Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Hoist Finance AB (publ) is a Swedish credit market company and asset manager specializing in non-performing loans (NPLs). For over 25 years, it has invested in and managed debt portfolios acquired from international banks and financial institutions across Europe, operating in 13 countries with approximately 1,100 employees. The company develops sustainable repayment plans for consumers and small to medium-sized enterprises (SMEs) in debt, transforming non-performing debt into performing assets through amicable arrangements. Regulated by the Swedish Financial Supervisory Authority, Hoist Finance benefits from a strong funding profile via retail deposits in multiple countries, sound capitalization, and high liquidity, as reflected in its Moody's Baa3 long-term rating. Headquartered in Stockholm, it plays a key role in the European debt purchasing niche by supporting banks in offloading NPLs, promoting financial stability, and aiding debt resolution while generating revenue from unsecured and secured loan collections in markets like Italy, Poland, Spain, and Germany.
kr 169.30
+kr 1.00 (+0.59%)
Live · 07:31 PM · Twelve Data
Revenue growth slowed to 2.4%, essentially flat. This is a business that needs a catalyst.
Even for strong businesses, today's 13x P/E means the stock needs to keep delivering. There's no margin of safety if growth disappoints.
13.2x earnings, 2.8x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
kr 4.07B
▲ +2.4% YoY
Net Income (TTM)
kr 1.22B
▲ +12.4% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
kr 5.25B
▲ +1.9% YoY
Op. Cash Flow (TTM)
kr 6.10B
▲ +9.3% YoY
Net Debt
kr 10.00B
Cash & Equiv.
kr 0.00
3Y CAGR: +16.0%
3Y CAGR: +15.5%
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At a P/E of 13.2 and a price-to-free-cash-flow of 2.8, Hoist Finance AB (publ) (HOFI.XSTO) trades below a two-stage DCF intrinsic value of about SEK 1,436.43 per share, so at SEK 169.30 the stock looks undervalued (748.5% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Hoist Finance AB (publ) scores 64/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.2%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about SEK 1,436.43 per share for HOFI.XSTO, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around SEK 1,077.33. At today's SEK 169.30, that puts the stock about 748.5% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Hoist Finance AB (publ) scores 64 out of 100 on Intrinsiqq's quality score, passing 4 of 6 checks, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full check-by-check breakdown is on the quality scorecard.
Yes, Hoist Finance AB (publ) pays a regular dividend of about SEK 2.00 per share per year (typically in quarterly installments), a yield of roughly 1.2% at the current price. That is a payout ratio of about 14.4% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For HOFI.XSTO's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. HOFI.XSTO currently trades below its estimated intrinsic value and scores 64/100 on quality (solid). It also yields about 1.2%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.