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Hoist Finance AB
(HOFI)
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Rating:59Neutral
Price Target:
kr187.00
▼(-14.69% Downside)
Action:Reiterated
Date:10/24/26
The score is held back primarily by deteriorated TTM cash generation (negative operating and free cash flow) and a weaker technical setup (below key moving averages with negative MACD). These risks are partially offset by strong reported profitability/recent earnings trajectory and a reasonable valuation (P/E ~11.5) with a modest dividend yield.
Positive Factors
Revenue and earnings growth
Strong TTM revenue and net income growth indicates expanding operating output and improved earnings power. If sustained, this growth can support reinvestment, strengthen the company’s position in European credit management, and provide a broader base for future profitability.
Negative Factors
Negative cash generation
The sharp reversal to negative operating and free cash flow weakens earnings quality and reduces internally generated liquidity. Until cash conversion normalizes, Hoist may have less flexibility to fund portfolio investments, meet obligations, or respond to weaker collection performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings growth
Strong TTM revenue and net income growth indicates expanding operating output and improved earnings power. If sustained, this growth can support reinvestment, strengthen the company’s position in European credit management, and provide a broader base for future profitability.
Read all positive factors
Hoist Finance AB (HOFI) vs. iShares MSCI Sweden ETF (EWD)
Market Cap
kr16.38B
Dividend Yield1.76%
Average Volume (3M)155.62K
Price to Earnings (P/E)11.2
Beta (1Y)0.99
Revenue Growth15.77%
EPS Growth61.17%
CountrySE
Employees1,069
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)16.61
Shares Outstanding87,852,320
10 Day Avg. Volume167,806
30 Day Avg. Volume155,621
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)16.53
Revenue Forecast (FY)kr5.35B
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...
Hoist Finance AB Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
66
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.73B | 5.85B | 5.09B | 3.84B | 3.12B | 2.54B |
| Gross Profit | 4.57B | 3.77B | 3.90B | 3.17B | 2.56B | 1.97B |
| EBITDA | 2.07B | 1.55B | 1.40B | 942.00M | 599.00M | 99.00M |
| Net Income | 1.56B | 1.14B | 1.01B | 663.00M | 801.00M | -117.00M |
Balance Sheet | ||||||
| Total Assets | 70.29B | 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 | 11.69B | 10.81B | 7.05B | 5.63B | 6.55B | 6.04B |
| Total Liabilities | 63.47B | 57.02B | 50.23B | 28.10B | 26.75B | 25.43B |
| Stockholders Equity | 6.81B | 6.20B | 6.71B | 5.92B | 5.74B | 4.94B |
Cash Flow | ||||||
| Free Cash Flow | -562.00M | 0.00 | 5.81B | 4.40B | 3.84B | 3.48B |
| Operating Cash Flow | -650.00M | 464.00M | 5.81B | 4.40B | 3.84B | 3.48B |
| Investing Cash Flow | -5.74B | 266.00M | -18.08B | -3.62B | -7.13B | -3.00B |
| Financing Cash Flow | 8.74B | 6.88B | 20.06B | 572.00M | 4.33B | -1.45B |
Hoist Finance AB Technical Analysis
Negative
219.20
Price Trends
203.62
Negative
195.86
Negative
169.82
Positive
Market Momentum
-4.48
Positive
37.64
Neutral
45.97
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SE:HOFI, the sentiment is Negative. The current price of 219.2 is above the 20-day moving average (MA) of 194.99, above the 50-day MA of 203.62, and above the 200-day MA of 169.82, indicating a neutral trend. The MACD of -4.48 indicates Positive momentum. The RSI at 37.64 is Neutral, neither overbought nor oversold. The STOCH value of 45.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SE:HOFI.
Hoist Finance AB Peers Comparison
UnderperformOutperform
Sector (55)
SE:HOFI
Hoist Finance AB
186.40
92.28
98.05%
SE:INTRUM
Intrum Justitia AB
1.68
-8.31
-83.21%
SE:NORION
Collector AB
64.60
1.70
2.70%
SE:LEA
Lea Bank AB
13.26
1.11
9.15%
SE:ARION
Arion Banki hf Shs Swedish DR
14.80
1.79
13.78%
Hoist Finance AB Corporate Events
Hoist Finance Sets 23 October Date for Q3 2026 Results Presentation
Oct 2, 2026
Hoist Finance will release its third-quarter 2026 report on 23 October, with the publication scheduled for around 07:00 CEST and a combined presentation and teleconference later that morning. Chief executive Harry Vranjes and chief financial offic...
Hoist Finance Lifts Profitability Targets and Portfolio Ambitions to 2030
Sep 8, 2026
Hoist Finance AB, a regulated credit market company listed on Nasdaq Stockholm, operates as a specialised asset manager in Europe’s non-performing loan segment. It acquires NPL portfolios from major banks and financial institutions, then res...
Hoist Finance boosts capital structure with SEK 300m Tier 2 issue
Sep 2, 2026
Hoist Finance AB, the Stockholm-listed asset manager focused on non-performing loans across 14 European markets, has built its franchise on acquiring distressed debt portfolios from banks and financial institutions and designing sustainable repaym...
Hoist Finance Expands Share Capital Through Directed Share Issue
Aug 31, 2026
Hoist Finance has increased its number of shares and votes following an August 2026 directed share issue tied to the company’s 2026 share investment program approved at the May annual general meeting. A total of 429,714 new shares were subsc...
Hoist Finance Launches Share Investment Program for Key Executives
Jul 28, 2026
Hoist Finance has launched a four-year share investment program for 14 key employees, including its CEO and CFO, following approval at the May 2026 Annual General Meeting. The initiative requires participants to make private investments and remain...
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.