klein WoWi property financing platform increased its volume by 15 per cent to €585 million.

Insurance Platform segment: Migration of the insurance portfolios from the individual solutions of acquirees to the centralised SMART INSUR platform is continuing to progress well. The portfolio volume on SMART INSUR grew by 23 per cent to a total of €3.5 billion.

Ronald Slabke, Chief Executive Officer of Hypoport SE, expressed his satisfaction with the Company's start to 2022: "The quarterly transaction volume on Europace exceeded €30 billion for the first time. Back in 2019, we would have needed six months to generate such a volume. This trend reflects our market report on the funding stop for energy-efficient buildings, the risk buffer requirement for banks in respect of residential mortgages, a supposed property bubble and the impact of a shift in interest-rate policy, which we published at the start of February. We have made it very clear that we - contrary to the views of some market observers - do not believe our mortgage finance business models will be adversely affected by these issues. In fact, we anticipate strong growth in 2022. And we have made a good start in the first quarter."

(€ billion) Q1 2022 Q1 2021 Q1
Segment Credit platform      
Total transaction volume Europace* 33.82 26.93 +26%
thereof mortgage finance 28.10 22.38 +26%
thereof building finance 4.35 3.57 +22%
thereof personal loans 1.38 0.98 +40%
Transaction volume per sales day (€ million)** 528.4 427.5 +24%
Segment Private Clients      
Volume of new loans brokered* Dr. Klein Private Clients 3.53 2.65 +34%
Segment Real Estate Platform      
Value of the properties valued by VALUE AG 8.95 7.74 +16%
Value of all properties sold via FIO 3.36 3.66 -8%
Transaction volume Property financing platform Dr. Klein Wowi 0.58 0.51 +15%
Segment Insurance Platform 31 Mar 2022 31 Mar 2021 Yty change
Volume of policies (net premiums) migrated to SMART INSUR 3.50 2.84 +23%

* All figures on the volume of financial products processed (mortgage finance, building finance ('Bausparen') and personal loans) are stated before cancellations and, consequently, cannot be compared directly with the revenue figures shown, which exclude subsequent cancellations. Neither the revenue nor the earnings generated by Hypoport can be directly extrapolated from the transaction figures given above.

** Sales days are defined as the number of bank working days less half of the number of 'bridging days' (days falling between public holidays and weekends).

About Hypoport SE

Hypoport SE is headquartered in Lübeck (Germany) and is the parent company of the Hypoport Group. The Group is a network of technology companies for the credit. real-estate and insurance industries with a workforce of approx. 2.500 employees. It is grouped into four segments: Credit Platform. Private Clients. Real Estate Platform and Insurance Platform.

The Credit Platform segment operates Europace. which is an online B2B financial marketplace and the largest German platform offering mortgages. building finance products and personal loans. A fully integrated system links approx.. 800 partners - banks. insurers and financial product distributors. Several thousand loan brokerage advisors execute more than 35.000 transactions per month on Europace. generating a volume of more than €9 billion. Besides Europace. the FINMAS and GENOPACE sub-marketplaces and the B2B distribution companies Qualitypool and Starpool support the growth of the credit platform. REM CAPITAL AG provides specialist advice on the arrangement of complex public-sector development loans for companies and financing for SMEs in Germany. At fundingport GmbH a corporate finance marketplace is being established.

The Private Clients segment. made up of the web-based. non-captive financial product distributor Dr. Klein Privatkunden and the consumer comparison portal Vergleich.de. brings together all business models aimed at directly advising consumers on mortgages. insurance or pension products.

All real estate-related activities of the Hypoport Group. with the exception of mortgage finance. are grouped together in the Real Estate Platform segment (previously Institutional Clients) with the aim of digitalising the sale. valuation. financing and management of properties.

The Insurance Platform segment operates SMART INSUR. a web-based B2B platform for advice. comparison of tariffs and the administration of insurance policies. The segment also incorporates the insurance unit of Qualitypool. a B2B distribution company as well as ePension. a digital platform for the administration of occupational pension schemes.

The shares of Hypoport SE are listed in the Prime Standard segment of the Frankfurt Stock Exchange (Deutsche Börse) and have been included in the MDAX since September 2021.


Jan H. Pahl
Head of Investor Relations // IRO

Phone: +49 (0)30 / 42086 - 1942
Mobile: +49 (0)176 / 965 125 19
Email: [email protected]

Hypoport SE
Heidestr. 8
10557 Berlin


Financial calendar:


9 May 2022: Quarterly Statement Q1 2022

8 August 2022: Report for the first half of 2022

14 November 2022: Quarterly Statement Q3 2022

Key data on Hypoport's shares

ISIN DE 0005493365
WKN 549336
Stock exchanges symbol HYQ

13.04.2022 Dissemination of a Corporate News, transmitted by DGAP - a service of EQS Group AG.
The issuer is solely responsible for the content of this announcement.

The DGAP Distribution Services include Regulatory Announcements, Financial/Corporate News and Press Releases.
Archive at www.dgap.de

Language: English
Company: Hypoport SE
Heidestraße 8
10557 Berlin
Phone: +4930420861942
Fax: +49/30 42086-1999
E-mail: [email protected]
Internet: www.hypoport.de
ISIN: DE0005493365
WKN: 549336
Indices: MDAX
Listed: Regulated Market in Frankfurt (Prime Standard); Regulated Unofficial Market in Berlin, Dusseldorf, Hamburg, Hanover, Munich, Stuttgart, Tradegate Exchange
EQS News ID: 1326779

End of News DGAP News Service

1326779  13.04.2022 


Die wichtigsten Finanzdaten auf einen Blick
  2017 2018 2019 2020 2021 2022 2023e
Umsatzerlöse1 194,76 265,96 333,24 387,73 446,35 455,45 359,18
EBITDA1,2 30,12 39,09 52,22 63,85 77,10 57,71 51,18
EBITDA-Marge3 15,47 14,70 15,67 16,47 17,27 12,67
EBIT1,4 23,32 29,33 33,01 36,24 47,68 24,68 13,30
EBIT-Marge5 11,97 11,03 9,91 9,35 10,68 5,42 3,70
Jahresüberschuss1 18,43 22,47 24,40 27,86 30,58 18,67 20,49
Netto-Marge6 9,46 8,45 7,32 7,19 6,85 4,10 5,71
Cashflow1,7 8,26 39,83 46,23 46,56 64,35 38,56 36,81
Ergebnis je Aktie8 3,10 3,66 3,90 4,33 4,79 2,96 3,02
Dividende8 0,00 0,00 0,00 0,00 0,00 0,00 0,00
Quelle: boersengefluester.de und Firmenangaben

  Geschäftsbericht 2023 - Kostenfrei herunterladen.  
1 in Mio. Euro; 2 EBITDA = Ergebnis vor Zinsen, Steuern und Abschreibungen; 3 EBITDA in Relation zum Umsatz; 4 EBIT = Ergebnis vor Zinsen und Steuern; 5 EBIT in Relation zum Umsatz; 6 Jahresüberschuss (-fehlbetrag) in Relation zum Umsatz; 7 Cashflow aus der gewöhnlichen Geschäftstätigkeit; 8 in Euro; Quelle: boersengefluester.de

Wirtschaftsprüfer: BDO

WKN Kurs in € Einschätzung Börsenwert in Mio. €
549336 226,200 - 1.554,48
KGV 2025e KGV 10Y-Ø BGFL-Ratio Shiller-KGV
83,78 35,41 2,37 68,42
4,59 42,23 4,32 31,01
Dividende '22 in € Dividende '23e in € Div.-Rendite '23e
in %
0,00 0,00 0,00 02.06.2023
Q1-Zahlen Q2-Zahlen Q3-Zahlen Bilanz-PK
06.05.2024 12.08.2024 13.11.2023 25.03.2024
Abstand 60Tage-Linie Abstand 200Tage-Linie Performance YtD Performance 52 Wochen
10,70% 35,51% 27,94% 63,44%
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