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Hoist Finance AB
(HOFI)
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Rating:66Neutral
Price Target:
kr224.00
▲(33.10% Upside)
Action:Downgraded
Date:07/25/26
The score is primarily driven by solid profitability and improving topline momentum, tempered by higher leverage and volatile cash conversion. Technicals show a strong trend but elevated RSI points to stretched momentum, while valuation appears reasonable rather than distinctly cheap.
Positive Factors
Integrated NPL platform and end-to-end model
Hoist’s vertically integrated NPL model—owning acquisitions, servicing and workout on its credit-management platform—creates durable operational control. Over months this supports disciplined pricing, consistent recovery playbooks, lower outsourcing costs and sustained collection efficiency.
Negative Factors
Elevated leverage and debt above equity
Debt above equity and rising leverage increase sensitivity to funding markets and credit-performance shocks. Over a 2–6 month horizon higher leverage constrains strategic flexibility, magnifies downside from weaker collections, and raises refinancing risk if spreads widen.
Read all positive and negative factors
Positive Factors
Negative Factors
Integrated NPL platform and end-to-end model
Hoist’s vertically integrated NPL model—owning acquisitions, servicing and workout on its credit-management platform—creates durable operational control. Over months this supports disciplined pricing, consistent recovery playbooks, lower outsourcing costs and sustained collection efficiency.
Read all positive factors
Hoist Finance AB (HOFI) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr19.37B
Dividend Yield1.47%
Average Volume (3M)97.12K
Price to Earnings (P/E)14.1
Beta (1Y)0.93
Revenue Growth12.14%
EPS Growth55.77%
CountrySE
Employees1,237
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)15.56
Shares Outstanding87,422,610
10 Day Avg. Volume108,539
30 Day Avg. Volume97,117
Financial Highlights & Ratios
PEG Ratio0.64
Price to Book (P/B)1.59
Price to Sales (P/S)1.69
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)14.82
Revenue Forecast (FY)kr4.92B
Hoist Finance AB Business Overview & Revenue Model
Company Description
Hoist Finance AB (publ) is a financial services firm specializing in the acquisition and management of loan portfolios across Europe. Its business is structured into three main divisions: Unsecured, Secured, and Performing. The company procures bo...
How the Company Makes Money
Hoist Finance primarily makes money by (1) purchasing non-performing loan (NPL) portfolios from banks and other financial institutions at a discount to their gross book value and (2) generating cash collections over time from those portfolios that...
Hoist Finance AB Financial Statement Overview
Summary
Income Statement
83
Very Positive
Balance Sheet
70
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.36B | 5.85B | 5.09B | 3.84B | 3.12B | 2.54B |
| Gross Profit | 4.25B | 3.77B | 3.90B | 3.17B | 2.56B | 1.97B |
| EBITDA | 1.93B | 1.55B | 1.40B | 942.00M | 599.00M | 99.00M |
| Net Income | 1.43B | 1.14B | 1.01B | 663.00M | 801.00M | -117.00M |
Balance Sheet | ||||||
| Total Assets | 70.31B | 63.22B | 56.93B | 34.02B | 32.50B | 30.37B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 0.00 | 0.00 | 0.00 | -105.00M | 0.00 |
| Total Debt | 11.41B | 10.81B | 7.05B | 5.63B | 6.55B | 6.04B |
| Total Liabilities | 62.70B | 57.02B | 50.23B | 28.10B | 26.75B | 25.43B |
| Stockholders Equity | 6.42B | 6.20B | 6.71B | 5.92B | 5.74B | 4.94B |
Cash Flow | ||||||
| Free Cash Flow | 615.00M | 0.00 | 5.81B | 4.40B | 3.84B | 3.48B |
| Operating Cash Flow | 527.00M | 464.00M | 5.81B | 4.40B | 3.84B | 3.48B |
| Investing Cash Flow | -7.80B | 266.00M | -18.08B | -3.62B | -7.13B | -3.00B |
| Financing Cash Flow | 8.82B | 6.88B | 20.06B | 572.00M | 4.33B | -1.45B |
Hoist Finance AB Technical Analysis
Positive
168.30
Price Trends
184.73
Positive
169.39
Positive
141.59
Positive
Market Momentum
10.82
Negative
74.99
Negative
64.71
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:HOFI, the sentiment is Positive. The current price of 168.3 is below the 20-day moving average (MA) of 203.53, below the 50-day MA of 184.73, and above the 200-day MA of 141.59, indicating a bullish trend. The MACD of 10.82 indicates Negative momentum. The RSI at 74.99 is Negative, neither overbought nor oversold. The STOCH value of 64.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SE:HOFI.
Hoist Finance AB Peers Comparison
UnderperformOutperform
Sector (55)
SE:HOFI
Hoist Finance AB
219.40
122.10
125.49%
GB:0H9P
Intrum Justitia AB
3.77
-7.09
-65.30%
SE:NORION
Collector AB
67.40
-2.90
-4.13%
DE:6TF0
TF Bank AB
17.62
4.70
36.35%
SE:ALM
ALM Equity AB
47.50
-24.50
-34.03%
Hoist Finance AB Corporate Events
Hoist Finance Sets Date for Q2 2026 Results Presentation
Jul 7, 2026
Hoist Finance, a regulated credit market company listed on Nasdaq Stockholm, specialises in acquiring and managing non-performing loan portfolios from banks and financial institutions across 14 European countries. The asset manager also works dire...
Hoist Finance Sets September 2026 Capital Markets Day in Stockholm
Jul 1, 2026
Hoist Finance will host a Capital Markets Day in central Stockholm on 9 September 2026, offering both in‑person and digital participation for investors, analysts, media and other stakeholders. Senior management will present strategic and fin...
Hoist Finance closes acquisition of UK debt purchaser Azzurro Associates
Jun 29, 2026
Hoist Finance has completed its acquisition of UK debt purchaser Azzurro Associates, adding a GBP 200 million portfolio of SME non-performing loans and securing an FCA-regulated platform in one of Europe’s largest credit markets. The deal, w...
Hoist Finance Secures SEK 160 Million VAT Refund, Lifting Q2 2026 Earnings
Jun 25, 2026
Hoist Finance, a Swedish asset manager focused on non-performing loans across 14 European markets, acquires distressed debt portfolios from banks and financial institutions and restructures them through long-term repayment solutions for individual...
Moody’s lifts Hoist Finance to Baa1 with stable outlook
Jun 12, 2026
Moody’s Ratings has upgraded Hoist Finance’s long-term issuer and senior unsecured ratings to Baa1 from Baa2 and its subordinated ratings to Ba1 from Ba2, while revising the outlook on the long-term senior unsecured and issuer ratings ...
Hoist Finance Raises SEK 300m in AT1 Capital to Support Growth
May 12, 2026
Hoist Finance, an asset manager focused on non-performing loans across 14 European countries, acquires distressed debt portfolios from banks and financial institutions and helps consumers and smaller firms restructure obligations through long-term...
Hoist Finance AGM Backs Dividend, Governance Line-up and New Staff Share Plan
May 7, 2026
Hoist Finance AB’s annual general meeting in Stockholm approved the 2025 accounts and confirmed a dividend of SEK 6 per share, to be paid in mid-May, while carrying forward remaining earnings. Shareholders re-elected five board members, appo...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.