Hoist Finance (HOFI) Stock Overview
A credit market company, engages in the loan acquisition and management operations in Europe. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 4/6 |
| Past Performance | 3/6 |
| Financial Health | 3/6 |
| Dividends | 3/6 |
HOFI Community Fair Values
Create NarrativeSee what 12 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Hoist Finance AB (publ) Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | SEK 183.90 |
| 52 Week High | SEK 185.80 |
| 52 Week Low | SEK 85.35 |
| Beta | 1.11 |
| 1 Month Change | 14.65% |
| 3 Month Change | 10.65% |
| 1 Year Change | 109.45% |
| 3 Year Change | 521.28% |
| 5 Year Change | 402.46% |
| Change since IPO | 178.21% |
Recent News & Updates
Narrative Update • Jul 09
HOFI: Fair Value Reset Will Be Tested At Upcoming Investor Day
The analyst price target for Hoist Finance has been revised from SEK120 to SEK180, with analysts citing updated fair value assumptions, a slightly lower discount rate and a higher future P/E multiple as the key drivers of the change. What's in the News Hoist Finance has scheduled an Analyst and Investor Day on 24 May 2026 to provide a strategic and financial update to the market.
Narrative Update • Jun 25
HOFI: Future Upside Will Rely On Ratings Upgrade And Savings Franchise Potential
Analysts have kept their SEK price target for Hoist Finance broadly unchanged, with only marginal adjustments driven by slightly updated assumptions around the discount rate, profit margin, revenue growth, and forward P/E expectations. What’s in the News for Hoist Finance Moody’s upgraded Hoist Finance’s long term issuer and senior unsecured credit ratings to Baa1 from Baa2, with subordinate ratings raised to Ba1 from Ba2, according to Moody’s.Narrative Update • Jun 06
HOFI: Future Upside Will Rely On Expanded Savings Franchise Potential
Analysts have raised their price target on Hoist Finance from SEK 167 to SEK 186 as updated assumptions around revenue growth, profit margins, the discount rate and future P/E expectations have led to a higher assessed fair value for the stock. What's in the News Hoist Finance has expanded its savings offering with the launch of HoistSpar Spain, allowing savers in Spain to open fixed rate savings accounts online in euros.Recent updates
Narrative Update • Jul 09
HOFI: Fair Value Reset Will Be Tested At Upcoming Investor Day
The analyst price target for Hoist Finance has been revised from SEK120 to SEK180, with analysts citing updated fair value assumptions, a slightly lower discount rate and a higher future P/E multiple as the key drivers of the change. What's in the News Hoist Finance has scheduled an Analyst and Investor Day on 24 May 2026 to provide a strategic and financial update to the market.Narrative Update • Jun 25
HOFI: Future Upside Will Rely On Ratings Upgrade And Savings Franchise Potential
Analysts have kept their SEK price target for Hoist Finance broadly unchanged, with only marginal adjustments driven by slightly updated assumptions around the discount rate, profit margin, revenue growth, and forward P/E expectations. What’s in the News for Hoist Finance Moody’s upgraded Hoist Finance’s long term issuer and senior unsecured credit ratings to Baa1 from Baa2, with subordinate ratings raised to Ba1 from Ba2, according to Moody’s.Narrative Update • Jun 06
HOFI: Future Upside Will Rely On Expanded Savings Franchise Potential
Analysts have raised their price target on Hoist Finance from SEK 167 to SEK 186 as updated assumptions around revenue growth, profit margins, the discount rate and future P/E expectations have led to a higher assessed fair value for the stock. What's in the News Hoist Finance has expanded its savings offering with the launch of HoistSpar Spain, allowing savers in Spain to open fixed rate savings accounts online in euros.Analysis Article • May 08
Hoist Finance AB (publ) Just Recorded A 28% EPS Beat: Here's What Analysts Are Forecasting Next
A week ago, Hoist Finance AB (publ) ( STO:HOFI ) came out with a strong set of quarterly numbers that could potentially...Narrative Update • May 02
HOFI: Future Upside Will Rely On Regular And Special Dividends
Analysts have raised their fair value estimate for Hoist Finance from SEK 161.67 to SEK 167.00, citing updated assumptions on the discount rate, revenue growth, profit margin and future P/E that together support a slightly higher price target range. What's in the News Hoist Finance has launched HoistSpar Spain, allowing savers in Spain to open fixed-rate savings accounts in euros online via www.hoistspar.es, with terms from 3 to 24 months and coverage under the Swedish government deposit guarantee scheme (Key Developments).Narrative Update • Apr 16
HOFI: Fair Value Will Depend On Sustained Regular And Special Dividends
Analysts have kept their SEK price target for Hoist Finance unchanged, citing steady fair value assumptions along with small adjustments to the discount rate, revenue growth and future P/E inputs as the key reasons for maintaining their view. What's in the News HoistSpar Spain opened, offering fixed-rate euro savings accounts with terms from 3 to 24 months that can be opened and managed fully online via www.hoistspar.es, with deposits covered by the Swedish government deposit guarantee scheme (Key Developments).Narrative Update • Apr 01
