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1. Company Snapshot

1.a. Company Description

Hoist Finance AB (publ), a credit market company, engages in the loan acquisition and management operations in Europe.It operates through three segments: Unsecured, Secured, and Performing.The company purchases performing and non-performing loans from its partners, international banks, and financial institutions.


It also provides current account and fixed-term deposits.The company was formerly known as Hoist International AB (publ) and changed its name to Hoist Finance AB (publ) in January 2015.Hoist Finance AB (publ) was founded in 1994 and is headquartered in Stockholm, Sweden.

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1.b. Last Insights on HOFI

Negative drivers behind Hoist Finance AB's recent performance include escalating regulatory uncertainties and restructuring costs, which have hindered the company's growth. The European market's mixed inflation data and economic contractions in major economies like Germany and France have also contributed to the challenging environment. Furthermore, trade tensions and market volatility have led to a decline in the pan-European STOXX Europe 600 Index, affecting investor sentiment. Additionally, the company's high insider ownership, while potentially indicative of confidence, may not be enough to offset the negative impact of these external factors.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Hoist Finance (OM:HOFI): Net Profit Margin Beats Expectations, Bolstering Value Narrative

Oct -24

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AUTO1 Group Appoints Christian Wallentin as Chief Financial Officer

Oct -01

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European Undervalued Small Caps With Insider Activity In September 2025

Sep -18

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European Undervalued Small Caps With Insider Action For September 2025

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Exploring 3 Undervalued European Small Caps With Insider Buying

Sep -11

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Spotlight On 3 Undervalued European Small Caps With Insider Buying

Sep -09

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European Small Caps With Insider Buying Undervalued And Ready For Attention

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European Insider Actions Highlight September 2025's Undervalued Small Caps

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (11.53%)

6. Segments

Unsecured

Expected Growth: 11.0%

Hoist Finance AB's 11.0% unsecured growth is driven by increasing demand for debt consolidation, strategic partnerships with banks, and expansion into new markets. Additionally, the company's digital platform and efficient credit assessment process enable it to offer competitive interest rates, attracting more customers. Furthermore, the rise of online lending and growing consumer debt in Europe also contribute to the segment's growth.

Secured

Expected Growth: 12.0%

The 12.0% growth secured from Hoist Finance AB (publ) is driven by increasing demand for debt purchasing and servicing, expansion into new markets, strategic acquisitions, and effective cost management. Additionally, Hoist Finance's diversified portfolio and strong relationships with clients have contributed to this growth.

Group Items

Expected Growth: 15.0%

Hoist Finance AB's 15.0% growth is driven by increasing demand for debt purchasing and servicing, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digitalization and process automation has improved operational efficiency, leading to higher margins and revenue growth.

7. Detailed Products

Invoice Financing

A financial solution that allows businesses to receive immediate payment for outstanding invoices, improving cash flow and reducing the risk of bad debt.

Debt Purchasing

A service that allows businesses to sell their non-performing loans to Hoist Finance, freeing up capital and reducing the administrative burden of debt collection.

Credit Management

A comprehensive credit management service that includes credit assessment, credit monitoring, and debt collection, helping businesses to minimize credit risk and optimize their cash flow.

Real Estate Financing

A financing solution that provides short-term loans to property developers and investors, enabling them to acquire and develop real estate projects.

Servicing and Portfolio Management

A comprehensive servicing and portfolio management solution that includes loan servicing, debt collection, and portfolio analytics, helping businesses to optimize their loan portfolios.

8. Hoist Finance AB (publ)'s Porter Forces

Forces Ranking

Threat Of Substitutes

Hoist Finance AB (publ) operates in a niche market, providing financial services to individuals and businesses. While there are some substitutes available, they are not as convenient or accessible as Hoist Finance's services, reducing the threat of substitutes.

Bargaining Power Of Customers

Hoist Finance AB (publ) has a diverse customer base, and no single customer has significant bargaining power. Additionally, the company's services are tailored to meet the specific needs of its customers, reducing their bargaining power.

Bargaining Power Of Suppliers

Hoist Finance AB (publ) has a diversified supplier base, and no single supplier has significant bargaining power. The company's suppliers are primarily financial institutions and technology providers, which are readily available and interchangeable.

Threat Of New Entrants

The financial services industry is heavily regulated, and new entrants would need to comply with stringent regulations and invest heavily in technology and infrastructure, making it difficult for new entrants to gain a foothold in the market.

Intensity Of Rivalry

The financial services industry is competitive, but Hoist Finance AB (publ) operates in a niche market, which reduces the intensity of rivalry. However, the company still faces competition from other financial institutions and fintech companies.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 57.15%
Debt Cost 10.42%
Equity Weight 42.85%
Equity Cost 10.42%
WACC 10.42%
Leverage 133.37%

11. Quality Control: Hoist Finance AB (publ) passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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SpareBank 1 Ringerike Hadeland

A-Score: 8.2/10

Value: 6.9

Growth: 8.4

Quality: 6.5

Yield: 9.4

Momentum: 9.0

Volatility: 9.0

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Paragon Banking

A-Score: 7.4/10

Value: 8.2

Growth: 8.7

Quality: 6.6

Yield: 8.1

Momentum: 6.0

Volatility: 7.0

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VP Bank

A-Score: 6.8/10

Value: 8.4

Growth: 1.4

Quality: 5.0

Yield: 8.1

Momentum: 7.5

Volatility: 10.0

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Hoist Finance

A-Score: 5.2/10

Value: 6.6

Growth: 8.2

Quality: 5.8

Yield: 1.9

Momentum: 6.5

Volatility: 2.0

1-Year Total Return ->

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Mortgage Advice Bureau

A-Score: 5.1/10

Value: 4.1

Growth: 5.9

Quality: 8.0

Yield: 5.6

Momentum: 5.0

Volatility: 2.0

1-Year Total Return ->

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pbb

A-Score: 5.0/10

Value: 8.0

Growth: 2.1

Quality: 4.0

Yield: 7.5

Momentum: 4.0

Volatility: 4.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

101.4$

Current Price

101.4$

Potential

-0.00%

Expected Cash-Flows