Hoist Finance AB (SE:HOFI)
:HOFI
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Hoist Finance AB
(HOFI)
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Rating:75Outperform
Price Target:
kr183.00
▲(8.73% Upside)
Action:Upgraded
Date:05/09/26
The score is driven primarily by solid financial performance (strong profitability but higher leverage and volatile cash flow), supported by positive technical momentum and a relatively low P/E valuation; dividend support is modest.
Positive Factors
Sustained profitability & margins
Hoist has executed a multi-year turnaround to sustained profits with EBIT/EBITDA margins in the mid-to-high 20% range. Those margins provide durable earnings power to cover operating costs, support portfolio reinvestment and provide a buffer versus cyclical recoveries, underpinning long-term cash generation.
Negative Factors
Elevated leverage
Debt-to-equity above ~1.6x raises structural sensitivity to funding spreads and market stress. Elevated leverage reduces strategic flexibility for opportunistic buys, raises interest expense risk, and could force deleveraging or slower portfolio purchases if funding tightens or collections weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained profitability & margins
Hoist has executed a multi-year turnaround to sustained profits with EBIT/EBITDA margins in the mid-to-high 20% range. Those margins provide durable earnings power to cover operating costs, support portfolio reinvestment and provide a buffer versus cyclical recoveries, underpinning long-term cash generation.
Read all positive factors
Hoist Finance AB (HOFI) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr14.60B
Dividend Yield1.78%
Average Volume (3M)97.12K
Price to Earnings (P/E)9.6
Beta (1Y)0.85
Revenue Growth6.42%
EPS Growth23.06%
CountrySE
Employees1,031
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)12.83
Shares Outstanding87,422,610
10 Day Avg. Volume108,539
30 Day Avg. Volume97,117
Financial Highlights & Ratios
PEG Ratio0.57
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 Target
kr192.00Price Target Upside14.08% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)14.4
Revenue Forecast (FY)kr4.86B
Hoist Finance AB Business Overview & Revenue Model
Company Description
Hoist Finance AB (publ), a credit market company, engages in the loan acquisition and management operations in Europe. It operates through three segments: Unsecured, Secured, and Performing. The company purchases performing and non-performing loan...
How the Company Makes Money
Hoist Finance’s earnings are primarily driven by acquiring non-performing loan (NPL) and other delinquent receivables portfolios at a discount to their face value and then generating cash collections from underlying borrowers over time. The differ...
Hoist Finance AB Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
67
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.97B | 5.85B | 5.09B | 3.84B | 3.12B | 2.54B |
| Gross Profit | 3.90B | 3.77B | 3.90B | 3.17B | 2.56B | 1.97B |
| EBITDA | 1.61B | 1.55B | 1.40B | 942.00M | 599.00M | 99.00M |
| Net Income | 1.19B | 1.14B | 1.01B | 663.00M | 801.00M | -117.00M |
Balance Sheet | ||||||
| Total Assets | 64.58B | 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 | 10.71B | 10.81B | 7.05B | 5.63B | 6.55B | 6.04B |
| Total Liabilities | 58.10B | 57.02B | 50.23B | 28.10B | 26.75B | 25.43B |
| Stockholders Equity | 6.48B | 6.20B | 6.71B | 5.92B | 5.74B | 4.94B |
Cash Flow | ||||||
| Free Cash Flow | 983.00M | 0.00 | 5.81B | 4.40B | 3.84B | 3.48B |
| Operating Cash Flow | 895.00M | 464.00M | 5.81B | 4.40B | 3.84B | 3.48B |
| Investing Cash Flow | -5.14B | 266.00M | -18.08B | -3.62B | -7.13B | -3.00B |
| Financing Cash Flow | 5.99B | 6.88B | 20.06B | 572.00M | 4.33B | -1.45B |
Hoist Finance AB Technical Analysis
Positive
168.30
Price Trends
149.43
Positive
136.60
Positive
115.85
Positive
Market Momentum
3.71
Negative
65.22
Neutral
60.85
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 above the 20-day moving average (MA) of 151.60, above the 50-day MA of 149.43, and above the 200-day MA of 115.85, indicating a bullish trend. The MACD of 3.71 indicates Negative momentum. The RSI at 65.22 is Neutral, neither overbought nor oversold. The STOCH value of 60.85 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
167.00
77.65
86.91%
GB:0H9P
Intrum Justitia AB
19.92
-17.13
-46.23%
SE:NORION
Collector AB
55.60
10.65
23.69%
DE:6TF0
TF Bank AB
14.22
3.22
29.21%
SE:ALM
ALM Equity AB
50.20
-33.20
-39.81%
Hoist Finance AB Corporate Events
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...
Hoist Finance Sets Date for Q1 2026 Results and Investor Presentation
Apr 13, 2026
Hoist Finance will publish its first-quarter 2026 results on 6 May, followed by a combined webcast and teleconference where CEO Harry Vranjes and CFO Magnus Söderlund will present and comment on the figures in English. The scheduled event und...
Hoist Finance Sets 7 May 2026 Date for AGM, Proposes New Share Programs and Capital Mandates
Mar 27, 2026
Hoist Finance AB has convened its Annual General Meeting for 7 May 2026 in Stockholm, inviting shareholders registered with Euroclear Sweden by 28 April and properly notified by 30 April to participate. Shareholders with nominee-registered shares ...
Hoist Finance expands HoistSpar fixed-rate savings offering to Spain
Mar 24, 2026
Hoist Finance is a Stockholm-listed asset manager specialising in non-performing loans, buying and managing debt portfolios from international banks and financial institutions across Europe. Regulated as a credit market company under the Swedish F...
Hoist Finance to Acquire UK SME Debt Purchaser Azzurro Associates
Feb 10, 2026
Hoist Finance has agreed to acquire UK debt purchaser Azzurro Associates, a specialist in SME non-performing loans with a portfolio book value of £200 million, from Elliott Investment Management and Azzurro senior executives. The deal include...
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.