Original-Research: HausVorteil AG (von Parmantier & Cie. GmbH): Buy
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Original-Research: HausVorteil AG - from Parmantier & Cie. GmbH
Classification of Parmantier & Cie. GmbH to HausVorteil AG
Scalable equity release business model already profitable – High demand, access to financing determines growth HausVorteil AG covers a wide range of equity release* models (*see glossary) for (older) property owners. Properties that are not included in the company's own portfolio can be brokered to partners in return for a commission. Currently, partial purchases (with 117% debt coverage) arerecorded in the books of the special purpose vehicles (SPVs) and provide easily predictable cash flows for the AG and SPVs. In our forecast, we assume that the SPVs will gradually increase their annual purchase volume, not limited to partial purchases, to €100 million by 2030. A significantly faster upscaling is possible. The business model is attractive due to contractually secured, predictable cash flows. Each equity release property generates positive contribution margins over its entire term. The withdrawal of a major financier for partial purchases in September 2025 has led to the departure of some partial purchase providers, whiledemand remains high. The market shakeout is an opportunity for HausVorteil in terms of leads and conditions. Strengths: 1) Referring enquiries to partners already generates commission income that covers running costs. 2) HausVorteil covers (also via partners) a wide range of equity release solutions for (especially older) property owners who want to release equity without having to move. 3) As the company grows, economies of scale come into play (portfolio management, network). 4) With the planned equity release platform (B2B, closed user group), HausVorteil can use leads more efficiently. Challenge: Capital is needed to leverage existing growth potential. Access to capital is the key barrier to growth (each purchase generates an annual interest margin (SPVs) and portfolio commission for the AG and, ultimately, a commission from the sale of the properties). You can download the research here: PCR_HausVorteil_2025_12_01_EN Contact for questions: PARMANTIER & CIE. GmbH Hungener Str. 6 60389 Frankfurt am Main E-Mail: info@parmantiercie.com Web: www.parmantiercie.com
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2238112 01.12.2025 CET/CEST
Boersengefluester.de (BGFL) provides an overview of the key figures on sales, earnings, cash flow and dividends to help you better assess the fundamental development of the respective companies. All information is entered manually in our database - the source is the respective annual reports. All estimates for future figures are provided by BGFL.
| The most important financial data at a glance | ||||||||
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025e | ||
| Sales1 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
| EBITDA1,2 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
| EBITDA-Margin3 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
| EBIT1,4 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
| EBIT-Margin5 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
| Net Profit (Loss)1 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
| Net-Margin6 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
| Cashflow1,7 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
| Earnings per share8 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | -0,08 | |
| Dividend per share8 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | |
1 in Mio. Euro; 2 EBITDA = Earnings before interest, taxes, depreciation and amortisation; 3 EBITDA in relation to sales; 4 EBIT = Earnings before interest and taxes; 5 EBIT in relation to sales; 6 Net profit (-loss) in relation to sales; 7 Cashflow from operations; 8 in Euro; Source: boersengefluester.de
All relevant valuation ratios, dates and other investor information on your share at a glance. Good to know: All data comes from boersengefluester.de and is updated daily. This means you are always up to date. You can get brief explanations of the key figures by moving the cursor or mouse over the relevant field.
| INVESTOR-INFORMATION | ||||||
| ©boersengefluester.de | ||||||
| HausVorteil | ||||||
| WKN | ISIN | Legal Type | Marketcap | IPO | Recommendation | Plus Code |
| A31C22 | DE000A31C222 | AG | 47,39 Mio € | 26.11.2025 | 9F5FGXVP+2H | |
| PE 2026e | PE 10Y-Ø | BGFL-Ratio | Shiller-PE | PB | PCF | KUV |
| 81,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 |
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Dividend '2023 in € |
Dividend '2024 in € |
Dividend '2025e in € |
Div.-Yield '2025e in % |
| 0,00 | 0,00 | 0,00 | 0,00% |
| Annual General Meeting | Q1-figures | Q2-figures | Q3-figures | Annual press conference |
| 20.08.2025 | 30.09.2026 | 30.04.2026 |
| Distance 60-days-line | Distance 200-days-line | Performance YtD | Performance 52 weeks | IPO |
| +0,00% | +0,00% | +0,00% | +0,00% | -0,60% |
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