Hoist Finance AB (SE:HOFI)
:HOFI
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Hoist Finance AB
(HOFI)
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Rating:62Neutral
Price Target:
kr161.00
▲(6.41% Upside)
Action:ReiteratedDate:02/10/26
The score is driven primarily by solid earnings momentum and profitability, but is held back by elevated financial risk from rising leverage and a steep drop in operating/free cash flow. Technicals are strong but look overbought, while valuation is moderately supportive.
Positive Factors
Revenue Growth
Sustained and accelerating revenue growth over several years indicates scalable portfolio acquisitions and improving collections efficiency. That trend supports ongoing cash generation potential and market share gains in credit management over the next several quarters.
Negative Factors
Cash-Flow Deterioration
A large drop in operating cash flow and zero free cash flow materially reduces internal funding for portfolio purchases and capital needs. This weakens financial flexibility, increases reliance on external financing, and raises execution risk for growth plans in the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained and accelerating revenue growth over several years indicates scalable portfolio acquisitions and improving collections efficiency. That trend supports ongoing cash generation potential and market share gains in credit management over the next several quarters.
Read all positive factors
Hoist Finance AB (HOFI) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr13.23B
Dividend Yield1.78%
Average Volume (3M)97.12K
Price to Earnings (P/E)8.7
Beta (1Y)0.69
Revenue Growth19.81%
EPS Growth5.77%
CountrySE
Employees1,031
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)3.84
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
kr165.00Price Target Upside9.05% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)13.61
Revenue Forecast (FY)kr4.81B
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 generates revenue primarily through the purchase and collection of non-performing loans (NPLs) from various financial institutions. By acquiring these distressed assets at a discount, Hoist Finance can profit from the recovery of the...
Hoist Finance AB Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
45
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 5.85B | 5.09B | 3.84B | 3.12B | 2.54B |
| Gross Profit | 3.77B | 3.90B | 3.17B | 2.56B | 1.97B |
| EBITDA | 1.55B | 1.40B | 942.00M | 599.00M | 99.00M |
| Net Income | 1.14B | 1.01B | 663.00M | 801.00M | -117.00M |
Balance Sheet | |||||
| Total Assets | 63.22B | 56.93B | 34.02B | 32.50B | 30.37B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 0.00 | 0.00 | -105.00M | 0.00 |
| Total Debt | 10.81B | 7.05B | 5.63B | 6.55B | 6.04B |
| Total Liabilities | 57.02B | 50.23B | 28.10B | 26.75B | 25.43B |
| Stockholders Equity | 6.20B | 6.71B | 5.92B | 5.74B | 4.94B |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 5.81B | 4.40B | 3.84B | 3.48B |
| Operating Cash Flow | 464.00M | 5.81B | 4.40B | 3.84B | 3.48B |
| Investing Cash Flow | 266.00M | -18.08B | -3.62B | -7.13B | -3.00B |
| Financing Cash Flow | 6.88B | 20.06B | 572.00M | 4.33B | -1.45B |
Hoist Finance AB Technical Analysis
Positive
151.30
Price Trends
141.60
Positive
123.43
Positive
109.57
Positive
Market Momentum
1.93
Negative
59.28
Neutral
86.95
Negative
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 151.3 is above the 20-day moving average (MA) of 147.34, above the 50-day MA of 141.60, and above the 200-day MA of 109.57, indicating a bullish trend. The MACD of 1.93 indicates Negative momentum. The RSI at 59.28 is Neutral, neither overbought nor oversold. The STOCH value of 86.95 is Negative, 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
151.30
89.07
143.11%
GB:0H9P
Intrum Justitia AB
36.73
14.29
63.68%
SE:NORION
Collector AB
55.90
22.18
65.78%
DE:6TF0
TF Bank AB
15.04
5.67
60.51%
SE:ALM
ALM Equity AB
51.00
-41.20
-44.69%
Hoist Finance AB Corporate Events
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...
Hoist Finance Gains Specialised Debt Restructurer Status, Frees SEK 1.2 Billion in Capital
Feb 4, 2026
Hoist Finance has notified the Swedish Financial Supervisory Authority that it meets all criteria to qualify as a Specialised Debt Restructurer under the EU Capital Requirements Regulation, gaining exemption from the EU backstop rules that require...
Hoist Finance Schedules Q4 and Full-Year 2025 Results Presentation for 6 February
Jan 19, 2026
Hoist Finance has announced that it will publish its fourth-quarter and full-year 2025 results on 6 February 2026, followed by a combined webcast and teleconference presentation later that morning led by CEO Harry Vranjes and CFO Magnus Söder...
Hoist Finance Chair Lars Wollung to Step Down Ahead of 2026 AGM
Jan 14, 2026
Hoist Finance’s Chair of the Board, Lars Wollung, has informed the company’s Nomination Committee that he will not stand for re-election at the Annual General Meeting on 7 May 2026, following a request from the Swedish Financial Superv...
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.