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Hoist Finance AB (publ)

Hoist Finance AB (publ)

HOFI.ST
Hoist Finance AB (publ)SE flagStockholm Stock Exchange
184.40
SEK
+5.40
- -
16.12BMarket Cap
Hoist Finance AB (publ)
HOFI.ST
(Stockholm Stock Exchange)

Recent

price

184.40

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.69
13.41
16.44
23.98
27.03
29.27
30.13
32.68
31.66
22.08
28.67
35.55
44.72
45.72
44.5
Revenue per Share
0.36
1.48
2.29
3.06
5.27
5.6
6.92
6.77
0.46
-1.31
8.97
7.42
11.6
13.03
11.3
Basic EPS, GAAP
5.64
15.1
-10.65
-9.79
36.9
29.78
33.16
34.9
54.39
38.98
43.04
49.29
66.53
67.73
63.86
Free Cash Flow per Basic Share
- -
0.18
- -
- -
0.74
1.3
- -
- -
- -
- -
- -
- -
- -
2
2.01
Dividend per Share
1.99
2.99
5.04
7.66
11.61
15.33
19.35
24.53
24.16
21.88
29.98
33.38
44.2
53.42
46.66
Book Value per Share
7.61
9.48
15.61
27.24
33.87
36.38
47.21
50.57
53.75
51.3
60.99
63.59
74.33
78.9
71
Tangible Book Value per Share
79
79
79
75
79
81
85
89
89
89
89
89
87
87
87
Basic Weighted Avg Shares
451
1,063
1,291
1,808
2,140
2,366
2,569
2,918
2,827
1,972
2,560
3,175
3,904
3,997
3,882
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
55
21
30
47
53
56
61
122
134
129
109
96
99
81
77
Depreciation Expense
29
117
180
231
417
453
590
605
41
-117
801
663
1,013
1,139
986
Net Income, GAAP
4.84
22.07
17.57
19.15
21.75
22.03
21.85
19.12
50
- -
15.92
21.63
22.08
23.25
23.33
Effective Tax Rate (%)
6.37
11
13.95
12.75
19.49
19.15
22.97
20.73
1.45
-5.93
31.29
20.88
25.95
28.5
25.4
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
995
1,826
1,575
3,468
5,158
6,789
6,964
7,380
6,040
6,553
5,626
7,046
10,002
8,968
LT Debt
639
815
1,397
2,289
2,925
3,228
4,413
4,898
5,158
4,941
5,744
5,921
6,705
7,088
6,397
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
59.21
56.86
47.37
55.76
41.98
40.84
31.5
1.89
-5.69
34.59
23.44
29.62
26.71
25.83
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
87
87
87
Market Capitalization
7,884
6,146
7,284

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.52%
6.81%
5.71%
Free Cash Flow
-39.95%
6.1%
1.95%
Net Income, GAAP
-109.29%
-224.4%
12.44%
Sales/Revenue/Turnover
9.69%
9.79%
2.38%
Total Cash Common Dividend
- -
- -
66.77%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
815
1,069
963
1,017
3,904
2025
961
941
1,031
- -
3,997
2026
1,033
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.99
2.96
2.82
2.84
11.6
2025
2.97
2.68
4.13
- -
13.03
2026
3.85
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
2
- -
- -
2
2026
- -
- -
- -
- -
- -
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Business
Hoist Finance AB (publ) (HOFI.ST) is a Sweden-based credit market company and asset manager specialized in acquiring, managing, and restructuring non-performing loans (NPLs) from international banks and financial institutions across Europe. Founded in 1915 and headquartered in Stockholm, the company operates in 13 European markets, including Sweden, Germany, Poland, Finland, and others, with approximately 1,100 employees; it offers core services encompassing the purchase of unsecured and secured NPL portfolios, in-house debt collection through collection centers, amicable debt restructuring with sustainable repayment plans for consumers and SMEs, third-party servicing, and retail deposit products via online savings services such as HoistSpar. As a regulated entity under the Swedish Financial Supervisory Authority, Hoist Finance focuses on ethical collections, regulatory compliance, and converting non-performing debt to performing debt to support financial inclusion and bank balance sheet optimization. In recent developments, the company invested SEK 2.4 billion in new NPL portfolios during Q3 2025 across eight markets, including its first portfolio in Finland via co-investment, advancing toward a SEK 36 billion total portfolio target by end-2026; it also completed SEK 2.6 billion in Q2 2025 investments with additional SEK 1.9 billion agreements post-quarter. Hoist Finance issued SEK 200 million in perpetual Additional Tier 1 (AT1) capital in August 2025 at STIBOR 3M + 500 bps to optimize its capital structure and sustain high investment pace, while preparing euro deposit platforms in select markets starting with Germany by year-end 2025 and pursuing Specialized Debt Restructuring (SDR) status notification in February 2026 to boost CET1 ratio by 2.5-3%. These initiatives reflect ongoing portfolio growth, market expansion, and funding enhancements amid stable cash flows and a 15% return on equity in Q2 2025.