HOFI: Stable Fair Value Will Rely On Regular And Special Dividends
Analysts have kept their SEK price target for Hoist Finance broadly unchanged, citing largely stable assumptions around fair value, discount rate, revenue growth, profit margin and future P/E as supporting factors. What's in the News Hoist Finance has launched HoistSpar Spain, allowing savers in Spain to open fixed rate euro savings accounts online with terms from 3 to 24 months, with deposits covered by the Swedish government deposit guarantee scheme (Key Developments).Narrative Update • Mar 18
HOFI: Stable Outlook Will Rely On Special And Regular Dividends
Analysts have adjusted their price target on Hoist Finance to SEK 162, a change they link to updated assumptions around the discount rate, long term revenue growth, profit margins and forward P/E multiples, while keeping fair value broadly aligned with prior estimates. What's in the News The board proposes a special dividend of SEK 2.74 per share for the year ended 31 December 2025, linked to the company’s SDR status (Key Developments).Narrative Update • Mar 04
HOFI: Steady Assumptions And Upcoming Dividend Will Support Bullish Outlook
Analysts have kept their SEK price target for Hoist Finance broadly unchanged, with only a minimal adjustment reflecting slightly lower discount rate and future P/E assumptions, while leaving the fair value estimate steady at about SEK162. What's in the News Hoist Finance AB (publ) announced an annual dividend of SEK 3.26 per share, with payment scheduled for May 15, 2026 (Key Developments).Narrative Update • Feb 18
HOFI: Higher Fair Value And Upcoming Dividend Will Support Bullish Outlook
Analysts have revised their price target for Hoist Finance to SEK161.67 from SEK131.67, citing updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E. What's in the News Hoist Finance AB announced an annual dividend of SEK 3.26 per share, with payment scheduled for May 15, 2026 (Key Developments).Analysis Article • Feb 12
Hoist Finance's (STO:HOFI) Dividend Will Be Increased To SEK6.00
Hoist Finance AB (publ)'s ( STO:HOFI ) dividend will be increasing from last year's payment of the same period to...New Narrative • Feb 08
Shifting Toward Secured Non Performing Loans Will Weaken Returns Over Time
Catalysts About Hoist Finance Hoist Finance acquires and manages non performing loan portfolios and related assets across several European markets. What are the underlying business or industry changes driving this perspective?Analysis Article • Feb 07
The Market Lifts Hoist Finance AB (publ) (STO:HOFI) Shares 27% But It Can Do More
Despite an already strong run, Hoist Finance AB (publ) ( STO:HOFI ) shares have been powering on, with a gain of 27% in...Narrative Update • Feb 04
HOFI: Lower Discount Rate And Stable Assumptions Will Support Balanced Outlook
Analysts have kept their fair value estimate for Hoist Finance unchanged at €131.67, with only small tweaks to inputs such as a slightly lower discount rate and a marginally adjusted future P/E assumption guiding the latest price target update. Valuation Changes Fair Value Estimate remained at €131.67 per share, indicating no change in the central valuation output.Narrative Update • Jan 20
HOFI: Lower Discount Rate Will Support Higher Fair Value Outlook
Analysts have raised their price target on Hoist Finance from SEK 118.50 to approximately SEK 131.67, citing updated assumptions for revenue growth, profit margins, the discount rate and future P/E as the main drivers of the change. Valuation Changes Fair value estimate was raised from SEK 118.50 to about SEK 131.67.Analysis Article • Dec 19
There Is A Reason Hoist Finance AB (publ)'s (STO:HOFI) Price Is Undemanding
When close to half the companies in Sweden have price-to-earnings ratios (or "P/E's") above 22x, you may consider Hoist...Analysis Article • Jul 26
Market Might Still Lack Some Conviction On Hoist Finance AB (publ) (STO:HOFI) Even After 25% Share Price Boost
Hoist Finance AB (publ) ( STO:HOFI ) shareholders have had their patience rewarded with a 25% share price jump in the...Analysis Article • Jun 26
Hoist Finance AB (publ) (STO:HOFI) Analysts Are Reducing Their Forecasts For This Year
Today is shaping up negative for Hoist Finance AB (publ) ( STO:HOFI ) shareholders, with the analysts delivering a...Analysis Article • May 10
Hoist Finance AB (publ) Just Missed EPS By 12%: Here's What Analysts Think Will Happen Next
The analysts might have been a bit too bullish on Hoist Finance AB (publ) ( STO:HOFI ), given that the company fell...Analysis Article • May 04
The Market Lifts Hoist Finance AB (publ) (STO:HOFI) Shares 32% But It Can Do More
Hoist Finance AB (publ) ( STO:HOFI ) shareholders are no doubt pleased to see that the share price has bounced 32% in...Analysis Article • Feb 10
Hoist Finance AB (publ)'s (STO:HOFI) Share Price Is Matching Sentiment Around Its Earnings
Hoist Finance AB (publ)'s ( STO:HOFI ) price-to-earnings (or "P/E") ratio of 8.1x might make it look like a strong buy...
New Narrative • Feb 09
Expansion Into Portugal With SEK 108 Billion Investment Will Strengthen Future Market Position
Hoist Finance's strategy focuses on cost reduction and operational efficiency, expected to improve profitability and net margins over time.Analysis Article • Oct 26
The Market Doesn't Like What It Sees From Hoist Finance AB (publ)'s (STO:HOFI) Earnings Yet
When close to half the companies in Sweden have price-to-earnings ratios (or "P/E's") above 24x, you may consider Hoist...Analysis Article • May 04
Here's Why We Think Hoist Finance (STO:HOFI) Might Deserve Your Attention Today
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • Feb 24
Hoist Finance AB (publ)'s (STO:HOFI) Shares Leap 26% Yet They're Still Not Telling The Full Story
Hoist Finance AB (publ) ( STO:HOFI ) shareholders have had their patience rewarded with a 26% share price jump in the...Shareholder Returns
| HOFI | SE Consumer Finance | SE Market | |
|---|---|---|---|
| 7D | 2.7% | -1.7% | -0.7% |
| 1Y | 109.5% | 8.0% | 8.7% |
Return vs Industry: HOFI exceeded the Swedish Consumer Finance industry which returned 8% over the past year.
Return vs Market: HOFI exceeded the Swedish Market which returned 8.7% over the past year.
Price Volatility
| HOFI volatility | |
|---|---|
| HOFI Average Weekly Movement | 7.0% |
| Consumer Finance Industry Average Movement | 5.5% |
| Market Average Movement | 6.0% |
| 10% most volatile stocks in SE Market | 12.8% |
| 10% least volatile stocks in SE Market | 3.5% |
Stable Share Price: HOFI has not had significant price volatility in the past 3 months compared to the Swedish market.
Volatility Over Time: HOFI's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1915 | 1,035 | Harry Vranjes | www.hoistfinance.com |
Hoist Finance AB (publ), a credit market company, engages in the loan acquisition and management operations in Europe. It operates through Unsecured and Secured segments. The company purchases performing and non-performing loans from its partners, international banks, and financial institutions; responsible for secured non-performing loans, including recovery activities, call centre and collateral management.
Hoist Finance AB (publ) Fundamentals Summary
| HOFI fundamental statistics | |
|---|---|
| Market cap | SEK 15.99b |
| Earnings (TTM) | SEK 1.12b |
| Revenue (TTM) | SEK 4.58b |
14.3x
P/E Ratio3.5x
P/S RatioIs HOFI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HOFI income statement (TTM) | |
|---|---|
| Revenue | SEK 4.58b |
| Cost of Revenue | SEK 1.35b |
| Gross Profit | SEK 3.24b |
| Other Expenses | SEK 2.12b |
| Earnings | SEK 1.12b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 24, 2026
| Earnings per share (EPS) | 12.85 |
| Gross Margin | 70.64% |
| Net Profit Margin | 24.50% |
| Debt/Equity Ratio | 133.3% |
How did HOFI perform over the long term?
See historical performance and comparisonDividends
1.8%
Current Dividend Yield25%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/10 18:06 |
| End of Day Share Price | 2026/07/10 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Hoist Finance AB (publ) is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ermin Keric | Carnegie Investment Bank AB |
| Borja Ramirez Segura | Citigroup Inc |
| Ermin Keric | DNB Carnegie |