Hoist Finance AB (4HF) Stock Price & Analysis
4HF Stock Chart & Stats
- Day’s Range
- EUR 17.73 - EUR 17.73
- 52-Week Range
- EUR 8.16 - EUR 20.50
- Previous Close
- EUR 17.03
- Volume
- N/A
- Average Volume (3M)
- 4
- Market Cap
- EUR 1.58B
- Enterprise Value
- EUR 29.92B
- Total Cash (Recent Filing)
- EUR 0
- Total Debt (Recent Filing)
- EUR 11.69B
- Price to Earnings (P/E)
- 11.8
- Beta
- 0.78
- Next Earnings
- Feb 03, 2027 (Est.)
- EPS Estimate
- 0.37
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.68%
Bulls Say, Bears Say
Bulls Say
Revenue And Earnings Growth
Strong recent revenue and EPS growth indicate improving operating scale and earnings power. If sustained, this trajectory can strengthen the company’s ability to reinvest in credit portfolios and servicing capabilities while supporting more durable profitability over the next several quarters.
Strong Profitability
High operating and net margins show that Hoist is converting its credit-management activities into substantial profits. This profitability provides an important buffer against portfolio variability and creates internal capacity to fund operations, portfolio investments, and strategic development.
Integrated European Credit-management Model
The combination of portfolio acquisition, servicing, collections, and debt resolution gives Hoist an integrated operating model rather than reliance on a single activity. Geographic breadth and in-house or partner capabilities can support repeatable execution across consumer credit markets.
Bears Say
Negative Cash Generation
Negative operating and free cash flow is a material weakness because reported earnings are not currently translating into cash. Persistent or repeated cash outflows could constrain portfolio investment, reduce liquidity flexibility, and increase dependence on external funding until conversion normalizes.
Rising Leverage
The increase in debt relative to equity reduces financial flexibility and makes the business more sensitive to weaker credit conditions or underperforming assets. Higher leverage may also limit management’s room to absorb portfolio losses or pursue growth without additional funding.
Margin Volatility
The decline in gross margin suggests that profitability may be more sensitive to collection outcomes, pricing, or portfolio composition than headline earnings imply. Continued margin pressure would weaken operating leverage and make future earnings less predictable despite current strong margins.
Hoist Finance AB News
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Company Description
Hoist Finance AB
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 both active and distressed debt from various sources, including collaborating partners, international banks, and other financial institutions. In addition to its lending activities, Hoist Finance also offers deposit products such as current accounts and fixed-term savings. Established in 1994 and headquartered in Stockholm, Sweden, the company rebranded from Hoist International AB (publ) to its current name in January 2015.
- Sector
- General
- Industry
- Financial - Credit Services
- CEO
- Harry Vranjes
- Employees
- 1,252
- Website
- www.hoistfinance.com
- Address
- P.O. Box 7848, Stockholm, AB, 103 99, SE
Hoist Finance AB (4HF) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 4 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |
