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Hoist Finance AB (publ) (HOFI.ST)

SEK178.00 -2.20 (-1.22%)
SE STO Financial Services Financial - Mortgages
Address Bryggargatan 4 111 21
Stockholm, AB, SE
CEO Harry Vranjes
IPO 2015-03-25
ISIN SE0006887063

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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 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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
SEK178.00 -2.20 (-1.22%)
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Volume Profile
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Liquidity & share structure
Average Volume
134.3K
Beta
1.11
Float Shares
39.72M
Free Float %
45.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+3.03% -0.13% -5.39% +10.82% +62.48% +39.69% +80.26% +520.58% +342.90% +90.81% +141.75%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
178.00
DCF (Unlevered) 280.61 +57.6%
DCF (Levered) 694.96 +290.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 67% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 -1
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.41
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Mortgages: +18.2%
    +14.8% Q1'26: +8.5% (vs Q1'25)
  • EPS growth Financial - Mortgages: +18.3%
    +15.2% Q1'26: +53.2% (vs Q1'25)
  • FCF margin FCF growth · Financial - Mortgages: +84.8%
    -6.7% Q1'26: +14.6% (vs Q1'25)
  • EBIT margin Financial - Mortgages: +34.8%
    +25.3% Q1'26: +25.6% (vs Q1'25)
  • ROIC Financial - Mortgages: +4.9%
    +6.7% Q1'26: +7.8% (vs Q1'25)
  • Share dilution Financial - Mortgages: 0.0%
    +0.1% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    6.97× Q1'26: 6.55× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.04) × ERP
WACC = 57% × Ke + 43% × Kd (17.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 279.32 Current price: 178.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
2 Rev. Ana.
1 EPS Ana.
Dec 2027
3 Rev. Ana.
2 EPS Ana.
Dec 2028
2 Rev. Ana.
1 EPS Ana.
Revenue
2.17B
est: 2.22B (-2.4%)
2.45B
est: 2.60B (-5.7%)
2.68B
est: 2.80B (-4.5%)
2.94B
est: 2.94B (+0.1%)
3.42B
est: 3.00B (+13.9%)
3.41B
est: 2.68B (+27.1%)
2.55B
est: 2.44B (+4.4%)
3.12B
est: 2.76B (+13.1%)
3.84B
est: 3.83B (+0.2%)
5.09B
est: 4.31B (+18.0%)
5.85B
est: 4.19B (+39.4%)
4.86B
4.77B – 4.96B
+16.0% YoY
5.66B
5.58B – 5.72B
+16.5% YoY
6.21B
6.13B – 6.29B
+9.7% YoY
EBITDA
332.00M
est: 362.05M (-8.3%)
585.89M
est: 423.13M (+38.5%)
637.00M
est: 456.78M (+39.5%)
816.00M
est: 478.56M (+70.5%)
870.00M
est: 489.28M (+77.8%)
216.00M
est: 436.92M (-50.6%)
99.00M
est: 396.92M (-75.1%)
599.00M
est: 449.46M (+33.3%)
942.00M
est: 1.79B (-47.5%)
1.40B
est: 2.02B (-30.7%)
1.55B
est: 1.96B (-21.0%)
2.28B
2.23B – 2.32B
+16.0% YoY
2.65B
2.61B – 2.68B
+16.5% YoY
2.91B
2.87B – 2.95B
+9.7% YoY
EBIT
285.13M
est: 286.75M (-0.6%)
533.10M
est: 335.12M (+59.1%)
581.00M
est: 361.77M (+60.6%)
755.00M
est: 379.03M (+99.2%)
748.00M
est: 387.52M (+93.0%)
82.00M
est: 346.04M (-76.3%)
-30.00M
est: 314.36M (-109.5%)
490.00M
est: 355.98M (+37.6%)
846.00M
est: 1.85B (-54.2%)
1.30B
est: 2.08B (-37.4%)
1.48B
est: 2.02B (-26.8%)
2.34B
2.30B – 2.39B
+16.0% YoY
2.73B
2.69B – 2.76B
+16.5% YoY
2.99B
2.95B – 3.03B
+9.7% YoY
Net Income
230.52M
est: 327.22M (-29.6%)
417.15M
est: 466.24M (-10.5%)
453.00M
est: 562.58M (-19.5%)
590.00M
est: 544.36M (+8.4%)
605.00M
est: 553.64M (+9.3%)
41.00M
est: -33.27M (+223.2%)
-117.00M
est: -224.90M (+48.0%)
801.00M
est: 438.88M (+82.5%)
663.00M
est: 833.00M (-20.4%)
1.01B
est: 878.53M (+15.3%)
1.14B
est: 919.50M (+23.9%)
1.22B
1.19B – 1.32B
+32.5% YoY
1.42B
1.39B – 1.66B
+16.9% YoY
1.72B
1.69B – 1.76B
+21.1% YoY
SGA
186.91M
est: 137.39M (+36.0%)
146.31M
est: 160.56M (-8.9%)
170.00M
est: 173.33M (-1.9%)
213.00M
est: 181.60M (+17.3%)
241.00M
est: 185.67M (+29.8%)
186.00M
est: 165.79M (+12.2%)
175.00M
est: 150.62M (+16.2%)
200.00M
est: 170.56M (+17.3%)
218.00M
est: 195.04M (+11.8%)
330.00M
est: 219.53M (+50.3%)
est: 213.43M (-100.0%)
247.49M
242.79M – 252.20M
+16.0% YoY
288.23M
283.79M – 291.26M
+16.5% YoY
316.21M
312.14M – 320.28M
+9.7% YoY
EPS
2.90
est: 3.75 (-22.6%)
5.07
est: 5.34 (-5.0%)
5.10
est: 6.44 (-20.8%)
6.92
est: 6.23 (+11.0%)
6.07
est: 6.34 (-4.2%)
0.46
est: -0.38 (+220.8%)
-1.31
est: -2.58 (+49.1%)
7.91
est: 5.03 (+57.4%)
6.25
est: 9.48 (-34.0%)
10.07
est: 10.07 (+0.0%)
11.60
est: 10.54 (+10.1%)
14.40
13.64 – 15.15
+36.6% YoY
17.33
15.94 – 18.99
+20.4% YoY
19.76
19.32 – 20.13
+14.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-07 B 3/5 1/5 5/5 4/5 1/5 3/5 2/5
2026-05-06 B 3/5 1/5 5/5 4/5 1/5 3/5 2/5
2026-05-05 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-05-04 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-30 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-29 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-28 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-27 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-24 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-23 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-22 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-21 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-20 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-17 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5
2026-04-16 B 3/5 1/5 5/5 5/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
998.12M
OE per share TTM
11.42
Owner's Yield
6.97%
Maintenance CapEx ratio
1.51%
Maint CapEx / Avg PPE
4.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 38 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.43M
Shares Outstanding
87.42M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Harry Vranjes Chief Executive Officer 11M male
Karin Tyche Chief Investor Relations & Communications Officer
Katarina Meyer Chief People Officer
Lars Wollung Executive Chairman male
Magnus Söderlund Chief Financial Officer male
Malgorzata Wegier Acting Chief Risk Officer
Mihails Mihailovs Chief Operating Officer
Nathalie Svensk Chief Compliance Officer
Pontus Ericson Chief Legal Officer
Fabien Klecha Chief Investment Officer male
Simona Sankauskaite Chief Risk Officer
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits